Consumer complaint received 2015-10-30
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (CA)

Complaint Re : Unfair, Deceptive and Abusive Acts & Practices ( US Bank and XXXX XXXX XXXX ) Key Complaint : US BANK via XXXX XXXX XXXX ( payment collection Company ). charged me a 2,250 % undisclosed Processing charge, has provided deceptive billing and engaged in unfair practices to increase charges. 
On XXXX/XXXX/15 we rented a car from XXXX XXXX. Upon leaving the store we found ourselves driving on a toll road. We contacted XXXX XXXX and was told that " you should of purchased a " plate pass '' and that we would be charged an " undisclosed administrative fee and additional fees at XXXX XXXX " discretion ''. We were NEVER offered a Plate Pass, Never heard of it, and Never Accepted the terms of being charged " undisclosed fees '' at " XXXX discretion ''. The next day I contacted the North Carolina Turnpike Authority to pay the toll directly. I was told by an agent that there was no bill pending and that I would need to wait until a bill is generated. I called the Turnpike authority on back on XXXX/XXXX/15 and again no invoice was found. On XXXX/XXXX/15 I received a bill in the mail from XXXX XXXX Services stating that on XXXX/XXXX/15 my credit card would be charged {$47.00} For : Toll Charges : $ XXXXAdministrative Fees : XXXXTotal XXXX! 
The XXXX stated that I XXXX provide proof of payment to the toll issuer to clear the matter. However, on XXXX/XXXX/15 when I contacted the North Carolina XXXX XXXX and requested to pay the {$2.00} outstanding toll charge, I was told they have no record of the toll and that I should contact Dollar rental to get an Invoice #. Per their suggestion, I called the Dollar Processing Services and was directed, According to their automated system, to US BANK processing services. I spoke to a representative who stated that they do not provide invoice numbers for toll transactions. I asked if we could contact the Turnpike Authority together via conference call, she stated she can not call outside companies. I said I would initiate the call, she refused. She gave no option to dispute the charges stating that XXXX has " probably already paid the charge and therefore the Administrative fee is accurate ''. I then contacted the State Turnpike authority and asked again if their is any way to pay and was told that there is NO RECORD of a toll and that without an invoice # there is NO way to determine if their ever was a toll. I asked if I could mail the {$2.00} anyway to show proof that payment was made. I was told the funds would not be accepted since there is no bill. 
This is clearly a scam. As a consumer, I am being billed for a service I did not authorize., I have received no evidence a service was ever used, and though the bill states that I have a remediation alternative of paying the bill directly and avoiding the administration charge, the Processing Company refused to provided the key information to allow me to do just that. 
The billing process from the bank is unfair and deceptive since they actively withhold key information to allow me, the consumer, to pay the bill directly ( to the toll issuer ) to avoid the administrative fee, and Abusive considering that they have charged a {$45.00} undisclosed admin fee for a {$2.00} bill. That is a 2,250 % processing charge! 
Also, to note, The State Turnpike Authority stated they have had several calls recently from other consumers with the same complaint. Since the state has no way of verifying these invoices, XXXX has the ability to falsify these bills and collect additional fees. 
Given XXXX has my credit card on hold, I have been in contact with my respective bank since XXXX/XXXX/15 documenting all these issues. I have also written a letter to the Department of Consumer Affairs and I intend to dispute this charge with my bank. However, I fear that failure to pay may result in a collection that could later damage my credit