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    States/Pennsylvania/Bank of America
    PA + Banking
    Cancellation: medium

    How to Dispute Bank of America Charges in Pennsylvania

    Pennsylvania residents can cite the Unfair Trade Practices and Consumer Protection Law (73 Pa. Stat. § 201-1) alongside federal EFTA when disputing Bank of America. Average dispute: $35-300.

    Private Right of Action

    Yes in Pennsylvania

    Treble Damages

    Yes in Pennsylvania

    Auto-Renewal Law

    Not enacted

    Medical Billing Protection

    Yes in Pennsylvania

    Common Bank of America Billing Issues

    Overdraft fees stacked in one day
    Monthly maintenance fee
    Paper statement fee
    Wire charges
    Returned item fees

    Pennsylvania Legal Strategy vs. Bank of America

    State Law: Unfair Trade Practices and Consumer Protection Law

    73 Pa. Stat. § 201-1 prohibits unfair and deceptive practices in Pennsylvania. Allows up to 3x damages. You can sue directly.DisputeAI cites this statute automatically in your demand letter.

    Federal Laws for Bank of America

    • - EFTA
    • - CFPB junk fee enforcement
    • - Reg E

    Tips for Pennsylvania Residents

    • BofA settled $225M CFPB case over junk fees
    • Reference this settlement in your letter
    • Opt out of overdraft protection
    • File CFPB complaint
    • File a complaint with the Pennsylvania Office of the Attorney General if Bank of America doesn't respond
    All Pennsylvania dispute lawsAll Bank of America disputes
    Dispute Bank of America in Pennsylvania Now

    AI demand letter citing 73 Pa. Stat. § 201-1 + EFTA from $4.99