My wife sent me this email concerning an overdraft she got via my account. Complicated, but I'm quite sure it wasn't my doing. Anyway, I'm posting the email she sent me, followed by my reply to her. Let me know what you think...
FROM MY WIFE I need to transfer 50 from your checking back to my savings. You had two overdrafts that pulled from my savings for some reason. You need to close out the account and open your own, that would be the best and easiest way to do things...
MY REPLY Can you give me the dates on the overdrafts? I have plenty in my account, so that shouldn't have happened. I'll gladly give you $50 for the inconvenience, but strange that it happened. If the banker you had already knew what s/he were doing when they helped you set up your accounts, such occurrences should either have been setup never to happen or, at least, be explained beforehand so you as the customer are educated.
BTW, I'm typing up the bills that I need you to pay from the past two weeks, i.e. Jan 31-Feb 12. Please standby.
ANALYSIS My first instinct was to solely defend myself (something I'd normally do), which I decided against. My next reflex was to just give in and pay her like a pushover, which I also decided against. I tried to figure out how I could stand my ground, while being understanding without being ignorant.
