Subject: Request for Overdraft Fee Refund – Account Ending XXXX

Hello [Bank Name] Customer Service,

My name is [Your Full Name]. I am contacting you about an overdraft fee of $[Amount] posted to my account ending in XXXX on [Date]. I understand mistakes happen, and I would like to request a refund of this fee as a one-time courtesy.

Brief context:
- Date of fee: [Date]
- Transaction that caused overdraft: [Description, e.g. “Auto-pay to XYZ”]
- Amount of fee: $[Amount]
- Account number (last 4): XXXX

I have been a customer since [Year] and have generally kept my account in good standing. I deposited $[Amount] on [Date], which covered the transaction by [Time] and I believe this qualifies for a courtesy waiver under your policy.

Please review this request and let me know if you can refund the fee. I appreciate your help and would be grateful for a one-time courtesy reversal.

Thank you,
[Your Full Name]
[Phone number]
[Email address]