I have not reached a resolution with US Bank. I have not been informed as to why US Bank allowed a merchant to debit my account for a return check fee. The merchant has laws it must abide by to collect its return check fees. Thus, the method used was not lawful and caused my account to become overdrawn. US Bank is not legally allowed to charge overdraft fees for electronic debits which US Bank charged me. The merchant never contacted me by letter to initiate payment of the fees, nor did US Bank follow its banking laws. In addition, US Bank charged me overdraft fees for items paid on XXXX/XXXX/2014. The items in which US Bank referred to in its letter dated XXXX/XXXX/2014 as unpaid were paid, yet US Bank charged me insufficient fund fees for each item paid. To my recollection the items debited my account on XXXX/XXXX/2015 and was paid on XXXX/XXXX/2014 leaving a balance of {$29.00}. Shortly thereafter, US Bank applied NSF fees to my account. I had paid the items and was still charged NSF fees which is not US Bank informed me of in a conversation regarding returned items. US Bank banking guidelines are not specific because it should state a specific time a customer has to pay NSF fees ( such as : XXXX hours, on the date of transaction, etc. ). Nonetheless, US Bank has been allowed to provide its customers with information not written under the banking laws guidelines. I am being XXXX thing or another and left to see what happens if I follow the information of its customer service online and phone representatives. This has cost me and I would like to have my money returned to me XXXX. I do not have any of my bank statements in question ; therefore, since US Bank has not a been able to come to a resolution that I agree with, I would like a copy of all bank statements from moths that my account had become overdrawn. 
