<prompt> Human: Basically, my bank kept charging me overdraft fees 30 for each on stupid things I forgot to cancel that would bill me for 1-3. So I was overdraft about 65ish and was going to ask if they could take one or the overdrafts off pretty please. Usually when you go in and just ask them to take it off they do, but this time they said if I wanted it off I would have to fill out a fraud claim against the last charge who I had contacted to ask to not charge while it was pending but didnt reply and fraud seemed like a pretty big step for a 3 charge and otherwise have a nice day. So I paid off as much as I had on me that day and got my account balance down to about 25 and figured I would try to get the money to take care of it later on, which I kept putting off. Now with my bank what I didnt know is that when you have urgent messages they dont call or text or email you this, they just let you know you have an estatement ready through their portal that I honestly didnt check as much as I should have been since it only works on computer so when I was being emailed this along with their weekly newsletter clutter I just assumed it was my monthly statement since they all just say the same you have an estatement ready and wasnt aware they close my account after 30 days to be honest Ive been so stressed I didnt even realize it had been 30 daysSo now, I have found out a month later, that they have closed my account and I guess sent 25 to collections. I dont know where to even start does anyone have any advice? Is this going to ruin my credit and is this something I can just go in to talk to someone about? I realize this entire thing is my own fault for putting this off but how do I even begin to fix this? This is also a credit union if that changes anything.  <response>: You are responsible for this entirely. Contact the debt holder maybe and try to work something out. 