Consumer complaint received 2015-06-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (OH)

As stated previously on the last complaint filed on XXXX I agreed to a make monthly payments on the XXXX of each month for {$1200.00} in overdrafts fees accumulated on my XXXX different US BANK Checking Accounts ending XXXX and XXXX. Instead of US BANK allowing me to make the monthly payments, US BANK began debiting each checking account for {$100.00} without my permission. When the agreement was set up over the phone I was told to make the monthly payment so I had no knowledge that payments would be debited from my account. On XXXX I transferred {$220.00} from saving account to checking account ending in XXXX. My checking account balance was approximately about {$220.00} There were no pending debits or outstanding balances from US BANK or anyone. So I went on line to pay my past due electric bill {$94.00}. of course I need lights on. so after I paid my electric bill online using my US debit card so payment can be immediately taken out, US BANK did a miscellaneous debit for XXXX to my checking account ending in XXXX which overdrew my account then charged me an another overdraft fee for my electric bill payment for XXXX? So in the last 24 - 48 hrs my checking accounts have been debited for XXXX in new overdraft fees. These overdraft fees do not include the monthly payments of XXXX US BANK is debiting out of both of my accounts monthly without my permission. I feel like I 'm being robbed. As of XXXX I have XXXX overdrawn checking accounts because of US BANK. On XXXX I transferred from checking account ending in XXXX, XXXX and XXXX to check account ending in XXXX I paid XXXX for my phone bill and {$30.00} for my trash collection from account ending in XXXX. There was nothing pending and no outstanding balances. My balances were positive. On XXXX, US BANK not only debited XXXX from each checking account ending in XXXX and XXXX, on top of that I was charged a new XXXX overdraft fee and both payments for {$17.00} and {$30.00} were returned. I made these payments prior to US BANK miscellaneous debits to my checking accounts. Really I had already paid these bills before US BANK did both miscellaneous debits for XXXX to each checking account. US BANK returned my bill payments back unpaid and US BANK pay themselves and charged me more overdraft fees. So now both companies are going to charge me overdraft fees because US BANK returned payments although they were already paid in full. I already paid those XXXX bills with a debit card and the money was there and I had no outstanding balances. This is so unfair to me and this has to STOP TODAY. I have never filed a complaint against any company because I try to give them an opportunity to redeem themselves and make things right. I first called and tried to talk to managers at the XXXX XXXX Ohio branch. Also I called the department I set up the payments with and XXXX kept sending back to the other XXXX between the branch and that department. On XXXX the XXXX XXXX manager refused to refund overdraft fees even though US BANK cause checking accounts to be overdrawn. This is not the first time it was done in the past not that long ago. Now it is time to put a stop to this behavior because seems like things are out of control now.