For the big four banks the jabs just keep coming -- and not always from the most expected sources.

ANZ Bank is now facing a civil suit in Guam over lending standards at its American Samoa offshoot.

Two retired US military veterans claim the bank is liable for "systematic violations of the Truth in Lending Act," according to documents filed in the Guam district court on Wednesday. They claim the bank breached mortgage contracts in charging excessive late fees, didn't provide adequate notice of changes in interest rates and didn't provide adequate bank statements.

Ironically for the bank, a trigger for the lawsuit was a letter it sent to one of the plaintiffs in 2015 acknowledging it had overcharged $US6,375.18 ($8,011) in interest. After resolving to monitor their balance more closely, the plaintiffs say they became "frustrated by the lack of clear and conspicuous information" - citing one letter they received that gave a projected balance of $US51,952.55 on one page -- and $US41,564.40 on another.

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