Overdraft Fee Resolution Steps

Summary

If youre dealing with overdraft fees from a phishing scam, report the scam to your bank and dispute the charges. If unresolved, file a complaint with the Consumer Financial Protection Bureau. For legal assistance, consider contacting Legal Services NYC, New York Legal Assistance Group, or explore pro bono services and online directories like Avvo or LegalZoom for affordable legal help.

Full Conversation

Yes. Financial charges.
Got it. Are you currently being charged for overdraft fees, or are you facing any other specific financial penalties that you believe are unjust?
Yes.
It sounds like you're dealing with unfair overdraft fees from your bank. Here are some general guidelines on what you can do:
- Review your bank's overdraft policy: Understand the terms and conditions related to overdraft fees.
- Contact your bank: Explain your situation and request a waiver of the fees.
- File a complaint: If the issue isn't resolved, you can file a complaint with the Consumer Financial Protection Bureau (CFPB).
Would you like more specific information or assistance with filing a complaint?
Phishing scam left $*,* in my account with an overdraft fee of $*,*. How can I get rid of the overdraft fee and keep the $*,* as salvage?
Case Rating: *
I'm really sorry to hear about your situation. Here are some steps you can take:
- Report the Phishing Scam: Contact your bank immediately and report the phishing scam.
- Dispute the Charges: Request your bank to investigate the unauthorized transactions and reverse the overdraft fees.
- File a Complaint: If the bank doesn't resolve the issue, file a complaint with the CFPB.
Would you like more detailed guidance on any of these steps?
Yes.
Case Rating: *
It appears you may have a strong case regarding the phishing scam and the resulting overdraft fees. Here are some detailed steps you can take:
- Report the Phishing Scam: Contact your bank immediately to report the unauthorized transaction and provide them with all relevant details.
- Dispute the Charges: Request your bank to investigate the fraud and reverse the overdraft fees. Make sure to follow up regularly.
- File a Complaint: If the bank doesn't resolve the issue, file a complaint with the Consumer Financial Protection Bureau (CFPB) at www.consumerfinance.gov/complaint/.
Would you like more specific information or assistance with any of these steps?
Find a low cost lawyer who handles unauthorized bank transactions in NYC, preferably online.
Case Rating: *
It sounds like you have a significant concern. Here are some steps to find a low-cost lawyer:
- Legal Aid Societies: Check organizations like Legal Services NYC or New York Legal Assistance Group.
- Pro Bono Services: Look for pro bono programs at local law schools or bar associations.
- Online Directories: Websites like Avvo or LegalZoom offer listings of lawyers who may work at lower costs.
If you need further assistance, feel free to ask!