Bank of the XXXX branch has been my bank for 27 years. Several years ago the present Manager and assistant told me I should have a Gold Line attached to my checking account because I was paying excessive overdraft feets that compiled even though the deposit to cover them was entered the same day. They placed the fees XXXX then registered the deposits. 
This has been the same only worse with the Gold Line because they can randomly choose an amount to transfer to cover an overdraft. Anywhere from {$50.00} up and then charge a loan fee of 19.9 % which is very very high. 
I asked the Manager XXXX in XXXX of 2015 if there was n't a different option and I was given the brush off and told no. 
The amounts of loaned money has grown to over {$900.00} and they keep " randomly adding money to my checking and building the loan amount. 
I know that many of the transfered money from the Gold line was unnecessary and that deposits were always made to cover my payments from the checking. 
There have been times when I know that the funds were available to cover a check but the bank used " timing '' in order to increase my Gold line balance. 
