We invoke Reg E
Reg E gives consumers a 60-day window to dispute electronic fund transfer errors. Banks must investigate within 10 business days. We file the dispute with proper citation.
Surprise overdraft fees
Surprise overdraft fees? Reg E forces a refund.
Federal Regulation E gives you the right to dispute unauthorized or incorrectly assessed bank fees. Many overdraft programs have been ruled illegal. We file the dispute and demand refund within the statutory window.
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Sound familiar?
If any of this is happening to you, we can help.
Surprise overdraft fee on a transaction you didn't authorize
Multiple overdraft fees stacked from a single deposit timing
Fee for a transaction the bank told you was approved
Daily 'continuous overdraft' fees adding up
ATM fee or maintenance fee you weren't informed of
How we handle it
The procedural side, on autopilot.
We dispute the fee tactics
Many overdraft programs have been ruled abusive (sustained overdraft, transaction reordering). We identify the specific tactic and reference the relevant CFPB enforcement action.
We escalate to the CFPB
When the bank refuses to refund, the CFPB complaint forces a 15-day response. Banks settle these consistently to avoid CFPB scrutiny.
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$19 subscription waived for the first month.
Subscription
$19
$9.50/mo
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1 month free — for you and your friend.
Forward your share link to anyone who’s gotten screwed by a bill, a denial, or a landlord. When they sign up and make their first transaction, you both unlock a free month.
Common questions
Answered.
- Most consumer disputes don't need a lawyer when the procedure is followed correctly. Dot & Cross handles the procedural side end-to-end and refers to an attorney only when one is genuinely required.
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