<prompt> Human: I had accidentally overdrafted my PNC checking account by about seven dollars a little over a week ago. I was then charged a total of 71 in overdraft fees an initial 36 overdraft charge and then 7 per day after that until today.Today, I finally decided to try to call my bank and ask if they could refund my overdraft charges. I was very polite and explained that I had accidentally overdrafted while paying my bills and asked if it would be possible for me to be refunded the overdraft fees. The person on the other line agreed.Theres no harm in asking! The worst is that they refuse, but the potential benefit of not having to pay is worth that risk.  <response>: I worked at one of the largest US Banks in a call center many years ago. I got a call one day from a woman, which was very different from my usual calls: Woman: I overdrafted my account and got hit with some fees. Me: Expecting the worst Ok let me pull up your account, lets verify your identity blah blah. ... Me: Ok it looks like you were charged 330 in fees for 11 transactions which you had insufficient funds in your account for. internally going oh shit this lady is about to go off on me. Woman: in a calm and very polite voice So I totally screwed up and I admit that it was totally my fault. I already put money in the account to cover it, Im wondering if there is anything you can do about some of them though...? Me: Researching account history Sure let me have a look and see if there is anything I can do... hmm... looks like this is the first time youve ever overdrafted... one sec thinking internally that this woman admitted responsibility didnt yell or raise her voice at me, and doesnt have a history of this. Me: Ok you know what, Im going to refund you the full 330 my limit was 100 but I knew the system would allow me to do up to 500 as a one time courtesy and quite frankly because you didnt lie or make excuses or yell at me like 99 of other callers. Very happy lady: OMG! Thank you so much I promise it will never happen again! 