<prompt> Human: So a chain of gas stations in my area lets you use a member card tied to your bank account that charges you about 3 business days after the purchase, which usually works out fine.However if they try to charge you and the charge doesnt go through, apparently they pass it off to some Debt Collector company that slams on a 20 fee, and I believe they tack on 20day or something.The other day I got 20 in gas, but the funds were in my account and my bank account has a large amount of overdraft protection. I thought the charge had already gone through but today I got an email stating theyd gotten an insufficient funds charge and that Id have to pay 40.Knowing how ridiculous this was, I called and had a 10-15 minute conversation with one of the managerssupervisors who was being extremely stubborn. I made it very clear to them that the funds were in my account, have been in my account, and I would not pay them any more than the 20 for the gas that I purchased. They refused to do anything because they said they got an insufficient funds message from the bank and would not accept an apology from the bank. They insisted I pay them 40 and then tell my bank to give me my 20 back, which was insane. I even called my bank to ensure the funds were in the account, and they were. The company mentioned something about trying to charge again by the end of today and told them Id give them their 20 for the gas but thats it and then hung up.I just checked my account and have not seen any charges for 20 or 40 appear, which leads me to believe they never tried to charge again. Now Im sitting here thinking they may attempt to charge me 60 tomorrow, which would be ridiculous and I dont have that money to throw around.I called the gas stations corporate office today and explained the situation, they took down my contact info and said theyd forward it on to their accounting department to look at and I never heard back from them today, but I threatened to cancel my membership with them and no longer give business to their stations if this was not resolved.Do I have anything to stand on here if this gets worse? Im going to attempt to call that company again tomorrow and tell them they can charge me the 20, but I already know they arent going to listen, even when I tell them my bank confirmed that there were never insufficient funds. Im afraid that if this goes on theyll try to charge me 200 or something outrageous that I really cant pay, and then it could snowball even higher. I have no idea if that would even happen, but Im trying to resolve things before it gets that far without getting ripped off.TL;DR: Gas station passed off a charge to some Debt Collector company due to getting insufficient funds back when charging my purchase, even though I have overdraft protection and there were never insufficient funds. Company now wants to charge me 20 for the gas I bought plus a 20 fee Which I believe may be a daily fee, and Ive been fighting it and telling them my bank said the funds were there and that I wont pay them anymore than the amount the purchase was for. If this snowballs into something crazy is there any way for me to defend myself and avoid getting screwed?  <response>: That seems like such a shitty system to not have to take 5 seconds to swipe a card...when you already have to swipe one... 