I'm not sure a $120 charge is as serious as, say defaulting on a loan,
bankruptcy or summary judgments as far as severity of damage to your
credit record, but your bank is obviously extorting money from you.  If
it is a $30 overdraft charge x 4, it's a serious issue.  You should
contact them and learn what steps to take to file a claim with their
grievance department and also, learn independently what steps you should
take to file a grievance with appropriate federal regulators.  It'll
only cost you a phone call or two, some web time and a couple of
stamps.  It might be able to be resolved once you raise enough of a fuss.

Before then, though, I wouldn't do anything that scans your credit
rating.  Red flags will trigger other red flags, and if the initial ding
is removed or downgraded (which it can be), those consequential denials
would still be in effect.

- JIim

Michael Dinowitz wrote:

>Doing all that just isn't my style. I'm upset with what they did to me but
>I'm also fearful of it happening to others. The warning not to use Astoria
>is both 'vengence' and public service. Having your credit ruined for $120 of
>virtual money is not something that should happen to anyone.
>
>  
>
>>Wonder how many spam lists we can add [EMAIL PROTECTED] to...
>>
>>How about astoriafederalsucks.com
>>
>>One bounced withdrawal and the screw with your credit.  Sue them.
>>   
>>
>
>
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