Social engineering worked for me. I got many overdraft charges with BoA while I was in college. I walked into their HQ here in Atlanta, asked to sit down with s

Social engineering worked for me. I got many overdraft charges with BoA while I was in college. I walked into their HQ here in Atlanta, asked to sit down with someone instead of a teller. Told him I had setup overdraft protection with my BoA credit card months ago, at a location in my home state and was told it was all setup. I made sure to emphasize I was a broke student - and looking at my accounts I'm sure he was able to tell. BoA reversed the $150+ charges.