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Deceptive or Illegal Fees and Billing

Unauthorized and Illegal Bank Fees and Charges

When reviewing your bank or other financial statement you may see fees and charges that sound legitimate but you don’t fully understand why they are being charged. If these fees or charges are new or refer to services that you never signed up for, they may be unauthorized and illegal.

Our consumer protection attorneys can help you investigate such fees and charges and determine whether they are lawful under state and federal law. These charges are likely small, but add up to significant profit for the bank when spread over thousands of customers for a long period of time. A couple dollars for you can translate to hundreds of thousands, if not millions of dollars for the banks. Class actions -- where consumers team up to sue corporations -- can be a powerful tool to tell banks to stop engaging in these illegal practices.

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Illegal Bank Fees and Unauthorized Charges Details

Customers cannot generally be charged for services they are not receiving or to which they did not agree. Despite this, many banks generate substantial profits by charging customers add-on fees. Often, these are undisclosed fees that were never agreed to by the consumer, are for services that were never performed, or may even include illegal kickbacks to the bank. If you are in default on your mortgage, you may be particularly vulnerable to illegal or unauthorized fees.

Examples of Illegal Bank Fees and Unauthorized Charges

  • Overdraft Fees. The Overdraft Protection Law protects customers from overdraft fees when they have not agreed to overdraft coverage or an overdraft protection plan.
  • Credit Card Protection Fees. Charging a customer a fee for an unwanted credit card protection service on a bank or credit card.
  • Undisclosed Fees. Charging a customer a fee that was not disclosed in advance.
  • Research Service Fees. Charging the customer when the bank provides the customer with an answer to a question about the customer’s account.

If you believe you have been charged an illegal or unauthorized fee, please contact our consumer protection attorneys for a free and confidential consultation.

The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established. Read full Disclaimer.

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