I 've been a US Bank customer for many years. I 'm young and it 's still difficult to keep up with the changing methods and rules that the bank imposes on existing products. I was under the mistaken impression that the recent Reg E changes would prevent the bank from charging daily overdraft fees. What I find now is that they will charge an extended overdraft fee if your account is 7 days overdrawn. That 's a miserable thing to do but whatever, it 's {$25.00}. The deceptive part is in their notification of that fee. Once your account has been at a negative balance for 5 days they send you a letter to tell you in 2 days you will be charged a fee. Of course you ca n't possibly receive that notice in 2 days and the fee is already charged before you have an opportunity to bring your account positive. Giving someone a 0-2 days window before a fee will be charged is deceptive and unfair. I received my notice on XXXX XXXX to let me know that on XXXX XXXX a {$25.00} fee would be added to my account. Bear in mind this is after a US Bank autopayment overdrew the account ( and failed to make the minimum payment ). This practice would make it extremely difficult for someone to prevent this fee from being assessed. When I brought this up with the on-duty branch manager at the XXXX XXXX XXXX, XXXX, WA XXXX location, XXXX XXXX XXXX, she said since it was n't a " bank error '' she would n't reverse it. I asked did n't it seem like a deceptive act and she said no, this did not qualify under UDAAP.I asked how I could file a complaint with the bank she provided me the regular branch manager 's card with no additional information. I still do n't know how I can voice my concerns regarding this policy or practice with US Bank directly and XXXX XXXX was not at all concerned that I perceived my consumer rights to have been violated. In a single {$33.00} transaction ( which I had to set up or the account would charge a fee ) I ended up with a {$20.00} late fee ( because the {$33.00} was not enough to actually cover the payment, it pulled the " available balance '' instead of the payment perhaps due to an internal mapping error in their very old software ) and a {$25.00} " extended overdraft fee ''. Unbelievable. 
