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How I left Bank of America:
My previous paycheck had $350 in overdraft fees that came out of my current check. Because I had automatic deposit for my paychecks they allowed for borrowing against your next paycheck.
I borrowed $500 to cover the $350 in fees they stole from me plus a $150 service as compensation for my pain and suffering, withdrew all my money, cancelled automatic deposit, and walked away.
I'm sure they sent it to collections, but looking back on it 20 years later: still worth any damage to my credit rating.