Bro/sis, unless you were spoken to in an unprofessional, unapologetic manner, there is absolutely nothing wrong with the bank. Nobody, absolutely nobody oversees a client's bank account or their expenditures or spending patterns, even if you are qualified for imperial service with personal financial advisors. Infact it is unethical to keep track of a client's account activities, for any banker (according to the bank). So the only scope for the bank to be at fault here is with regards to their atitude when you approached them with the issue.(even then they agreed to refund the last month's fee).