OK, 4 1/2 mos ago I moved and opened a new checking acct at a different bank. I had left about $25 in my old checking account but wasn't using it and had not had fees on the account before so didn't worry about getting to that bank to close the account. Now I am reapplying for a security clearance so I reviewed all accounts and finally opened what appeared to be a typical bank statement from that old account that had arrived a few weeks ago. Apparently, since I filed for BK and gave up all CCs, the bank decided I was no longer qualified to get the no-fee checking acct. They never sent me anything saying that so I had no idea. But check this out- they KNOW there has been NO activity on that account in 4 mos but took out $20/mo for 4 mos until it left a negative balance of about $52, then deposited $90 in the acct themselves, then took out $40 from the acct to pay themselves to close the acct, then turned over a overdraft of $92 to their collections dept. So I call and am trying to get someone on the phone to dispute this but the customer rep only wants to put me thru to the collections dept- and I seriously don't think they can change the charges. How do I get thru to a person- manager, supervisor, whatever, in a different dept who can discuss dropping them or at least lowering them and where I can go on record as disputing this? It sure isn't going to help this clearance app if I can't get this resolved ASAP. Obviously, if I'd known they were charging 20/mo since Sept, I would have closed the acct- I haven't used it at all and no longer needed it.