I just listened to the message again...they are going to freeze my bank accounts. HAHAHAHAHAHAHA!!!! For what? Sixty-six cents in one and $1.23 in the other! HAHAHAHAHA!
I would call them back and very seriously ask this question:
Um, hi, I wanted to ask about you freezing my bank accounts. The bank keeps adding charges and taking them more negative. If you freeze them, will the bank stop that and give me time to pay off the previous charges? Because every time the balance is negative the charges are higher and I can’t get caught up now.