Sample Complaint Letter / Message (for CFPB, bank portal, or state consumer agency)

Category: Overdraft fee refund request not resolved by bank

I am writing to file a complaint about an overdraft fee charged to my account that I asked the bank to reverse but was denied.

Summary:
- Bank name: [Bank Name]
- Account holder: [Your Full Name]
- Account ending: XXXX
- Date fee charged: [Date]
- Fee amount: $[Amount]
- Short timeline:
  * [Date] – Transaction posted: [Description]
  * [Date] – Fee posted: $[Amount]
  * [Date] – I contacted customer service (agent: [Name]) and requested a refund; request was denied.
  * [Date] – I followed up by [phone/email/chat] and received [response].

What I want:
- A refund of the overdraft fee(s) totaling $[Amount].
- A written confirmation of the refund and adjustment to my account history.
- If refund is denied, an explanation of the bank’s reason with policy citation.

Attachments:
- Account statements showing transactions and fee
- Screenshots of chats or emails
- Notes with agent names, dates, and reference numbers

Please investigate and help resolve this matter. I appreciate your assistance.

Sincerely,
[Your Full Name]
[Contact details]