Comerica Bank Generated overdraft fees when no activity Dallas Texas

I had 76 cents in the account.  I was intending to close the account, but my mother had a stroke and I've been taking care of her, taking her to doctors.  Not an excuse, I know, but I don't understand why they would wait a couple of months to suddenly charge me a maintenance fee which was what overdrew my account.  Then, they charge a $6/day fee for being overdrawn.  So, the account goes from 76 cents to minus $75 when I never wrote a check, used a debit card or had an automatic withdrawal.  Then, they sell it to a collection agency so that they can make money off of it.  Now, if I had actually overdrawn my account, I would take care of it, but this is extortion.  The collection agency tells me that this has been reported to telechek.  This does not affect me as I have checking accounts, savings accounts and a brokerage account in other financial institutions and I don't write checks.  Stay away from Comerica Bank.  Stay far away.