I accepted a fixed percentage offer until paid in full for a balance transfer from US Bank ; a few months later I received a communication advising an annual fee ( {$40.00} ) would becharged starting XXXX XXXX, stipulating the option of paying your bill in full. If I had themoney I would n't have accepted their offer in the XXXX place. Upon being charged, I calledsaying I did n't feel I should be charged an annual fee as I did not use their card forpurchases but paying off a balance transfer. I got no satisfaction by phoning the next yearas well. XXXX of last year I wrote the same objection on my payment slip ; I received theresponse that the annual fee was necessary for the cost of maintaining my account. 
This time around I am writing you in the hope of some justice. 
