The class action lawsuit alleges that the plaintiff, and other Umpqua customers in Oregon, California, Washington, and Nevada, were charged overdraft fees because of Umpqua's unfair and deceptive overdraft fee practices. The lawsuit alleges, among other things, that Umpqua engaged in a systematic policy of re-ordering debit card transactions from highest dollar amount to lowest dollar amount so as to deplete the customer's available funds as quickly as possible while maximizing the number of overdraft fees. The lawsuit also alleges that Umpqua failed to disclose or properly disclose its overdraft policies, including by providing bank statements which did not indicate the order in which transactions were actually posted to accounts.