In Need Financial Coaching

Member: “Can you refund the overdraft fee you guys charged me? I’m a struggling single mother and my kids won’t be able to eat tonight unless you refund that. Do you want my children to starve?”

Me: “I will be happy to look into that for you. Was the most recent transaction fraudulent or otherwise improper?”

Member: “No.”

(I look at the account to see that she has overdrafted her account due to a $300 purchase at the Coach Outlet. Not exactly a prudent purchase for a struggling single mother.)

Me: “I’m sorry, but I will not be able to refund that fee for you at this time.”

Member: “My children are going to go to bed hungry tonight! I hope you sleep well tonight with that on your mind!” *hangs up*