<prompt> Human: So I am usually on top of my finances fairly regularly. But...i fucked up. My sister cashed a check for 300 much later than I expected. I owed from an old car repair. I havent been checking my account regularly which in hindsight is a huge mistake but the late check caused me to overdraw. I signed up for overdraft protection a long time ago, and I thought that meant it would stop transactions when I hit my limit. This is through pnc, and they are telling me that overdraft protection just means that they automatically take money from savings to cover overdrafts but not stop you from using your card. So I kept using my card like normal, figuring I would get stopped if it went over. Not true, and now with 900 in overdraft fees and 7 a day penalty, I am at -1,046.00. I am going insane! I only make about 1200 a month! I cant afford to even pay rent this month much less anything else. I talked to a low level employee on the phone tonight and they waived about 300 in overdraft charges but I need all that money back. I dont have any to spare. I know I fucked up in not having auto alert to my phone cant spare charges at this time and not checking account regularly. But I figured overdraft protection would prevent this from happening. Is there any thing I can say or someone I can talk to that can help me out? I dont want to lose my apt over this. Please help!  <response>: OD Protection is when funds are transferred from another deposit account or credit product to cover ODs. OD Coverage is the authorization to let the account OD. I must be missing something. No bank can charge you a more than a total of 4 OD fees per day. Thats 144 a day. PNC starts charging 7 a day after the 5th consecutive calendar day that your account is overdrawn and the ceiling is set at 98. You would have to have 22 OD fees for it to total to 800 in fees. That would take at least 5 days with 4 ODs each day with an average transaction amount of approx. 6-7. Did you carefully check your transaction history? 