<prompt> Human: As the title states, I have racked up over 700 worth of overdraft fees, in a period of 4 years with Citibank, but I have never paid for one of them. How so? I call Citibank and get them removed just by asking. If an agent says, no I just call back again, and the agent removes it, and if they dont, I rinse and repeat until someone does. This method has worked 100 of the time. I found out about my overdraft fees because a loaning company that is now defunct I forgot the name told me how much I was paying in overdraft fees by looking at my bank account once I entered my login. Nevertheless, this is not good, racking up this many fees was because of poor money management, but I no longer have to call, because I have gotten better at managing my money. Plus it saves the headache of calling in every time. And if you are with BoFA, or Chase I feel bad for you, because I was never able to take them away, unless they were the 2 courtesy removals they do.  <response>: I make minimum wage and even I dont overdraft my account. How hard is it? Am I a rocket scientist because I can say oh this thing costs 150 dollars but I only have 100 I guess I cant afford it ?? 