Problems caused by my funds being low

I have documentation that shows that US Bank would not charge a Returned Item Fee nor an Overdraft Fee on my account ( Number XXXX ). When a withdrawal or other debit came in and there were non-sufficient funds, the payment was returned, without charging any fees, unless the resulting overdraft amount was negligible ( This occurred seven times between XX/XX/XXXX and XX/XX/XXXX on the old account as shown by notices received in the mail attached herein ).
On XX/XX/XXXX, I opened a new account at US Bank ( XXXX XXXX ). On XX/XX/XXXX, an overdraft fee was charged, and a few days later two other payments were returned, one other was returned and more fees were added. The Bank has failed to provide satisfactorily explanation of this change in policy. At the time of opening the new account, I was not given any notice or warning that new rules would apply. The Bank keeps adding extended overdraft fees.
In my perception, the bank should have not honored any payments that were underfunded nor charged any fees for overdraft nor returned items because US Bank created a reasonable expectation through consistent behavior upon which reliance was reasonable. The Bank should bring the account to XXXX balance at its own expense. Further, the bank should refrain form a threatened charge off or any other report that will harm my credit history.

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