Yeah. Wachovia one time I had like 3 dollars in the account ( its my extra account I never ever use ) Well I thought I had more so I bought lunch with it which was like 5 bucks... So I went over two dollars. got hit with a 40$ fee. I was so mad, so I said **** it. I never use the account I'm not paying that ****. lol Like 4 months later they closed my account and added on another fee of 40$ more dollars. So now I have an 88$ bill from them and they just set it straigh to a collections agency. Those muther ****ers. I know its all my fault. But really? They sent it straight to a collections agency after shutting down my account. :shrugs: oh well.