Consumer complaint received 2016-08-06
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
ATTN : CFPB TECHNICAL SUPPORT -- THE " SUBMIT '' BUTTON ON YOUR " DISPUTE '' PAGE IS STILL NOT WORKING. 
RE : CFPB # XXXX UNION BANK CASE # XXXX THIS CONSUMER FINANCIAL PROTECTION BUREAU DISPUTE IS IN RESPONSE TO XXXX XXXX XXXX ' LETTER OF XX/XX/XXXX. I AM DISPUTING UNION BANK 'S RESPONSE, AS IT ONLY PARTIALLY ADDRESSED MY ISSUE OF EXCESSIVE FEES CHARGED TO MY ACCOUNT. 
1 ) I was NEVER " notified on multiple occasions '' by Union Bank that monthly fees would be charged to my account. Nor, was I ever notified that I would no longer be eligible for a " XXXX Banking '' account. 
2 ) I NEVER received a " Union Bank notification letter '' in " XXXX XXXX '' at my XXXX XXXX, Calif. address, stating the new qualifications for " Signature Banking '' accounts, " beginning XX/XX/XXXX. '' I save all of my bank correspondence and bank statements ( much to my sister 's chagrin ). The only bank correspondence I have received was in XXXX XXXX ( from the Loss Prevention Dept. in XXXX, Calif. ) and in XXXX XXXX ( regarding the new chip and pin cards ). 
3 ) When I first asked a XXXX XXXX, Calif. Union Bank teller about the {$18.00} monthly fee being charged to my account, she said it was because I " did not have online banking, and that there is an {$18.00} fee for paper statements. '' I was reluctant to sign up for online banking at that time, as I have a 10-year-old computer and am on WiFi. I explained to the teller that when I got a new computer, I would sign up for online banking. When I continued to see {$18.00}, and then {$20.00}, monthly charges to my account, I thought that was due to the paper bank statements, as that is what I had been told by XXXX XXXX. 
4 ) My bank account was NOT " converted several times, '' nor was I ever notified by Union Bank, at any time, of any pending " conversions '' to a different type of account. The " Banking by Design '' account was only started because I had complained to Union Bank about the {$20.00} monthly fees. 
5 ) I have had direct deposit with Union Bank for nearly 16 years. When I first opened up my account in XX/XX/XXXX, a Union Bank officer, " XXXX, '' at the XXXX, Calif. branch on XXXX XXXX, told me that as long as I had direct deposit over a certain amount, that my bank account would remain free. 
6 ) I was referred by XXXX XXXX in her response to " page XXXX '' of a Union Bank document that I never received, entitled " All About Personal Accounts and Services Disclosure and Agreement. '' Once again, the only bank correspondence I have received was from the Loss Prevention Dept. ( XXXX XXXX ), and information on the new chip and pin cards ( XXXX XXXX ). 
7 ) I NEVER asked the XXXX XXXX Customer Service Center agent, at any time, to review 7 years of bank statements! I help to take care of my XXXX-year-old mom, and because of that, I am not always able to hold on the phone for very long. 
8 ) I still feel Union Bank discriminates against lower-income customers. We are the ones who can least afford your excessive fees.

Company response to consumer: Closed with explanation