<prompt> Human: Recently I switched from Wells Fargo to a local credit union. I left a 1000 in the account for 3 months incase I had forgot about an auto pay that was linked to the account.Well last week I decided go ahead and transfer the 1000 left over to my credit union. And then, of course, I got hit with my yearly 59 dollar xbox live subscription. So here I am with an account I want to close with -94 dollar balance. 35 dollar over draft charge 59 dollar charge.Im on the phone right now with Microsoft getting the live charge dropped I dont want it anymore, and refunded to my account. What can I do about the overdraft charge? Just pay it up and move on? Or tell Wells Fargo it was a mistake?  <response>: Call them up and ask them to waive it. Usually they will if its the first time its happened. The worst they can say is no. 