Had a checking account with overdraft protection. Accidentally paid a bill out that overdrew the account - not only did they return the item WITH overdraft protection they notified the credit bureaus that the checking account was a charge off. It was in fact never closed or charged off. When disputed the credit bureaus could verify the account was never closed. The day after the dsiputes cleared they closed the cheking account and moved the remaining funds to my savings account which I am closing.