Since you firmly believe, in your own words, there is never "nothing" you can do, then simply call your bank and ask them to reverse the overdraft charge. When they tell you there is nothing they can do, remember, that's not correct and insist.
Peggysue67, I would be more than happy to review your account. Please send me a Private Message with the phone number and 4 digit PIN on your account so that I can access and review your account. You can use this link for more information on how to send a Private Message: https://communities.dish.com/t5/Communities-101/How-To-Send-a-Private-Message/td-p/15039