Santander Bank: fee reversal

Collect

• statement showing the fee
• end-of-day balances
• deposit times

Steps

1. Check whether the account was overdrawn by more than $100 when the item was paid, and how many fees were charged that business day.

2. Call customer service and ask for the fee to be reversed.

   PhoneCustomer Service Center Advisor (unauthorized debit card or ATM transactions) +1-877-768-2265 Account holder only

3. If the fee breaks the stated rules and Santander refuses, complain to the CFPB.

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

Facts you can cite

• Fee

  The Item Paid overdraft fee is $15, charged when a paid item overdraws the account by more than $100. A maximum of three Item Paid fees may be charged per business day.

  Source: santanderbank.com, verified 2026-10-13

• Fee

  There is no fee when an item is returned unpaid, and any Item Paid fee already charged for that item is refunded. A $15 sustained overdraft fee applies on the sixth business day if the account stays overdrawn for five consecutive business days and the first day's overdrawn balance was more than $100.

  Source: santanderbank.com, verified 2026-10-13

Rules not in force (do not cite)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 Do not cite it as current law.

• CFPB Overdraft Lending Rule for Very Large Financial Institutions (2024) Repealed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 Do not cite it as current law.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

   PhoneCustomer Service Center Advisor (unauthorized debit card or ATM transactions) +1-877-768-2265 Account holder only

2. Written complaint

   EmailForward suspicious emails that appear to be from Santander reportabuse@santander.us

   For a credit card billing error, send a written notice within 60 days of the statement date. Santander publishes no general complaint address on the pages checked.

3. Federal regulator

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

4. Federal regulator

   RegulatorOffice of the Comptroller of the Currency, Customer Assistance Group (HelpWithMyBank) +1-800-613-6743

5. 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).

Watch out

Related

• Fee reversal at other companies
• Banks and card issuers — how complaints work
• Santander Bank: dispute with a merchant through the bank
• Santander Bank: unauthorized charge
• Santander Bank: fraud or scam