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During college I had a local bank account mainly used just to buy stuff I needed during those two years I lived in a small ass college town.
Right before graduating my account was low since I wasn't adding more cash to that bank. A subscription I thought I canceled ended up charging me $35 more than I had in my bank account. The bank workers told me on the phone not to worry about it since I have overdraft protection and I can just cancel the purchase later with no charge.
They lied and I ended up getting charged an extra $35 for going over my balance. Still fucking hate that bank for making me deal with this during finals. Once the subscription was cancelled I still was in the negative because of the overdraft charges I was told wouldn't be used on me.