excessive fees attorney in Orange County

Excessive Bank and Credit Card Fee Attorneys

For years, California consumers have been burdened by the unethical practices of banks and credit card issuers. The price that consumers have paid for the unfair practices of financial institutions include:

In many cases, the amount of money involved is too small to warrant a lawsuit by an individual consumer. By starting a class action lawsuit, however, consumers can vindicate their own rights while helping others whose rights have been violated by the unscrupulous practices of financial institutions.

The excessive fee lawyers at The Cooper Law Firm help consumers bring class action lawsuits for excessive bank and credit card fees. If you believe your financial institution has violated laws that protect consumers, contact The Cooper Law Firm for a free case evaluation. Our experienced lawyers have helped a number of victims with data breach lawsuits, financial institution violations, and fair credit reporting violations among others.

Overdraft Fees

Excessive Bank and Credit Card Fee Attorneys

A federal law that took effect in 2010 prohibits banks from enrolling a customer in an “overdraft protection” program unless the customer affirmatively opts to join the program. Unfortunately, banks continue to enroll customers in overdraft protection without asking their permission.

Overdraft protection sounds like a good idea, but for many customers, the costs outweigh the benefits. Without overdraft protection, if you use your debit card to make a $300 purchase and you only have a $290 balance in your checking account, the store will simply decline to process the transaction. With overdraft protection, your bank will approve the transaction and you will owe the bank $10. But the bank will charge you a fee for covering the overdraft. A typical overdraft fee is $35. Charging customers $35 for a short-term $10 loan is excessive by any reasonable standard.

Banks make it easy for customers who live paycheck-to-paycheck to incur unexpected overdrafts. It is often difficult to know your exact bank balance because funds on deposit and “available funds” are not always the same. A customer who deposits a paycheck in the morning may not have access to those funds that same day. Depending on the size of the deposit, some of all of the funds may be available the next day, although some funds in larger deposits may be unavailable for several days. Adding to the confusion, availability rules differ for new accounts and for accounts that have had several recent overdrafts.

The difficulty of predicting when your bank will make funds available contributes to overdrafts. A customer who makes five purchases on a debit card, assuming they are covered by a deposit made earlier that day, might be shocked to discover five $35 overdraft protection charges that exist simply because the bank delayed crediting a checking account with deposited funds.

Banks use a number of other tactics to maximize the overdraft fees they can charge. In addition to delaying the date on which they credit deposits, they change the order of your transactions. Assume, for example, you have a $200 balance in your checking account. On the same day, you make debit card purchases of $10, $25, $75, $50, $30 and $100 in that order. You had sufficient funds in your account to cover the first five purchases but not the last one, so you should owe an overdraft fee on the last purchase. Instead, the bank begins to deducts the purchases from your account beginning with the largest and ending with the smallest. You have sufficient funds to cover the $100 and $75 purchases, but the bank says you exceeded your balance with the $50 purchase and with each of the three smaller purchases. You end up paying four overdraft fees instead of one.

Another tactic involves the failure to give you credit for money that is actually in your account before it is transferred to a merchant to pay for a debit card purchase. Your bank might exclude those “authorization holds” from your checking balance when it decides that a new purchase puts you in overdraft status, even though the funds are still in your account and your bank has not lost any money and does not need to advance you any funds.

Excessive overdraft fees may violate California and federal laws that prohibit fraud, unfair trade practices, and false advertising. Class action lawsuits are usually the most productive way to obtain relief when banks charge excessive overdraft fees.

Credit Card Fees

credit card fees

Since 2010, a federal law known as the Credit CARD Act has limited the fees that a bank or other credit card issuer can charge for exceeding the card’s credit limit and for making late payments. Current rules provide:

Not call credit card issuers observe those rules. If you believe that your bank has charged you an illegal fee for a late payment or for exceeding your spending limit, contact The Cooper Law Firm to request a free review of your case.

Credit Card Interest Rates

The most common violation of the Credit CARD Act involves one of its most important protections. Banks are notorious for raising interest rates when a customer makes even a single late payment. The Credit CARD Act requires credit card issuers to review any increased interest rate every 6 months and to reduce the rate if appropriate. Credit card companies rarely consider it appropriate to reduce high interest rates, even if the customer has established a history of paying on time.

How Our Lawyers Can Help

Contact The Cooper Law Firm if you believe your credit card issuer has violated consumer protection laws by charging you an excessive interest rate. A class action lawsuit may be your best chance to obtain a meaningful remedy. Call (844) 724-9200 to speak with one of our excessive fee attorneys in California and get help today.

Recognized By

Need Help?


Our Attorneys' Expertise


False labeling

Companies use misleading and deceptive labels on products to boost sales.

Excessive fees

Banks have been known to charge excessive fees for no reason. Get compensated.

Unfair Business Practices

Defrauded by a business? You're not alone. Get help now.

Deceptive advertising

Deceptive advertising laws arm consumers with the ability to seek redress when victimized. Find out how.

Data Breach

A breach of data can put your personal information at risk. Evaluate the damage.

Defective products

Victim of a defective product? Find out what you can do to receive compensation.

Not Sure If You Have A Case?

Our Consumer Protection Lawyers Can Help

  • Former president of the Orange County Trial Lawyers Association
  • Has recovered hundreds of millions of dollars
  • Distinguished “Multimillion Dollar Advocate”
  • Distinguished “Super Lawyer”
  • 10 out of 10 attorney rating by AVVO


Ghazala D

From the very beginning, Scott was nothing but kind and courteous, and he explained each step of the legal process and answered all of my questions with patience. My case was handled with smooth precision, and I was very happy with the results. I definitely recommend The Cooper Law Firm!

Brittany K

The Cooper Law Firm was great! I had 2 experiences with them and it was easy and hassle free and also took up very little of my time. My outcomes were great with both cases. Everyone at the office was very nice and helpful as well.