US Bank ripoff this is flat out wrong and this is stealing Shelbina Missouri

On June 16, 2003 I went to my checking account via internet and noticed I was 500 overdrawn for a misc. debit. I immediatley called the bank and emailed them through customer service online to find out what the heck the 500 dollar debt was for because I did not make it. The man that I spoke with on the telephone stated it was done by the bank but didn't know what it was but that someone would contact me back that day. They didn't call back.

As I wait to find out what is going on I recieve my monthly checking statement on the 20th of June and it is showing a 500 dollar withdrawal from my account for misc debit.

I called again, No results, I am told this is internal within the bank. I now recieve a phone call back that afternoon and I am told by the bak that the adjustment department decided to take 500 dollars out of my account for a stop payment mistake that the bank had made in December 2002 and that they are real sorry for not notifying me for their decision.

At the beginning of every month I recieve my daughters social security she recieves from her father direct deposit in this account.

How can a bank say and do what this one is doing. I stopped payment on 3 checks on with confirmation letters for all of them dated 12/2/2002. The bank made the mistake of letting one of those checks go through my checking account in the amount of 500 dollars on Dec 12, 2002. My account once again bounced and it was investigated by the bank and the withdrawal of 500 dollars and the overdrafts and charges were reimbursed to my account. Now 6 months later they just overcharge my account without notice, don't bother contacting me of their decision and have now as of today 7/3/2003 have now stolen my daughters money that was direct deposited this morning from my account.

The banks explaination is that this is how it is that they don't stop payments on checks for insufficient funds and have taken my daughters money--I NEED HELP--this is flat out wrong and this is stealing. I have yet as of today been notified in writing why this has occurred.
I tried to close my account and they would not let me so they could take my daughters direct deposit on purpose.

Joyce
Salem, Missouri
U.S.A.