<prompt> Human: I was recently hit with a payment sooner than I expected and wasnt paying attention to my checking account because I was with my 2 year old nephew who was undergoing heart surgery this past weekend. I got 9 35 charges for 9 different purchase at the hospital under 5 coffees for loved ones. I switched to Santander recently and when I was opening the account was asked about overdraft and stated I didnt want to be able to overdraft my account with my card.I spent a total of 11.45 and was charge 315!! I called them and explained the situation but are refusing to budge. Its a lot of money I really cant afford is there anything else I can do. How is this not usury??!?!My nephew is currently recovering in the CICU for those curious :  <response>: Its not usury because they arent charging you interest, which is what usury covers. Although usury laws vary quite a bit anyway. These are flat fees. If you declined overdraft protection, you should be able to find that in your paperwork from when you opened the account, and then call them back and explain that your card should have been declined instead of incurring overdrafts. 