Consumer complaint received 2017-11-28
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I opened up a checking account with US Bank back in early XX/XX/XXXX/XX/XX/XXXX of this year via the web. When opening the account, I recalled opting out of the overdraft feature ( therefore, if I do n't have sufficient funds in my checking account then the charge wo n't go through at all ). I also recall inputting my cell phone number for US bank as it required me to open the account online. 

I XXXX out the account in XX/XX/XXXX and decided to no longer use the account for now. The account had a XXXX  balance and I planned to keep it that way for a while. Before I XXXX out the balance and while I was using the account, I did connect either my US Bank ATM card or my US Bank account to XXXX, which I used to transfer my money to friends and family. When the account had a XXXX  balance, I accidentally transferred money through the XXXX account for {$8.00}. The charge went through and at the time I thought that the XXXX account is linked to my other bank account ( through XXXX XXXX ) because the charge went through. However, it was still linked to my US Bank account. Because I had the overdraft feature turned off, the charge should n't have went through but it did anyways. 

So I was charged an overdraft fee, and every 7 days I was charged an extended overdraft fee and also an overdraft returned fee for an account I thought had a XXXX balance and for an account I thought overdraft was not possible, because I opted out of the feature when opening the account. 

Not one rep from US bank contacted me via phone or letter in XX/XX/XXXX and early to mid XX/XX/XXXX. I saw that they did contacted me through e-mail, however I admit that I do n't really check my e-mail much and would rather be contacted via phone, which is why I had my phone number listed in my account. 

After XX/XX/XXXX, I saw two letters from US Bank. One showing that my account was closed and another from their collection department. I tried logging in online to view what happened and was unable to access my account and my statements. I then checked my e-mails and found an email from US Bank and gave them a phone call today, on XX/XX/XXXX to sort out the problem. I want to pay them back for the XXXX charges that went through ( even though it should n't as I opted out of the overdraft feature ), however I told them that I would like for them to waive the overdraft & multiple extended overdraft & returned fees that have piled over my account ( over {$300.00} worth on a {$8.00} XXXX payment that should have been denied in the first place ). 

The reps I spoke to was not being very helpful at all and actually criticized me for not paying attention to my account and for not respond to my e-mail. The rep told me that it was not their job to send me letters and remind you of payments. I agree with that statement, however it is their job to make sure that if I opted out of the overdraft feature, that it actually works and my account wo n't be overdrafted when it had a XXXX balance. There was also conflicting information as they said we actually gave you a call, however I did not received a call, and the manager said that we actually do n't have a number in file. 
I told the rep that I had my phone number listed as a reason. All I want to do is pay the actual amount that went through XXXX ( even though the charge should n't have went through ) and request to have them waive their unfair overdraft and continuous extended & returned overdraft fees that they have been charging to my account. 

However, they wo n't budge at all. I believe this is unfair business practice as I opted out of being overdrafted and they still overdrafted me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation