On XXXX/XXXX/16 I contacted US Bank to request payofff amount for my US Bank HELOC. On XXXX/XXXX/16 sent check via USPS Certified Mail for payoff amount as of XXXX/XXXX/16. USPS shows check delivered on XXXX/XXXX/16. Check not cashed as of XXXX/XXXX/16, called to inquire, was told checks take 3-5 days to process, would not be charged the per diem ( {$16.00} ) for the processing time, account would be {$16.00} each day for the 2 late days ( payment was sent for payoff as of XXXX, but USPS Certified Tracking shows delivery on XXXX ). As of XXXX/XXXX/16, check still not cashed. Called to inquire evening of XXXX/XXXX/16. Was told check was submitted for incorrect amount ; check had been returned to me in mail that day. US Bank held the payoff check from XXXX through XXXX, never tried to contact me. US Bank claims the per diem of {$16.00} is owed for each day they held the payoff check ( XXXX x 9 days between XXXX and XXXX ). Check was written for payoff date of XXXX, and I should pay {$16.00} per diem for the 2 days after payment was made. It appears US Bank deemed the check to be insufficient to pay off the loan ; did not submit the check for payment ; held the check for 9 days without contacting me, all in an effort to hinder paying the loan off in order to continue collecting the {$16.00} per diem. This action is underhanded and should not be allowed. 
