Product: Debt collection

I possess accounts with XXXX banks : XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX is my everyday account while, XXXX was used for the purpose of my car payment. 
My complaint is directed to XXXX XXXX XXXX XXXX. I am writing this complaint because XXXX XXXX XXXX XXXX has failed to diligently investigate fraud on my account and is forcing me to either : pay a debt that is not mine or default on this debt. 

Notably, as of a result this failure, they claim I owe them {$300.00}. The alleged debt stems from XXXX withdrawals. XXXX made on XX/XX/XXXX, in the amount of XXXX. The second withdrawal from XX/XX/XXXX, in the amount of XXXX. Lastly, a XXXX  withdrawal made on XX/XX/XXXX, in the amount of {$170.00}. 

I. No account activity from XXXX since late XXXX XXXX to these alleged debt, there is no account activity, in my account, since late XXXX. I opened the XXXX to pay my car payment. XXXX possessed my car loan. After my car was totaled in late XXXX, the car was paid off. There must have been a few dollars left over in the account, but nothing over {$20.00}. 

Importantly, XXXX XXXX is the account I use everyday. I pay my rent through XXXX XXXX. I receive my financial aid through XXXX XXXX. When I worked a summer internship, my pay went into my XXXX XXXX account. I do not use my XXXX account for everyday purchases. Given that, the account has not been used by me since late XXXX. 

XXXX. XX/XX/XXXX XX/XX/XXXX During this time I was studying for my law schools exam. I live in XXXX, California. I attend XXXX XXXX XXXX  XXXX XXXX XXXXXXXX. There is a XXXX XXXX XXXX  adjacent to XXXX XXXX XXXX XXXX XXXX XXXX. There is several banks in XXXX. Given that money XXXX XXXX is my everyday bank, there is no reason for me to even take out money at a shell. 

In addition, I do not go out for finals exams week so, there was no reason for me to be at a XXXX in XXXX XXXX for XXXX consecutive dayswithdrawing/spending money XXXX. XXXX XXXX It is substantial that during XXXX of XXXX, my account has a balance of {$10.00}. There we no deposits nor transfer. Then on XX/XX/XXXX, my card was used at a XXXX, in XXXX XXXX, as a debit transaction, for $ XXXX though the account only had {$10.00}. As a result, the account went negative. Then the following day, while my account was negative, XXXX approved a withdraw/transaction in the amount of XXXX, at a XXXX, XXXX XXXX XXXX XXXX XXXX which the overdraft amount XXXX to {$130.00}. Significantly, the next day, XXXX approved a withdraw/transaction in the amount of $ XXXX my account was negative. This led to a total fee of XXXX. 

It dropped down due to an automatic transfer of {$5.00} from a share. I am not confident on what that even is. 

I do not know why any bank would allow a transaction not XXXX, not XXXX, but XXXX times, to process successfully even though an account did not have the appropriate funds to cover it. This is a flaw in XXXX financial system and has effected me tragically. 

XXXX 

These charges were an act of fraud. I did not have my XXXX card in my possession at this time. Frankly, the last time it XXXX have been in my possession was XX/XX/XXXX. At that time, I went to a XXXX XXXX for my law school. I lost my wallet that night at the bar ; I had to get a new drivers license, debit card, school card, etc. My XXXX  card was in there. Since I have no use for XXXX, I never called them to get a new one. Altogether, it could not have been me who used a XXXX  card on these dates. 

For the reasons stated above, I am demanding that XXXX eliminate these fraudulent charges.