If the credit card company improperly took money out of your bank account resulting in a $64.00 in charges for having insufficient funds, was the credit card company allowed by you to withdraw the funds from your account. If so, then the credit card company should not be responsible for the $64.00 fee for insufficient funds in that account.However, if the credit card company was not authorized by you to pull funds from your account, then the credit card company is responsible for returning you the $64.00 amount. If the credit card company refuses to pay the fees that you are writing about, your recourse would be small claims court.