Us Bank US bank has been ripping me off for 3 years now without my knowledge.Slapping me with hidden overdraft fees.They are very deceitful.I had a change of address 7 months ago.us bank has not yet gotten my Us bank has been hitting me with overdraft fees that I do NOT owe. They have screwed my address so that my private information goes all over the us.They even at one time sent my underaged daughter a d po box 790288 st.louis mo, Missouri

You never applied for the credit line, right? Sounds like you used it, though.

Hmm.... how does one use a credit line they never knew they had?

All I can say is that you are not a good liar.

If the bank enrolled you in anything you are unaware of and will not provide documentation, how can anyone conclude who did wrong? Now Robert is correct that the fees may have been higher per overdraft had you been in standard OD protection...but perhaps you would have been notified. I know banks always send a note if they covered an overdraft, and also it will post on your statement.  On a side note..you should not have been enrolled in ANY protection or coverage regarding a debit card unless you signed up. The laws are changing soon to prevent this but had it been the case, there would have been no overdraft charges if a debit card was used at a point of sale or ATM if it would overdraft the account. The transaction would be declined, hence no fee.

If the fees were NSF (insufficient funds) due to electronic bill pays and checks, then if the charges are legitimate, there is no way around it. ACH transactions are different then a debit card purchase. Whether the bank covers it or not you get a fee. So in that case, OD protection linked to a savings/credit or other account is an actual form of protection. Provided you signed up for it and all the terms were fully and comprehensibly disclosed.

Robert makes a point that you might have been negligent managing your account as this should have been nipped in the bud as soon as the first charge was noted. How did the bank charge these fees without your knowledge? It is hard to defend you in this case because when push comes to shove, the customer is responsible to know what is supposed to be in the account and when funds are missing, and why/when any fees are being charged.

Now where there is grounds for complaint..is here and I quote..."They claim they can not find any information or send me any statements about this line of credit"

If they can not find any information, how can they verify what you signed up for or what you owe..and why?. Something does not smell right.

I also do not know how or why they sent your daughter a debit card if she is under aged. But assuming this is true, the bank has some "splainin" to do. We all have heard stories of peoples pets receiving cards in the mail so it is not beyond  reason to believe they did this with your daughter.

As far as rude and unprofessional...well to the banks defense many times customers are just upset at the person telling them the bad news, or further frustrated because the CSR can't figure out what went wrong either.

That aside, I can state first hand, that I have been treated rudely by bank CSR's and officers, and even accused of theft when it was the banks ATM that stole money from me, and was resolved in my favor after 30 days. Many CSR's really need training on how deal with angry customers, it is an art. Very few are born with the skills to deal with customer issues, yet somehow can keep a job doing it.

I have to admit, this report is a bit scribble-scrabbled, but from what I gather, apparently this person opened a checking account and there was a reserve line attached to it, but they claim they never signed up for it.

Ok, credit products, by law, can't be opened up without a signature from the applicant. My advice is to have the bank manager or whoever go through the paperwork and prove that you actually put your John Hancock on the application.

Going backwards.  A bank is not going to just send your minor daughter a Debit Card out of the blue.  So the question is how did they get your daughters name on YOUR account?

As for the Overdrafts, is there any way that your daughters use(if any) is the cause of the overdrafts.  Now, if you had a credit line attached to your account to cover the Credit.  Unlike the standard OD protection this is something you would have had to sign up for.  Whether or not you signed up and didn't know what it was is hard to say, so you may want to request the original paperwork to show what you did sign up for.

On the plus side, if you had an account linked to it you were probably charged only a single lower fee for the transfer along with the amount OD fee.  Where if you had nothing linked each OD would have cost you around $37.50.

So the key always comes down to this.  This is YOUR money and YOUR responsibility to manage your account.  This means keeping a register and reviewing your statements.  Because in this case any Overdraft transfer would have shown up as a deposit on your checking account, and should have thrown up a "red flag" as to why money is going into your account when you don't remember putting it there.