Happened to me more than once. One bank NSF'd at $35 and then added $7 per day every day. I filled out affidavit forms stating the original charge was unauthorized and fraudulent (because it was true); thus should have never been NSF'd. The bank 'lost' the affidavit and claimed it was never filed. They kept racking up $7. Every time PP attempted another pull, it cost $35 plus 7/day. The overdraft reached an amount in excess of $1200 in just a few weeks. The bank never gave notices. I only knew from manually peeking in on the account.
You can ask the bank, but most refuse. You will be told to manage your money better. They make money from bouncing your transactions. Sometimes $40/instance.
You can report a lost/stolen card only a small number of times. It goes in your credit file, so even if you switch banks, if you try at a new bank they see the prior reports and say no way. You will be told that maybe you are too careless for cards.
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