Opening:
Hi — my name is [Your Name], account ending XXXX. I’m calling about an overdraft fee of $[Amount] posted on [Date]. I’m hoping you can help me with a one-time refund.

If agent asks for details:
- I had a payment of $[X] post on [Date]. I deposited $[Y] on [Date], which covered the item the next business day.
- I’m requesting a one-time courtesy refund due to [brief reason: e.g., timing of paycheck, bank posting order].

If they say no:
- I understand. Is there a supervisor I can speak with?
- Could you check if there is any “fee forgiveness” or “overdraft fee forgiven” program for my account type?
- If the supervisor cannot help, may I please have a reference or a code for this call so I can include it in a formal complaint?

If they ask for follow-up:
- Ask for a case or reference number and the best contact method.
- Note the agent’s name and time of call.

Closing:
Thank you for checking this. I appreciate your time.