When i open a bank account they asked me if i wanted overdraft protection and i said no becuz i would overdraft it. A mouth later i deposit a check and got account balance and it was negative so i asked them if there was some mistake and the said no. i told the lady i denied overdraft protection and she told me since the transaction was done when the bank was closed they had no way to stop it and they had no record of me deny overdraft. so am i able to dispute it and win???