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.
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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
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
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1
Call your bank and request fee reversalthis often works for first-time disputes
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Send a formal written dispute letter
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File a complaint with the CFPB at consumerfinance.gov/complaint
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Contact your state banking regulator
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Consider the OCC (for national banks) or Federal Reserve (for state member banks)
Bank Fees & Charges in New Hampshire
Unexpected bank fees and charges can quickly erode your savings in New Hampshire. Whether you are dealing with excessive overdraft fees, undisclosed ATM charges, recurring maintenance fees, or other hidden service charges, understanding your rights is paramount. New Hampshire law provides consumers with protections against unfair banking practices, offering clear avenues for disputing these charges and seeking resolution. Don't let your financial institution take advantage; learn how to effectively challenge these fees.
New Hampshire's banking sector is primarily regulated under the New Hampshire Revised Statutes Annotated (RSA) Title XXXV, which covers Banks and Banking, and more specifically, Title XXXVI, Chapter 399-A, which details the Regulation of Banking. The New Hampshire Banking Department (NHBD) enforces these statutes. Recent legislative discussions, such as HB1207 (2026 legislative session), aim to eliminate examination fees for state-chartered credit unions, while HB1502 (2026 legislative session) seeks to regulate specific purpose deposits. While these bills are still under review, they highlight ongoing efforts to refine banking oversight. The broader New Hampshire Consumer Protection Act (RSA 358-A) also offers general safeguards against deceptive business practices, including those by financial institutions.
The primary state agency for addressing bank fee disputes in New Hampshire is the New Hampshire Banking Department (NHBD). You can reach their main office at (603) 271-3561 or their Consumer Credit Licensing division at (603) 271-8675. The NHBD also provides an online forms system at https://onlineforms.nh.gov/nform/home/b2317ec8-80ac-4ed8-a0bd-8c1cc8ae0600 for filing complaints, or you can email them at nhbd@banking.nh.gov. For broader consumer protection issues, the New Hampshire Attorney General's Consumer Protection and Antitrust Bureau is another valuable resource, reachable at (603) 271-3641. Federally, the Consumer Financial Protection Bureau (CFPB) also handles complaints against financial institutions.
To dispute a bank fee in New Hampshire, start by contacting your bank directly and clearly stating your issue, keeping detailed records of all communications. If the bank does not resolve the issue to your satisfaction, gather all relevant documentation, such as account statements and correspondence, and file a formal complaint with the New Hampshire Banking Department or the Attorney General's office. Most disputes are typically resolved within 30 to 60 days, depending on the complexity and the responsiveness of the parties involved. Use the petition generator above to create a formal complaint letter in under two minutes.