What is this workflow?

This workflow guides you through the process of disputing unauthorized bank fees such as overdraft, maintenance, or ATM charges. It provides a structured approach to filing disputes with your bank and escalating to the CFPB if necessary.

Who should use this workflow?

This workflow is ideal for consumers who have experienced unauthorized bank fees and wish to challenge these charges to get their money back.

What you'll need

• Bank statements showing the disputed fees.
• Contact information for your bank's customer service.
• Proof of dispute submission (emails, screenshots, etc.).

Step-by-step process

1. Identify the details of the fee you are disputing.
2. Upload your bank statement with the disputed fees highlighted.
3. Check if your fee qualifies for a waiver or refund.
4. Choose your preferred dispute method (call or online).
5. Contact bank customer service to request a fee reversal.
6. Submit the dispute via your bank's online platform or app.
7. Generate a formal dispute letter to send to your bank.
8. Mail the dispute letter and keep a copy for your records.
9. Upload proof of your dispute submission.
10. Monitor your account for a response from the bank.
11. Check if the bank has reversed the fee.
12. If not resolved, file a complaint with the CFPB.
13. Upload your CFPB complaint ID for tracking.
14. Wait for the bank's response to the CFPB complaint.
15. Assess the outcome of your CFPB complaint.
16. Consider next steps if the issue remains unresolved.

Expected timeline and outcomes

The entire process may take 2-3 hours, and you should expect a response from your bank within a few days. If the issue escalates to the CFPB, banks typically respond within 15 days.

Tips for success

• Keep all communications with your bank documented.
• Be persistent and follow up if you do not receive timely responses.
• Understand your rights as a consumer regarding bank fees.