NEW YORK—The consumer watchdog on Wednesday ramped up scrutiny of bank and credit card charges, seeking public comments about various “junk fees” consumers are charged by banks, from overdrafts to late fees. The Consumer Finance Protection Bureau (CFPB) says banks have grown reliant on overdraft fees, which contributed $15 billion of revenue in 2019, and is considering “regulatory interventions” to increase transparency and competition. Under its new director, Rohit Chopra, who took up his position last October, the CFPB is targeting bank fees that are particularly unpopular with consumers, such as overdraft charges and non-sufficient funds fees, signaling an intent to whittle away at the fees it says harm consumers and pad banks’ profits. “In many cases, junk fees act like penalties, like with non-sufficient funds and credit card late fees, rather than compensation for a legitimate service,” Chopra said. Banks may charge customers for services that require the bank …