STOP Paying These 7 Fees After 65 — They're Illegal to Charge You (Most Don't Know)

Illegal fees, unfair charges, hidden fees, junk fees — these are 7 fees seniors over 65 don't have to pay, and most never know it. Federal law bans, caps, or lets you refuse every one: surprise medical bills, bank overdraft fees, credit card late fees, funeral home fees, phone bill charges, pharmacy overcharges, and cable equipment fees. Here's exactly what to say to stop paying each one and keep thousands of dollars a year. Chapters: 0:00 The fee that's already illegal to charge you 3:50 Fee 1: Surprise medical & ER bills (No Surprises Act) 5:03 Fee 2: Bank overdraft fees 6:08 Fee 3: Credit card late fees 7:14 Fee 4: Funeral home fees 9:14 Fee 5: Phone bill cramming 10:11 Fee 6: The pharmacy gag-clause overcharge 11:18 Fee 7: Cable & internet equipment rental 12:59 Bonus fees seniors miss 15:44 The mistake that hands the money back 16:45 What to do this week SOURCES: Surprise medical and ER balance billing ban: No Surprises Act, CMS.gov (federal No Surprises Help Desk 1-800-985-3059). Overdraft and NSF fees: Consumer Financial Protection Bureau (consumerfinance.gov). Credit card late fee cap: CFPB credit card penalty fee rule. Funeral home pricing and casket handling fee ban: FTC Funeral Rule, 16 CFR Part 453 (ftc.gov). Phone bill cramming: FCC and FTC enforcement (fcc.gov). Pharmacy gag clause ban: Patient Right to Know Drug Prices Act and Know the Lowest Price Act (2018). Cable and internet all-in pricing: FCC all-in pricing and broadband label rules. DISCLAIMER: This video is for general educational and informational purposes only and is not legal, tax, or financial advice. Consumer protection laws, fee caps, eligibility, and procedures vary by state and provider and change over time. Confirm your rights with the named federal agency or a qualified professional before acting. #SeniorFees #StopPayingFees #ConsumerRights