Thank you. I am sorry to say that you have been scammed in a very common (and very sophisticated) work-at-home scam. See here:
Note that here, the scammer used employment as the script, not a lottery, but the concept is the same.
Someone in your situation wants to file a complaint with WWW.IC3
.GOV immediately - this is the website for the federal office that takes in complaints about scams and forward them to the appropriate authorities like the FBI. If the scammer is in USA, they may be caught.
Meanwhile however, I am afraid that you remain personally liable for the overdraft. I am sorry!
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