My second bank is trying to charge me 261 dollars for a 3 dollar over draft is this legal?

My card was obtained in a genie and returned to me when i realize it was missing at the place that it was obtained, I filed a dispute, but was never given a response i just recently got a call from debt collectors. They charged me 6 dollars a day for my 3 bucks overdrawn by someone else. Do I have any legal ground to stand on?