<prompt> Human: About 4 months ago I deposited a check into my Simple Bank via photo deposit. Later I found out my SO has ran by the bank and deposited it into our Capital One we usually use that one. Simple tells me about the problem and that my account is negative and needs to be payed off to avoid any potential problems, no big deal. The issue is it was about 150. Im a college student on my own with no support. I cant just afford to be paying 150 out of nowhere. I save a little and after many messages one of their reps tells me that my account is on hold until the balance is payed and that when I pay it I can unfreeze my account and use it again. One month later I finally pay it off this week, and they immediately close my account and tell me theres nothing they can do. The rep tells me I can apply again but the likelihood of getting accepted is slim. How can I remove whatever banking mark that left on my standing? I have excellent credit and good standing everywhere. This was a mistake and an accident. It shouldnt be on my history.  <response>: It was a mistake when the double deposit of the check happened. What you should have done is taken the 150 from the Capital One account where it should not have been, since it was already in the other account and immediately paid it with that. The fact that you let it go a month before fixing it is your fault, and is rightly on your history. 