I already complained to the bank — what now?

Bank's internal review is round one. Round two is the CFPB complaint, which forces the bank to file a substantive 60-day response under federal supervisory authority. Round three is the OCC for national banks, the state DFI for state-chartered.

Will the bank close my account if I escalate?

Federal law (Reg E §1005.11(f)) prohibits adverse action for filing an error notice in good faith. We document everything so any retaliation triggers its own claim.

Bank fees · Overdraft · Reg E

Surprise overdraft or NSF fees? CFPB calls many of them illegal.

Authorize-positive-settle-negative overdrafts, surprise NSF fees, double-dipped representments — CFPB Circular 2022-06 made them UDAAP violations. Reg E gives you a 60-day window to demand error resolution.

$35 – $400 per fee · 5–10 fees per affected account in a typical year

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If any of this is happening to you

We have the playbook for your exact situation.

Charged overdraft on a transaction that was authorized when your balance was positive

Multiple NSF fees on the same returned item (representment fees)

Surprise fee you can't tie to any specific transaction

Hidden 'extended overdraft' or 'sustained overdraft' fees

Bank refused to reverse a fee they admit was a mistake

The law on your side

Regulation E (EFTA)

Authority

12 CFR §1005.11 · CFPB Circular 2022-06

Reg E gives you 60 days from the statement date to file an error notice. Bank must investigate in 10 business days (45 with provisional credit). CFPB Circular 2022-06 explicitly flagged authorize-positive-settle-negative overdrafts as potential UDAAP violations.

The process

Three steps. The agent does the rest.

Send us the bill.

Upload the document — bill, denial letter, deposit itemization, collection notice. We read it, identify which protections in Regulation apply to your specific facts, and tell you what we’d recover. Free triage.

Approve the plan.

We show you the theory of the case — which laws apply, which letters we’d send, what the recovery range looks like. Nothing goes out until you say go.

We do the rest.

Certified mail, deadline tracking, response parsing, escalation when ignored. You only hear from us when there’s a decision to make. Most cases resolve in under 30 days.

Questions, answered

Common questions.

Bank's internal review is round one. Round two is the CFPB complaint, which forces the bank to file a substantive 60-day response under federal supervisory authority. Round three is the OCC for national banks, the state DFI for state-chartered.

Still wondering? Email hello@dotandcross.io — we read every message.

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