Overdraft and nonsufficient fund fees often affect those already struggling financially, according to a new report from the government’s consumer watchdog group.

A survey from the Consumer Financial Protection Bureau this week reports more than one-fourth of households were charged an overdraft or nonsufficient fund fee in the past year–despite banks and credit unions slashing billions of dollars in annual fees.

The report found households that frequently incurred these fees were more likely to struggle financially. Four out of every five respondents who had been charged one of these fees said they had had difficulty paying a bill at least once in the past year. That’s opposed to just a quarter of households that had not been charged a fee during that time. Most households incurring fees had available credit on a credit card. Of those who were charged frequent overdrafts in the past year, more than 60% had credit available.

Those with frequent overdrafts are also utilizing other, more costly types of credit. More than a quarter of those with frequent overdraft fees also have a payday, auto title or pawn loan. These types of loans often charge higher interest rates and have more fees than traditional personal loans.

Of those charged an overdraft fee over the past year, 43% were surprised, while 35% had suspected it was possible. Only 22% expected the fees to occur.

Banks are charging far less in junk fees than they have in the past. For example, Bank of America cut its overdraft fee to $10 from $35 in 2022. However, President Joe Biden’s Administration has still been working to crack down on overdraft and nonsufficient funds fees as a part of their “junk fees” initiatives.