Alright, here is my situation, I have a checking and credit card with them. I set up my credit card payment to come out on the 10th every month, for some reason it came out on the second, and they are telling me that it was not a bank error, and that It is my fault. So since they took out the $100, that left me with 82, but I put about 100 on my card since last night (dinner and movie and stuff with girlfriend.) So now I have FOUR transactions that happend when I was "overdrawn" and there is a $20 fee for each time you make a transaction when you have insufficent funds. The only reason I have insuffiecent funds is cause they took out my credit card payment a week too early. So now I am $119 over drawn, but I am supposed to have $60 in my checking. Do you think I will win this dispute? I am okay with the 100 being out, but I don't think that I should be charged $80 in fee's because they screwed up and took the money out tooo early. What are my chances of winning? Any suggestions? Should I be a complete ass and yell and scream when I call, or what? It works with some places, not sure what to do in this situation though... I called them just now and they told me I had to call back tomorrow when the fee's were not pending!