Before, dealing with the present problem, one credit agency rerfused to collect anything over a $5 non TD Banknorth ATM, and hiring NCO...guess that makes it look official. What did I do? I simply told them, I was switching banks, as it was clear, they were sucking money out of us for anything. However, prior to this, in about 2007, I tried to close a checking account, as it was Christmas, and they were escalating $35 every 3 days...eating up my whole disability check, and I was a widow with a child, trying to go back to school...they refused to close the account. My money from social security was COMPLETELY taken. Never mind Xmas...I had no rent money. Also, after a huge surgery, this got me evicted. They had the nerve to discharge the account, AND charge me $280 more! I also want my money back, and feel it should be returned. It was legal loansharking. This is also to the ladyalso, who said their fees were awful. I left AFTER I read, that (oh, a NEW rule...people working wouldn't have time to read, $35, if one takes more than $100 inside of the three days of direct deposit. Don't most of us pay our bills around the first of the month? oH, TOO BAD, more money in their pockets, after your checkgbook is off by $35, and they have your charges, they will be sorry, but this is their policy!!!