1. historically poor person, they don't want to deal with them and just want to charge them the $35 per individual overdraft, or whatever insanely high charge it is.
2. Poor person works hours that make it impossible to visit or even call a bank. No really, working 1 job with insane hours or several jobs with even more insane hours are not uncommon for poor people.
3. They shouldn't be re-ordering charges in the first place to have the worst possible result and it continues to perpetuate the harm we place on those who have less.
Number 2 is the absolutely loudest of these by several miles. A person being able to visit, or even call, a bank during operating hours is an enormous privilege that the people that are harmed by these overdraft fees, in the majority of cases, do not enjoy.
Write a letter. Before you dismiss this, too, I inherited my dad's papers. There were an awful lot of letters to businesses for various reasons, some with disputes. It worked for him.
Does this come from the same reasoning where the way you get a good paying job is by walking in the front door and giving a firm handshake to the owner?
Addendum: nevermind that during this whole time of unfortunate and now very slow because "mail" correspondence, especially when the circumstance described is of a bank re-ordering transactions such as to cause the most possible overdrafts given a time range, this person's whole paycheck they need to survive may have been trapped or eaten by the overdraft fees if there's 4 or 5 of them. Yes, some people make that little.
If you can't walk into the branch, use the telephone, or write a letter, your best bet is to diligently keep track of your balance. Banks also offer overdraft protection, for an additional fee.
When I was in line, every person in front of me asked to see the manager for something stupid. They didn't see the manager. It was three hours, in the middle of my work day, before I got qualified help.
