How do I file a Bank Fees & Charges dispute in ?

Use eObjection.com's petition builder to create a professional dispute letter for . Select your category, fill in your details, and download or email the ready-to-send PDF.

What is the deadline to appeal a Bank Fees & Charges in ?

Deadlines vary by agency and violation type in . Check the agency-specific deadlines listed on this page and act as quickly as possible.

Bank Fees & Charges

Dispute unauthorized bank fees, overdraft charges, credit card fees, and unfair banking practices. File CFPB complaints and get free dispute letter templates.

Create your bank fees & charges dispute letter

Fill in your details and download a ready-to-send petition for .

First name *

Last name *

Street address *

City, State, ZIP *

Email address *

Phone number

Reference / ticket number *

Date of incident *

State *

Agency / institution

Reason for appeal *

Additional description

What is a bank fee dispute?

A bank fee dispute is a formal challenge to charges applied to your bank or credit card account that you believe are unauthorized, excessive, or applied in error. The Consumer Financial Protection Bureau (CFPB) and federal banking regulators provide oversight and complaint resolution.

Common bank fee disputes

Overdraft fees

excessive or improperly applied overdraft charges

Monthly maintenance fees

fees charged despite meeting waiver requirements

ATM fees

unauthorized or double-charged ATM fees

Credit card annual fees

fees charged after cancellation

Late payment fees

fees applied when payment was on time

Unauthorized transactions

charges you did not authorize

Your legal rights

Under the Electronic Fund Transfer Act, you have the right to dispute unauthorized electronic transactions within 60 days. The Fair Credit Billing Act protects credit card users. Federal law limits your liability for unauthorized debit card transactions if reported promptly.

Steps to dispute bank fees

1

Call your bank and request fee reversal

this often works for first-time disputes
2

Send a formal written dispute letter
3

File a complaint with the CFPB at consumerfinance.gov/complaint
4

Contact your state banking regulator
5

Consider the OCC (for national banks) or Federal Reserve (for state member banks)