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The problem with these charges is that you can rarely, if ever, get them resolved through the bank. This is a form of predatory lending (fraud) that has been going on for decades. Finally the government at both the State and Federal level has created consumer protection agencies that deal with the banks. lender and all forms of financial fraud. Give me a moment to put together all of the links you will file a complaint with online. They are required to investigate your complaint and rectify the situation. If you can tell me where in SC you are located I can also provide a link for local Attorneys that provide FREE consultations?
Yes can absolutely file a lawsuit against them as well as file consumer protection complaints. This is a little more a little more serious as this appears to be fraud.
You will file a consumer protection complaint with the State at http://www.consumer.sc.gov/Pages/default.aspx
The South Carolina Commission of Banking will investigate a complaint at http://www.banking.sc.gov/Pages/complaint.aspx
The Consumer Financial Protection Bureau will investigate a complaint at http://www.consumerfinance.gov/complaint/
The United States Treasury/Office of the Comptroller of the Currency at https://www.helpwithmybank.gov/index.html
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