Business ProfileforMetro Credit Union

I have had this bank for less than a year; this is the third issue I have had that short time. The first time was an in-app error that resulted in a fee. I did nothing wrong to incur this fee, causing them to refund it. While refunding it, they repeatedly told me it was a courtesy since I made an error, which I did not. It was their apps doing. The second time, a company was allowed to take money from my empty account, despite no authorization from me to do so. When opening my bank account, I was asked if I wanted this, and I said no. I do not want people taking money out when I have none. I was told THIS time that they could not help me because they already used up my courtesy the last time. I fought tooth and nail and eventually they refunded me.Now, I have $0. I get monthly disability payments and used it already for rent and utilities, so I have not a ***** until June 30th. I woke up this morning to -$45 because once again, MCU allowed someone to take money, and then they took a fee. When I reached out, I was told again that I signed up for this service and never complained. Even though I supposedly never complained, I still somehow already used up my courtesy fee reversal. They reminded me they even gave me an extra courtesy, which they did not as the first fee was also their fault.I have asked them on three separate occasions to stop allowing people to take money from an empty account but they keep letting this happen so they can steal money from their already poorest customers. The cruelty of forcing someone into the negatives only to take $35. This feels punitive.