
Me: "Hi welcome to the Internation Bank of Commerce, how can I help you today?"

Cust. : "Yes, I need to check on my account balance...*Hands over ID and his debitcard* "

Me: "Ok sir, you have -450.89$"

Cust: "What?"

Me: "-450.89$"

Cust: "Can you explain that to me?"

Me: "Well sir, yesterday you had a balance of 102.50$, then a purchase of 553.39$ went through at Wal-Mart"

Cust: "WHAT!? I never went to wal-mart! someone must have stolen my card!"

Me: *Hands back Debit Card*

Cust: "Well, this is ridiculous, the card should have declined!"

Me: "Well sir, when the account was opened you were informed of the Overdraft Courtesy that IBC Bank offers...*Hands over a copy of the depositors agreement with his signature* this is your signature accepting the terms and conditions of the overdraft policy"

Cust: "This is *#$%#%@ I never agreed to any of this crap!"

Me: "Would you like for me to go over our Overdraft Transfer Protection that would default in drawing funds from your savings to cover the extra charges?"

Cust: "I want to speak to your manager!!!"

Me: "Alright sir one moment"
