Bank of America: fee reversal

Collect

• statement showing the fee
• account history

Steps

1. Call and ask for a courtesy reversal of the fee.

   PhoneChecking and savings, general account information, lost or stolen ATM or debit card +1-800-432-1000 Account holder only

2. If refused, write to the checking and savings address.

   MailWrite to us (checking and savings) Bank of America, PO Box 25118, Tampa, FL 33622-5118

3. Complain to the CFPB if the fee breaks the account terms.

   RegulatorConsumer Financial Protection Bureau +1-855-411-2372

More contacts for this issue

Facts you can cite

• Policy

  Bank of America says it won't charge a fee when it declines or returns an item unpaid due to insufficient funds.

  Source: bankofamerica.com, verified 2026-10-12

• Fee

  There is no cost to set up Balance Connect for overdraft protection and no transfer fees when you use it.

  Source: bankofamerica.com, verified 2026-10-12

• Policy

  Bank of America credit card agreements require binding arbitration administered by the American Arbitration Association whenever either party chooses it; the only exception is an individual claim in small claims court.

  Source: files.consumerfinance.gov, verified 2026-10-12

Rules not in force (do not cite)

• CFPB Credit Card Penalty Fees Rule ($8 late fee safe harbor, 2024) Vacated
  89 FR 19128 (March 15, 2024) (Regulation Z, 12 CFR 1026.52(b))

  Stayed by the N.D. Texas court in May 2024 (Chamber of Commerce v. CFPB, No. 4:24-cv-00213) and vacated by that court on April 15, 2025 at the CFPB's request after a settlement. The CFPB rule page (last modified June 3, 2024) still says only "stayed"; the vacatur date comes from an April 15, 2025 American Bankers Association report, a plaintiff in the case. The current Regulation Z text has no $8 safe harbor.

  Not in force. Do not cite it as current law.

• CFPB Overdraft Lending Rule for Very Large Financial Institutions (2024) Repealed
  89 FR 106768 (December 30, 2024); disapproved by Pub. L. 119-10 (S.J. Res. 18)

  Not a court vacatur: Congress disapproved the rule under the Congressional Review Act (Pub. L. 119-10, May 9, 2025), so it never took effect and "shall have no force or effect". The CFPB rule page (last modified July 2, 2025) still lists it as a final rule with no status note. What remains in force: the Regulation E overdraft opt-in rule (12 CFR 1005.17) and the account agreement.

  Not in force. Do not cite it as current law.

If that fails, escalate

Go up one step at a time. Keep the reference numbers and dates from each contact.

1. Customer service

   PhoneCredit card customer service (including lost or stolen card) +1-800-732-9194 Account holder only

2. Written complaint

   MailCredit card billing inquiries (written billing disputes) Bank of America, PO Box 672050, Dallas, TX 75267-2050

   Card billing errors in writing within 60 days of the statement. For deposit accounts, write to the checking and savings address.

3. Federal regulator

   RegulatorConsumer Financial Protection Bureau +1-855-411-2372

4. State agency

   Your state’s financial regulator. Find it in the list of state agencies (also as JSON: states/<code>.json, for example states/ny.json).

5. Arbitration

   Bank of America credit card agreements require AAA arbitration if either party chooses it; either side may use small claims court instead.

Watch out

Related

• Fee reversal at other companies
• How Bank of America complaints actually go (dossier, checked 2026-10-12)
• Banks and card issuers — how complaints work
• Bank of America: dispute with a merchant through the bank
• Bank of America: unauthorized charge
• Bank of America: fraud or scam
• Bank of America: account frozen or closed
• Bank of America: billing error