US Bank has taken an overdraft out of our checking account and that has caused an overdraft and left a negative balance of {$80.00} and on XX/XX/XXXX16 our XXXX payment was returned to them unpaid.I went to use the debit card at XXXX this morning and it was rejected and I came home and checked the account online and there was an item presented to the bank and they had taken out the {$120.00} and I spoke to a person at the bank and she said that the overdraft protection was for the debit card and I said no as they did return an electronic withdrawl from the same company and put back the overdraft money and service charge. Now they are still charging us the service charge on our own money. We had stopped the over draft protection in XXXX of 2016 and this was for all transactions. I will attach a copy of my bank statement to this complaint and I need to have some action on this as the bank is telling us that they can change there agreements without telling the consumer. I feel that they need to return the money and not take the service charge as we had stopped the over draft protection in XXXX of 2016. 
XXXX2016 Overdraft Returned Fee Waived {$36.00} {$120.00} XXXX/XXXX/2016 Overdraft Returned Fee {$36.00} {$84.00} XXXX/XXXX/2016 Returned Electronic Withdrawal Wi XXXX XXXX {$120.00} {$120.00} XXXX/XXXX/2016 Monthly Maintenance Fee Waived {$8.00} - {$4.00} XXXX/XXXX/2016 Monthly Maintenance Fee {$8.00} - {$13.00} XXXX/XXXX/2016 Electronic Withdrawal Wi XXXX {$120.00} - {$4.00} XXXX/XXXX/2016 Debit Purchase -XXXX Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
