Wow. I wish i could "thumbs down" that above comment. Really, not helpful.
Selina, I'm sorry about what's happened to you. For someone its never happened to, its difficult to relate to, because they dont understand how one overdraft can snowball into a huge issue. There are several things you need to do, and it sounds like you've done most of them.
1) bring the account current. - most banks wont do anything if you've over drawn. You might have to get a second job or borrow the money -- donate plasma, whatever you have to do.
2) try calling them. - Be polite. Explain the situation. Dont be afraid to cry. Promise change. Dont worry about keeping them on the phone...most call centers get graded on the length of their calls. Ask for a supervisor. If a supervisor cant help you, ask for THEIR supervisor. Keep asking for supervisors until you've gone as high as you can go or unless you get what you want...or a part of what you want. You may even want to threaten to leave the bank, as a last resort. Banks do not make money on steady accounts. They make money from people who garner fees. They want you to stay, because you steadily deposit, and steadily overdraw. They will never admit to it, but its true.
3) going into a bank will most likely not help you unless you have built rapport with your personal banker. dont waste your time.
4) If being nice doesnt work, and being mean doesnt work, and threatening to leave the bank doesnt work, you may have to follow through with that. Take your check to another bank and open an account -- this account will be CASH ONLY. You will NOT use a debit card, checks, or check cards until you can establish good financial habits. As for the old account, i'm not sure what you can do. Maybe you can put a freeze on the account and try paying it back slowly. You might have to contact an outside source to help you.
I hope this helps.
Good luck!
