I have an account with US Bank. On Tuesday morning ( XX/XX/2016 ) I checked my balance online, it was {$92.00}. On Wednesday morning ( XX/XX/2016 ) I checked it again and my available balance ( including pending transactions ) was - {$0.00}. There were XXXX transactions pending ; {$55.00}, {$22.00}, {$12.00}, and {$10.00}. I knew the {$10.00} was going to turn into {$14.00} because of a {$4.00} tip that would be added to the initial transaction and transferred enough money from XXXX account to cover this. I accept full responsibility for being overdrawn. I thought the {$55.00} transaction had gone through a couple weeks before, but the company waited to charge my account until the product had shipped. I assumed I may be charged a overdraft fee for this mistake and rightly so, but instead I was charged XXXX over draft fees. No matter what order they would have paid them in ( largest to smallest, smallest to largest, or the just the order they were received ) only one should have put my account in the negative. Again all XXXX transactions were still pending when I transferred money to cover them. Also, when I opened the account I was adamant about signing the paperwork so that the bank would reject transactions if there were insufficient funds. US Bank informed me that they considered all XXXX transactions overdrawn and they would not rescind any of the overdraft fees. I believe this type of unfair, unethical policy is why the CFPB was created and would like its help in getting XXXX of the for overdraft fees rescinded. Thank you 
