Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing a formal complaint against US Bank regarding unauthorized maintenance fees that have been charged to my checking account. I opened this account in midXXXX ( XXXX or XX/XX/XXXX ) with the understanding that I could avoid maintenance fees by either maintaining a minimum balance of {$1500.00} or by holding a US Bank credit card. I have consistently met these requirements for the past four years, ensuring I was in full compliance and never subjected to fees. 

However, as of XX/XX/XXXX, US Bank increased the maintenance fee from {$6.00} to {$12.00}, without providing adequate or timely notice of this change. I was charged the increased fee twiceon XX/XX/XXXX and XX/XX/XXXX, totaling {$24.00} in fees. I was never notified of these changes in a manner consistent with fair banking practices or regulatory requirements. Had I received proper notice, I would have taken steps to adjust my account as needed to avoid these charges. Instead, US Bank failed to notify me, and I was blindsided by these fees, despite being a loyal customer with multiple banking products and a solid record of compliance. 

As of the date I am filing this complaint, I have four different banking products with US Bank. Over the course of my relationship with the bank, I have always been diligent in meeting the stated requirements for each product. However, this sudden change in terms and fees, combined with US Banks failure to notify me, constitutes a breach of trust and fairness. 

On XX/XX/XXXX, I called US Bank customer service to inquire about these fees. I was informed that I was not meeting the new checking account requirements. When I asked why I wasnt notified of these changes, I received no clear explanation. Instead, I was told I would receive a call back from a supervisor. When a supervisor reached out, they failed to address my concern adequately and simply reiterated that I wasnt meeting the requirements. This lack of transparency and proper communication is unacceptable, especially given my long-standing relationship with the bank. 

The lack of proper notification regarding the increase in fees and the failure to resolve the issue during multiple customer service calls have caused me significant frustration. I am not just a customer, but a loyal consumer who has used multiple US Bank products for over four years. I trusted US Bank to provide clear communication and uphold fair practices, but this situation has made me feel taken advantage of.

I request a refund of the {$24.00} in maintenance fees that were charged to my account as a result of US Banks failure to notify me of the change in terms and conditions. I am also requesting that US Bank review their internal processes to ensure that future changes in account terms are communicated promptly and clearly to all affected customers. 

Please take this complaint seriously, as I believe it reflects a broader issue with customer communication and transparency. I expect a prompt resolution and a thorough review of XXXX Banks practices.

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