We signed an agreement with our bank that our debi
We signed an agreement with our bank that our debit card would decline instead of overdraw. We were mailed a copy. My fiance' then overdrew our bank account with our card, and the bank denied us having filled the form out. They ignored our calls & said we never tried to contact them.
They then sent our info to a collector & we now have 30 days to dispute.... When I send the letter of dispute do I need to explain why/send copy of no overdraft letter?