TO START WITH I AM ON LIMITED INCOME DISABILITY AND I SAVED UP 4 MONTHS TO DO THIS IN TOWN TRIP.  I PLANNED EVERYTHING OUT HOW MUCH I WAS TO SPEND WITH MY DEBIT CARD AND THE REST WOULD BE CASH.  I LIVE IN XXXX, NV AND WENT TO THE XXXX FOR AN OVER NIGHT STAY ON XXXX.  THE MAIN THINGS I WANTED TO DO WAS XXXX AT XXXX AND THE XXXX DOWNTOWN.  I BOOKED A ROOM AT THE DOWNTOWNER HOTEL BECAUSE OF PRICE AND ITS LOCATION TO THE ZIP LINE SINCE MY RIDE TIME WAS XXXX MONDAY XXXX.  I CALLED THE HOTEL AND LET THEM KNOW I WOULDN'T BE THERE TILL AFTER XXXX.  WHAT I CHECKED IN THERE WAS A NEW GIRL WORKING THE OVER NIGHT SHIFT AND IT WAS HER FIRST TIME DOING A SPLIT PAYMENT.  I HAD HER PUT XXXX ON MY BANK CARD THE I PAID CASH FOR THE XXXX DEPOSIT AND THE XXXX SERVICE FEE.  WHEN I CHECKED OUT I GOT MY XXXX BACK THEN THE NEXT MORNING I TOOK XXXX OUT AT THE BANK AND IT SAID I ONLY HAD A LITTLE OVER XXXX LEFT.  I WENT HOME PULLED UP MY ACCOUNT AND SAW XXXX CHARGES FROM THE XXXX ONE WAS XXXX WHICH WAS RIGHT THEN XXXX WHICH SHOULDN'T OF BEEN THERE.  I CALLED THE BANK AND   I TRIED TO GET HELP STOPPING THE EXTRA CHARGE THEY SAID I HAD TO TALK TO THE HOTEL.  THE ONLY THING I GOT FROM THEM WAS THAT THE GIRL ON THE NEXT SHIFT DIDN'T THINK THE NEW GIRL CHARGED ME.  WHILE DOING ALL OF THIS I GOT XXXX OVER DRAFT CHARGES XXXX EACH.  I CALLED THE BANK AGAIN AND TALKED TO THEM ABOUT THE OVER DRAFTS AND ABOUT HOW I PLANED EVERYTHING AND THAT'S WHEN I WAS TOLD IT WAS BECAUSE OF THE XXXX CHARGE BY THE HOTEL  WAS TOLD THAT SINCE IT WASN'T THEIR MISTAKE OR MY MISTAKE THERE WAS NOTHING THE WOULD DO AND I WOULD HAVE TO GET THE HOTEL TO GIVE ME THE MONEY BACK.  I WENT TO THE BACK BY MY HOUSE AND THEY TOLD ME MY HOME BANK COULD REVERS THE CHARGE SO WENT THERE AND WAS TOLD THEY COULDN'T DO ANYTHING AND SAID THAT XXXX PUT IN MY ACCOUNT IF THE XXXX WAS RETURNED THE THE OVER DRAFTS WOULD ALSO BEEN RETURNED.  I TALK TO ANOTHER BANK ABOUT WHAT HAPPEN AND THEY SAID SINCE I REPORTED THE NEXT MORNING MY BANK SHOULD OF DONE SOMETHING AND I SHOULDN'T OF GOTTEN THE OVER DRAFTS.  SO I BORROWED MONEY FROM A COUPLE FRIENDS TO PUT XXXX IN THE BANK SO I WOULDN'T GET ANY MORE FEES AND STILL CANT PAY THAT BACK.