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.
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
- Call your bank and request fee reversal — this often works for first-time disputes
- Send a formal written dispute letter
- File a complaint with the CFPB at consumerfinance.gov/complaint
- Contact your state banking regulator
- Consider the OCC (for national banks) or Federal Reserve (for state member banks)
Create your bank fees & charges dispute letter
Fill in your details and download a ready-to-send petition for .