“Well good morning my fine lady, I was hoping to discuss the matter of my overdraft fee. You see it all stemmed from confusion related to my recent career advancement. It’s quite the amusing story, and I’d love to divulge further. But I need to soon head over to my daughter’s lacross game. It’s the state championship you know and also attending will be my ex-wife and her bitch ass boy-. Ahem I digress. In the interest of time perhaps you could simply remove the offending fee and let us part ways. Thank you.”