Complaint Review: Bank of the West

I overdrafted my account due to a levy by the IRS.  I understand that would cause me an overdraft fee.  However, what happened instead seemed to me like they were raping my account.  I have been a loyal customer there for years and have direct deposit with them.  I do not make a habit of overdrafting my account so I was not prepared for what happened below.  I wrote them and asked why all the fees and this is what they replied.

Thank you for your recent inquiry.

The $31.00 charge on your account is a Paid Overdraft Fee.  This charge occurs when an item presented for payment against your account causes your account to become overdrawn.

 The following items presented for payment on November 19, 2013.

 Levy/InternalRevenueService $34.51

Electronic Debit/American General $25.16*

 *Paid Overdraft Fee Assessed.

 The available balance in your account on this day was $34.51.  These items were paid and and your account balance became (-$25.16).  Your account was charged the Paid Overdraft Fee on November 20, 2013, the following business day.

 According to our records, the Internal Revenue Service issued a full release of the levy.  Therefore, your account was credited $34.51 on November 26, 2013. 

 Please note that whenever a notice of levy is placed on an account, Bank of the West reserves the right to charge the levy collection/processing fee.  Even though the levy was not assessed to your account, the levy collection/processing fee of $100.00 is still applicable.  As a result, your account was debited $34.51 on November 26, 2013.

 Your account is charged $5.00 if there is a negative balance of $15.00 or more.  The fee is posted to your account beginning the third business day after the negative balance occurs.  This charge is assessed each business day the account has a negative balance.

 Please note this charge is in addition to any overdraft, returned item or other fee which may have been assessed.