I signed up with a credit counseling agency to get my debt under control. One of the agency guidelines was to closed my current checking account and open a new one so debtors could get access to my account while the agency was undertaking negotiations. I paid the balance on my checking account to XXXX, and opened a new account with the same bank ( USBank ), and started my automatic paycheck deposits to that new account. But when I paid the balance to XXXX, on my old account, USbank did n't close the account because of pending transactions. I called the service support line and they informed me they could n't do anthing about it until the balance came to XXXX. Because I had several payday loans out, and the bank continued to try and process them as the payday loan companies continuous kept submitting payment request to the bank, the account always had pending transactions. Also, I used USBanks bill pay service. I changed all my bills to be paid out of the new account I opened. The bill pay service continued to try an pay some bills through the old account even though I had cancelled all payments from that account, which led to return check fees. During all this time the returned check fees added up to over XXXX dollars. The bank took over XXXX dollars on my new account to pay those fees. That XXXX dollars was my mortgage, home insurance and car insurance payment. I was not able to make those payments that month. I called the bank branch directly and the person I talked with put a hold on any further incoming payment request which allowed me to finally close the old account. So why could they not do that ( put on a hold ) when I initially paid the balance to XXXX in order to close the accout? With another call they refunded me XXXX return check fees of XXXX each, but said they could n't refund the rest because I did n't call earlier. But I called there service support line twice and each time was told there was nothing they could do. I live paycheck to paycheck and losing over XXXX set me back on many payments on multiple accounts. I cancelled my registration with the credit couneling service because after 30 days after registrating with them, they still had not started negotiating with my creditors, and I filed chapter XXXX bankruptcy. I was trying not to file bankruptcy, but with USBank confiscating over XXXX dollars in return check fees plus the XXXX dollars in fees I paid to close the old USBank account, I did n't see any other way to get my debt under control. I feel USBank could have put a hold on processing any other payment request to my old account when I paid it to XXXX. I then could have referred those debtors to the credit counseling agency I signed up with to negotiation settlements. 
