<prompt> Human: Hi,I dont check my bank account daily so I just saw this today. Somebody on the 29th purchased something using my PalPal account. I didnt have enough money in the account to it didnt go through. However, the bank is now charging me with a fee because I didnt have enough money. Now Im over-drafted because of that fee. Theyre charging me interest on it.This is my first time experiencing things of this nature. Im on hold Phone with the bank now. I have a Youth account with TD.Thanks.Will this affect my credit rating or something? I dont have a credit card yet. But when I do, will this affect it?EDIT: I got the charge reversed. But I am still responsible for a 4 cent Overdraft interest : Thank you to everybody who helped!  <response>: Explain its fraud. It should be solved at that point but make sure they reverse the overdraft 