BBVA Compass Bank Account Or Service Complaint

BBVA Compass Bank account or service department,

Checking account Problems caused by my funds being low Texas

On my account ending in -, I have opted out for and and all courtesy overdraft protection options - ATM & Everyday Transactions - Checks & All Other Transactions ). On -/-/2015 my available balance was $31.00. On -/-/2015 a payment in the amount of $300.00 was posted ( POS AUTH - - Auto Finance - ) I do not understand, if I have opted out of these services, why this payment was authorized. This also generated a NSF on my account in the amount of $38.00.