
 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" 
