The US Bank certainly is a fee based business. Any way to disadvantage the customer is their unwritten motto. I have before me some 25 recorded continuous overdraft and 1 force-closed fees which all accumulated from just one source, an unauthorized internet charge. I had reported the unauthorized internet charge to the banks fraud dept. Prior to the web transactions submital and was assured there would be no problems, but that just to be on the safe side I should probably not have enough in my account to cover the amount, advice from the fraud dept. The transaction came through on May 10 and was paid by the bank causing an overdraft situation on my account of $15.52. From that point the bank proceeded to add charges for returned check, unidentified on statement, 9 continuous overdraft charges, another returned check charge, also unidentified, followed by 13 more continuous overdraft fees, culminating in a force-closed account fee. Grand total of $388.52. This account was not accessed or used in any way by myself from the may 10th date nor did I have any outstanding checks floating about anywhere. The only activity on this account was initiated by and to the advantage of the US Bank. I tried to close this account at and around the time they reported charges of 60 some dollars and was told I could not close it unless I paid them this amount plus a closing fee. I refused to pay then and I refuse to pay now. If it means litigation to resolve this so be it. These type of banking practices need to be brought to a halt, they are unjust and certainly not customer service oriented, which is what I presumed banks basically were. There will follow behind this report letters to the state attorney generals office, the BBC, the FTC, and any banking ethics orginizations and consumer reporting agencies I can find. I'm more than a little mad about this.
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