Consumer complaint received 2016-07-07
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
ADDITIONAL INFORMATION RE : CFPB COMPLAINT # XXXX Dear Consumer Financial Protection Bureau, Yesterday, XXXX/XXXX/XXXX, I submitted a complaint regarding Union Bank. I wanted to add for your records that I have had XXXX major problems with this bank : 1 ) XXXX XXXX -- an unscrupulous debt collector, XXXX XXXX, an attorney in XXXX, XXXX, called me repeatedly at work over a very old credit card debt. In order to stop this harassment at my workplace, I very unwisely agreed to have $ XXXX/month payments taken out of my checking account. The original credit card debt was about {$500.00}. 
Sure enough, XXXX office took withdrawals of {$500.00} here, {$300.00} there, another {$500.00} there, etc. My bank account, much to my dismay, was completely cleaned out by XX/XX/XXXX. At least XXXX or XXXX checks bounced. My brother-in-law and I then met with a Union Bank officer, XXXX XXXX, in the XXXX, XXXX office in XXXX XXXX. I filed a claim with the bank, and said I had only agreed to {$100.00} per month deductions to XXXX. The Risk Management/Loss Prevention department at Union Bank headquarters in XXXX, XXXX denied my claim, however, as they said I had an oral agreement with XXXX. I expressed much concern over all of the unsigned, electronic drafts that were made to XXXX, even though I had never approved of any of those amounts. My protests were to no avail. I should have hired an attorney at the time, but I could not afford one. It was an extremely painful lesson. I did file an online complaint with the Attorney General of the State of XXXX, but I never heard anything back. 
2 ) XXXX XXXX - XXXX XXXX -- I received a new chip and pin debit card from Union Bank XX/XX/XXXX. The card did not work, however. My purchases were denied, and my automatic payments to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX were also denied, which caused my auto insurance to be canceled twice. ( I pay the insurance on my car, and also on my mom 's car. ) I was then sent a second chip and pin card ... that card did not work either. I actually went five weeks without any kind of a working bank debit card. Finally, the president of Union Bank, in the XXXX, XXXX office, helped me resolve the problem. He had heard about my continued bank card problems through the Union Bank customer service center and/or the Consumer Financial Protection Bureau ; the bank president then had a new chip and pin card sent to me via overnight mail in XXXX XXXX. I did appreciate his assistance, as well as the CFPB 's assistance, with the matter, and decided not to change banks. 
XXXX ) XXXX XXXX -- I discovered that excessive checking account fees had been charged. I was never notified in advance of a {$30.00} per month bank charge for " having a low checking account balance. '' Please see CFPB complaint # XXXX. 
The third time is not really the charm with Union Bank ; however, before I switch banks, I would like to hear Union Bank 's response.

Company response to consumer: Closed with explanation