Consumer complaint received 2016-12-02
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In XXXX I opened a business and, at the suggestion of a U.S. Bank agent, applied to U.S. Bancorp for a XXXX sales system that would be administered through XXXX XXXX/Elevon, both divisions of U.S. Bancorp. This was under a four year lease and the fees as established come out to {$52.00} a month along with a $ 25 yearly admin fee for XXXX. I ended up not needing or using the system and have never done a sales through it in the three years that I have owned it. Instead I use a competitor system which was more comparable to my use. For three years I have paid on the lease without complaint as I did sign the lease and it is a legal agreement between two parties. In XXXX of this year, XXXX I began to see an additional {$30.00} a month being deducted and approached the U.S. Bank sales department, whom I had signed through, for information as to why it was being deducted. Elevon agents initially would not return my calls. When I was referred to an agent who was willing to work the case she did not know what the charges were for, but believed they were for XXXX non-compliance, which in my original contract provision that compliance testing was assumed by U.S. Bancorp/Elevon as an incentive to get me to purchase the lease. In my behalf, the agent contacted XXXX XXXX, XXXX. Regional Director of U.S. Bank payment XXXX/Elevon and in a return call relayed to me that she thought XXXX was going to end the lease since it had never been used, but she did not think that the incorrectly removed funds were earmarked for return. This was in XXXX, XXXX. The next monthly billing I noticed that the fees accumulated. I sent an email to XXXX indicating that the funds should be returned to my account. In XXXX, XXXX sent a return email claiming that it was a XXXX and not an Elevon issue. XXXX is a division of Elevon. 
On XXXX XXXX, XXXX I contacted XXXX who told me that the lease for my business was current and that excessive fees were from Elevon and not XXXX. Both are divisions of U.S. Bancorp. I was connected to Elevon through the XXXX switchboard so that I would not be put on hold. The Elevon agent said the increased fees were indeed for XXXX non-compliance and whereas the first three years the compliance was through XXXX, now it was through XXXX. I contacted XXXX who told me that they did manage my account, but that it had been closed in XXXX ( about the time that U.S. Bank rep told me it had ). I could not access the site or update compliance even if I wanted to. The XXXX agent referred me back to Elevon who sent me an email indicating I would continue to be charged ( even though the account was closed months ago ). The Elevon agent then referred me to XXXX who I was told by an earlier agent no longer handled the account. It appears that this is U.S. Bancorp 's version of " XXXX XXXX XXXX ''. Although an attempt by all divisions is being made to waive jurisdiction, U.S. Bancorp would be " estopped '' in a court venue from doing so under the doctrine of Reliance-based estoppels. 
Rather than proceeding in another direction at this time I asking for your assistance in this issue. 
[ Note : my current bank statement shows that Elevon credited back {$150.00} to my account with no explanation or itemization as to what it was for while at the same time they charged me {$47.00} in new fees. I am at a total loss for an explanation.

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 non-monetary relief