U.S. Bancorp Money Transfers Complaint

U.S. Bancorp Money transfers department,

Domestic (US) money transfer Other transaction issues California

My husband sent me a check in the mail using the online-bill pay service through his Bank ( U.S. Bank ). The bank sent me a check dated -/-/2015. I cashed this check at my Bank ( - - - ) on - -. On - - or - - TWO DAYS AFTER I CASHED THE CHECK - my husband placed a stop check payment '' on the check. My bank reversed the transaction and said that I owe them $300.00 because U.S. Bank refused to honor the check. I looked this up, and found out that under Regulation E of the EFTA, this was not merely a check '' - but that such payments are actually defined as Pre-authorized Remittance Transfers '' by 12 CFR 1005.30. This is supposed to limit my husbands right to cancel the transaction to 30 minutes after he made it, since it was scheduled more than 5 days in advance. I and a refund of the fee I was charged by - - - for a returned check. I also want U.S. Bank to honor the remittance transfer ( which they insist was just a check ). Thank you for your help.