Could you revie my essay-letter to the bank. Thanks a lot for help

Dear Mr. Black,

I have recently received a letter from your bank postmarked July 7, 2011. It notifies me about overdraft of $240 on my account. Moreover, I must pay a fine of $70 which would be withdrawn from my checking account.

I would like to inform you that I believe this to be a mistake on your part or some type of fraudulent transaction done by a third party.
First of all, I have a checking account in Russian Rubles and I don't have any accounts in foreign currency with your bank. The only time when I use dollars is my pay day when I regularly deposit a $1000 paycheck in my checking account and this amount is converted into Russian Rubles. I have been living in Russia all this time, never traveled or been on a business trip abroad and subsequently I have never had to use dollars in my transactions.
I check my account balance and activities on regular basis through your website and get my bank statements monthly with the list of all transaction including account maintenance fee charged on the 1st of each month. During the last three years, since I have been a customer of your bank, I have never withdrawn more money than I had on my account. In every single statement I received from your bank my account has always shown a positive balance and has never been overdrawn.
With this letter I am enclosing a statement from your bank for the period of time when the alleged overdraft occurred. The statement clearly indicates my account had a positive balance and there weren't any transactions totaling $240 or more on any given day.
I firmly believe that the situation with the overdraft is a mistake. I would like to be provided with a copy of detailed records of all activities on my bank account from March 5, 2011 and to the current time. Also, I am requesting this information to be rechecked, $240 transaction to be verified, removed from records and $70 overdraft fee canceled.

I appreciate your attention in this matter and I am looking forward to your prompt reply.
Yours sincerely,
Ben Ten

Я несколько изменила текст, т. к. я не очень поняла логическую цепочку в середине. В текст я добавила как можно больше терминов, связанных с наличием счёта в банке.
Checking account означает обычный, не кредитный и не сберегательный счёт. Дебитовый в употреблении со словом счёт будет checking, а со словом карточка так и останется debit
I was not in a state of deficit - звучит шершаво для носительского уха, поэтому лучше использовать overdrawn и по отношению к счёту, а не к владельцу счёта.
Ну вот, как-то так.

Hey, you're new here! I love new people, welcome. … Here you will find IELTS Writing samples (essays, letters, reports), written by students and graded by an IELTS teacher.
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Letter to the bank about bank error. Posted by admin on 23 September, 2007. This item was filled under [ Letters ]
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''We intended to be firmly within the letter of the law,'' lawyer-President Clinton artfully explained this week.His purpose in stressing ''intent'' was to buttress his … Essay; 'Letter of the Law' By WILLIAM SAFIRE Published: September 24, 1997.
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good luck