Instead of raging at a surprise fee, I called my bank - and here's what I said
The charge was listed as an "Account Maintenance Fee."
(Yes, there's also an ATM fee in there, only because there wasn't a Citibank anywhere near me at the time.)
My immediate reaction was anger. That $12 could buy me some groceries!
When I had signed up for my checking account, I specifically remembered being told that as long as I made a direct deposit during each statement period, I wouldn't be charged any fees.
And I was pretty sure I had made a direct deposit during the past statement period.
So I decided to call my bank - not right then when I was irritated, but the next morning.
After working my way through a series of automated prompts, I found myself speaking to a friendly customer service representative, who ended up reversing the fee and crediting my account $12.
Here's roughly how the conversation went:
Bank: Hello, thank you for choosing Citibank as your financial partner. What can I do for you today?
Me: Hi, I'm calling because I was charged an account maintenance fee for $12, and I'm not sure why I was charged that.
Bank: Ok, let me just pull up your account information. You have a basic checking account, which means that in order not to be charged any fees, you either have to have maintained a balance of $1,500 for the prior calendar month, or you have to have made a direct deposit to the account and paid a bill during the statement period.
(I had forgotten that I not only had to make a direct deposit, but I also had to pay a bill.)
Me: Yes, and I'm pretty sure I've made a direct deposit and paid a bill, so I don't understand why I'm being charged. (I wasn't 100% sure that I actually had, but I was almost sure, so I decided to just go with that feeling.)
Bank: Ok, what I'm going to go ahead and do for you is reverse the charge and credit your account $12.
Me: Great, thank you.
And just like that I had my $12 back. The bank representative didn't actually check if I had made a direct deposit or paid a bill, she just refunded me.
Why?
I was pleasant and polite.
I said a friendly hello and goodbye, and I never cut her off. I listened to everything she had to say - from the fact that she was happy I had chosen Citibank as my financial partner, to her explanation of the bank's basic checking account requirements.
I kept my tone light.
I resisted the urge to start the phone call with something sassy like, "This fee is coming out of nowhere and I really shouldn't be paying it." Instead, I simply asked for an explanation of why I was being charged that fee, and that's what I framed the phone call around.
I never actually asked for a refund.
I have a feeling that if I had demanded a refund, the customer service rep would have been less likely to give it to me. I didn't go into the call assuming I would get the $12, I just thought I would call and see what happened.
So next time you're unhappy with something your bank did, just give them a call. Yes, it was only $12, but after about seven minutes, that $12 was back in my pocket, which is a better place for it to be than in my bank's pocket.