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tonight on nightline, consumers beware. an investigation into fat fees and profitable ploys that are costing americans billions and you may not know you re at risk. what you need to know to protect yourself. long live the king of pop. the world s greatest entertainer may have left behind a massive debt. but will a whole new fortune follow then of the times . captions paid for by abc, inc. good evening. we begin tonight with an investigation into bank practices that may seriously damage your financial health. americans are tightens their belts in this economic downturn and for many that means turning away from the tell thais temptations of credit cards in favor of debits. many struggling banks are using new fee to cash in at your risk, and what they call service many consumers now call the shaft. as chris bury now reports. now that americans are cutting back on credit, that cup of coffee, tank of gas and bag of groceries are more than ever purchased with debit cards.