Chase Bank overdraft practice. Is this fair?

I have an account at Chase besides another bank. I do most my banking at another bank and only use Chase for my Safe Deposit Box, a credit card, and insurance premium payments. When I have an insurance payment that is going to be drafted I deposit cash in the account on the day before. It also has an overdraft protection that will charge my credit card.

Here is what happened:

I had $43 in my account and they charged me an annual Safe Deposit Box fee of $48.00.

IOW, I was $5 short. So they charged my credit card $50.00 to cover the $5. It wasn't a charge, but a "cash advance" at 19.24%. So they will charge me 19.24% on $50 per year to cover a $5 charge that apparently will be on my card until it is paid off.

That's not all... they charged me a $10.00 fee for processing the cash advance.

You will see below, that they do not address this behavior:

http://news.yahoo.com/s/ap/20090923/ap_on_bi_ge/us...

Is this something I should bring to attention to senator or representative?

I feel like I am pretty unique since I don't use that account much and it much like a dormant account, but still, I am shocked how crooked it seems. The interest on the $50 alone will cover the $5 charge in the first 6 months alone. And of course the overdraft charge (although I have protection) is twice as much as the overdraft.