Us Bank overdraft caused by fees from returned statement Hood River Oregon

This fee is in your Deposit Agreement which you signed when you opened the account...
Pay the fees and get over yourself!!

There is this nifty new thing called bank by phone; why don't you use it at least once a week
to keep tabs on your account?

NO RIPOFF HERE!!!
US BANK WINS AGAIN!!

Have a nice day!!

That's very clever by the way (obvious sarcasm). The bank caused the overdraft. I'm not sure what kind of charge this user is referring to, but no one but the customer can legally cause an overdraft. The bank broke the law here. Unless I'm missing something the bank could be in serious trouble.

Ok, your statement was returned to USB which means one of two things.

1. You never changed your address with the bank (or at least made sure it was right)

or

2. It's a problem with the post office

Either way, this doesn't strike me as bank error. Besides, how could they mail you an overdraft notice if your statement is being returned? And please don't give me that "well, they need to call me on the phone" crap. If USB tried to call every overdrafter every day, they'd never get anything else done. Also, it sounds like you didn't check your balance for, by my calculations, roughly fifty days. ($8 daily negative balance fee times fifty days equals $400.) That tells me you're not exactly vigilant with your finances anyway.

And by the way, the fee was disclosed to you when you opened the account. You actually signed a document stating that you have read, understand, and agree to all terms of the account, including the returned statement fee.

Greetings, agents of US Bank that posted responses. 

I just wanted to clarify that, as my original post stated, I went over the signed agreement with the branch manager, and she agreed with me that it did not mention anything about a $7 fee for a returned statement.  So, no, it was not a fee that was disclosed, and no, it was not a fee that I agreed to. 

Also, all mail from US bank to me before, and after the allegedly returned statement made it through.  No address change occurred, no mail routes changed, no renumbering of houses on my street occurred--to be clear: absolutely nothing changed. 

I agree that it can be a hassle for a bank to contact someone by phone, but perhaps if the tellers had advised me of the flagged status on my account each of the 5 times I came in to cash a check, before the fees had compounded to over $400, this whole problem might have been averted.  Poor customer service at the very least.

None of the problems outlined in my post have existed at my credit union.  I do keep track of my purchases regularly, and I am always aware of justified fees.  The assertion that I just haphazardly wandered through this, provoking US bank to overdraft my account for ludicrous reason, is as far from accurate as you can get.

So, no, US bank does not win again.  I hope they do not dock your pay for having your puffery rebutted.

Let's assume, Sharkbomb, for just a moment that you're not completely full of it.  Even if the returned statement fee started AFTER you opened your account. That document you signed way back when stated that you will accept changes to the account in the future and USB has to a reasonable attempt notify you in writing.

Ok, so let's say that the change notice got lost in the mail. That policy is still written in black and white on their website and on bank documentation in ANY branch. So your argument still won't work. You lost. Move on.