Consumer complaint received 2017-05-18
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Twice I have filed this complaint and received a letter fro m US Ba nk in response. I appreciate that my issue was actually reviewed by a person, but the invitation to contact them if I have any additional questions rings hollow for twice they 've extended this offer without including an email address or mailing address. I would love to take them up on their invitation, but the matter is well beyond anything that can be addressed over the phone.     I thin k I may have  attempted to address too many issues at once in my initial complaint because some of them were n't ever addressed. It seems they 're unaware of the fact that I was forced to close my account on  XXXX   XXXX ,  XXXX  because they would n't stop giving my money away. In the initial response to my complaint filed through your office they suggested that it 's up to me to deal with any company directly to resolve automatic payment problems. That is outrageous to suggest that my financial institution is not responsible for governing who my money is distributed to according to my wishes. I was stunned that she suggested this.       In my particular case I changed debit cards. Every company with whom I had an automatic payment established immediately notified me by email or the next time I attempted to login that they required new payment information as the card on file was no longer authorizing payments.  XXXX   XXXX  continued to receive payment every month. I did not setup any payment directly from my checking account and they should not have been paid once the debit card stopped being valid. I tried again and again to resolve this, eventually I closed the account and reopened another account the same day which I was assured would resolve the matter ( At this point in time the charge was from another merchant & was n't causing overdrafts ), and they still paid the money out of my account. At  one point they r efunded me 3 months worth of charges and paid out an additional month in the same statement. They charged me a {$20.00} fee for changing accounts. That is outrageous and unprofessional given the circumstances and I want it refunded.     The overdraft charges that were the result of paying unauthorized charges to  XXXX   XXXX  I want refunded! I have taken out most of my money, but left the account open to avoid them using that as an excuse not to refund those fees. They paid unauthorized payments to  XXXX   XXXX  which caused me to become overdrawn and they charged me {$36.00} a pop for them. If  XXXX   XXXX  or  XXXX   XXXX  is seriously speaking on behalf o f US Ba nk that my only course of action is to seek out whichever company is currently sucking funds out of my account each month without my authorization and beg them to stop I would be surprised. If my bank refuses to stop giving a company my money when I wish why should the company comply? It would seem to be in the best financial interest of any company not to comply so long as the customer 's bank is going to keep paying them every month.       S o US Bank  has no control over their computers nor the ability to stop automatic payments from being made once they 're established? Did they opt out of that portion of software? I find it far more likely that they liked the {$36.00} every month they extorted / stole from me by refusing to cancel those payments when I changed debit cards, repeatedly, or requested, repeatedly. Those fees are into the hundreds of dollars and any bank who takes the time to write me a letter informing me that they have no control over who gets my money once it 's in the computer and my only option is to try to convince the company receiving funds is headed for a lawsuit.     I want the {$20.00} fee for opening a new account.     I want a mailing address and / or email address from  XXXX   XXXX   XXXX  at which I can correspond further.     Sincerely,  XXXX   XXXX   XXXX   XXXX  I 've got statements dating back to  XXXX  )

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