<prompt> Human: Aloha guys-Im in the US. I received a letter today stating that my checking account had been closed because it was overdrawn for 49 consecutive days. The bank says it sent letters, but I havent received a single letter up until this point. They have the correct address on file, but I do not recall ever seeing these notices. The account had overdraft protection turned OFF, so the account should be not be allowed to overdraft. However, the bank says that an itunes purchase of 1.03 went through when I had a balance of 90 cents. Because this charge came through paypal ?!, it was allowed to overdraft the account. She told me the bank covered the 13 cents, and then proceeded to charge me overdraft fees for 49 days until closing the account. The letter says I owe 384.29. Is there anything I can do? I never use this account dont even have cards, and its in a different state. I just havent closed it because occasionally I receive money or send money to my grandfather. Any help is appreciated. I cant afford to pay the 384.29, and I can barely understand how this is moral. Thank you kindly.  <response>: Youre in a crappy situation with an unsympathetic counterparty. What theyre doing is borderline criminal but unfortunately falls on the legal side of the border. Your best bet is to x200B;1. Ask nicely for the fees to be reversed due to how unreasonable they are2. Threaten to blow them up on social media3. follow through on posting bad reviews. IF you need to make a sign and stand outside their branch on public ground like the sidewalkx200B;Worse case you lose 400 and never do business with this bank again. Expensive lesson. By the way, why arent you naming and shaming them in this thread? 