Did you just get an overdraft fee?
Or have you had one in the past 30 days?
Let’s get rid of it.
I’ll explain a few different strategies, in order of expected success.
- Tweet at your bank.
Big banks have full-time employees who have one job: Twitter.
Those people are about to be your best friends.
Tweet at your bank, asking for help with an “unusual fee.”
They’ll tweet back at you and ask you to direct message (DM) them.
Remember, don’t include any confidential information like your account number.
- Call your bank.
It’s a pain. But it works.
Call your bank and find something to read while you’re on hold.
Once you connect with a real person, be polite and ask if there’s anything they can do about the fee.
If you’d like to be bold, mention that you’re worried about the current regulatory environment for retail banking, and muse aloud on the effective APR of the overdraft fee you received.
If it doesn’t work the first time, try again.
- Email your bank.
To be frank, emailing your bank has the lowest possibility of success.
That’s probably why it’s the easiest
Banks do their best to hide their email addresses.
If you do find an email address and get through to them, give enough information for them to get in touch with you. Again, don’t put confidential information in an email.
Usually your bank will call you to confirm your identity and discuss the details.
Be sure you don’t miss that call! Usually they won’t keep trying. After all, you’re trying to get your $35 back.
- Exciting news: Trim will contest overdraft fees FOR you, 100% free.