Overdraft Questions

So my wife and I have been living pretty tight for a few years. Every now and then we will overdraft our account and suntrust obviouslly charges us a $36 overdraft fee. I have called several times to speak with them b/c in back a few years ago when the banks were required to ask if their customer if they accepted or declined overdraft coverages, I DECLINED IT. I was told that was not the case and I have not really put up a big fight about it. Well tonight we got hit with a fee and it just didnt seem right on how the debits were arranged to cause this account to overdraft more than once.

I am quite frustrated with this and I decieded to research my decision to decline the service. Well I found the setting in my account that shows if you are enrolled or not and all my accounts have DECLINED checked and it gives a date as to when this decision was made and the date is 8/13/2010.

My question is now what. They have covered atleast 15 overdrafts over the past 2 years and I never agreed to this service. Infact I declined it b/c my thought was I would rather be declined then charged $36 per transaction. Should I go after all these charges b/c I declined this service and will I have a good case with them.

I dont know where to start but if I can stick it to them for doing this I would love to. We are talking about over $500 worth of fees that I didnt authorize. Any suggestions?