We had a false charge on my a/c. the bank charged overdraft charges. the actualcharge was reversed.but od was not. They levied more than {$100.00} in charge andmade the a/c negative.In the negative state a {$97.00} insurance charge was honored. 
Thus the total actual charge was {$97.00} and o/d charge was more than XXXX then theyadded anathor {$70.00} and closed the a/c. we have chased them for XXXX yrs to settle the a/cbut they claim to have sold it to XXXX XXXX XXXX. BUT XXXX does nothave the a/c. so what do i do.bank is non cooperative. But they have reported me XXXX for their charges 
