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Customer Gets Furious Over $30 Interest, Bank Shuts Down His Accounts With $2000 Fees!

by Layla Bui
November 9, 2025
in Social Issues

Customer service can be draining, especially when dealing with unreasonable clients. But one Redditor found a way to get the last laugh when a particularly rude customer demanded his accounts be closed after a small interest charge.

Following the customer’s request, the Redditor not only closed his accounts but also applied early withdrawal fees to his term deposit, costing him $2,000 for his troubles.

In the end, the customer’s threats to sue and claim discrimination backfired, with the bank banning him for life. What started as a small dispute over $30 ended up costing the customer dearly and gave this Redditor a story they’ll never forget.

A customer threatened to close all his accounts over a small fee, but the bank employee followed through, leading to unexpected consequences

Customer Gets Furious Over $30 Interest, Bank Shuts Down His Accounts With $2000 Fees!
not the actual photo

'Close all of your accounts? Sure thing!?'

This MC comes from my time working at a bank, in their contact centre.

I literally have hundreds of stories about that place and its customer’s,

but today I’d like to share a story that has always bought a smile to

many a suffering customer service co-worker’s face about the time we got one back for the good guys.

Backstory: I was employed as Customer Service Officer. I’d been with the bank for about 18 months at this point,

mostly working afternoon shifts, but recently the bank had moved to a 24 hour customer service model,

so while most of the bank would be closed (Head office, Complaints, Credit etc) — we were still open.

Cast: Me, Night Manager, Customer, Head of Customer Relations and Retentions

Let me set the scene: ~10pm, midweek, fluorescent lights flicker overhead, the call board empty

and I’m literally counting the seconds left in my shift, ready to go home. phone call pops onto my screen.

I think ‘S__t! I always get a call just before I finish.'

Me (mustering my best customer service voice): “Hi, thanks for calling (bank), you’re speaking with u/Absurd-n-Nihilistic, how can I help you?”.

I hear nothing but dead air, so I start to repeat myself. “Hi, you’re speaking wi—“

When I hear the tone of voice and words every contact centre worker has heard at some point. It just lets you know you’re in for a great call (not!).

Customer: loud sigh “Yes! I’m here! God, what takes YOU people so long to answer?! What are you doing?”

As noted before, there was no calls on the board, this customer didn’t wait in queue.

He would have dialled, gone through to the IVR to enter his customer number and pin before being put through to me. Max 60 seconds.

Me (trying to not provoke any further and get this customer off the phone as quickly as I can so I can go home)

“Oh, I’m sorry about that. Our system doesn’t show a queue, but I’m sorry that you had to wait. What can I do for you this evening?”

Customer seems to settle down and starts explaining that the reason for the call was the interest charges on the most recent credit card bill.

He was sure they were a mistake because “I always pay my bills on time” and “I don’t like paying you blood suckers any more than I have to”.

Charming, I know. So I place him on hold to look at his account.

I started looking at the payment history, when payments were due/received, what the balances were etc.

Then, I quickly looked at the customer’s interaction notes. This is where the bank records any contact with the customer

as well as, any fee waivers, special interest rates etc. and I see an interesting series of notes from colleagues of mine stating things like

“customer advised interest was charged due to full payment not received by due date.

Customer threatened to close all accounts with bank. Manager approved interest waiver”.

Notes like this went on for months, until there was a note from the head of customer relations and retentions stating,

“if customer threatens to close accounts to seek waiver of fees, interest or other charges, please process immediately. No retention authorised”

I was a bit shocked because usually the bank would do a lot to keep existing customers, like they told us in training,

‘it’s cheaper to keep a customer, than it’s to gain a new one’. So I call over my night manager to read the notes

and give him a heads up I’ve got a feeling the customer is going to be demanding another interest waiver.

My cool night manager said “well if he does, do what the note says.” Total hold time: maybe 2 minutes.

I take the customer off hold and thank him for waiting.

Customer: “About time! My time is very valuable, you know. So have you fixed it yet?”

I start explaining that the interest charges are valid because he didn’t pay off his balance before the due date. He goes ballistic!

He starts calling me every conceivable name under the sun and mid sentence stops, he plays it like he’s just had an idea “fine.

If the interest charges are valid, I’m going to close my accounts. I want to close my accounts with you now!”

At this point, I’m excited about putting him in his place but I also want to cover my ass, so I ask:

Me: “So, just to be certain. You are instructing me to close all of your accounts with us,

including your credit card, savings account and transactional account?”

Customer: “Are you stupid? That’s what I said!”. Lady’s and Gentlemen: We got him!

Me (Grinning my a** off): “Okay, no problems. I’ll just place you on hold to do that for you.”

I hit the hold button fast just as I heard him say “no I—“

With my night manager’s help we close his accounts.

His savings account was a term deposit so by breaking the term early he had to pay an early access fee of 10% of the balance.

We used the money in his transactional account to cover the outstanding balance in his credit card (including the interest

and sent a request for a cheque to be issued for the remaining money. I took the customer off hold.

Me: “Again thank you for your patience. As requested your accounts are now closed. Was there anything else I can help with tonight?”

If I thought the customer went ballistic before, oh boy!

There was talk of suing the bank, suing me, suing my night manager, suing head of customer relations and retentions.

That we were guilty of discrimination. That I didn’t have the authority to do what I did.

He’s going to call the police. We’re thieves. Some other ways of telling me how useless I am and how I can k__l myself. You get the picture.

Me (still smiling because I know I nor anyone else at my bank will have to deal with this a__hole again):

“sir I understand you are upset. However, on a recorded phone call you instructed me to close your accounts.

I’ve complied with your wishes. As there is nothing else for us to speak about tonight.

Thank you for calling (bank) have a good night!” And hung up on him before he could say another word.

My night manager created a incident report and sent it to head of customer relations and retentions with an attached copy of the call recording.

I later found out head of customer relations and retentions sent the customer a letter telling him

he was banned from our bank for life due to the “vile and disgusting” way he had spoken to me!

We would never do business with him ever again and if he called or visited a branch, we would be the ones calling the police.

Do you want to know what the total interest charges were that started all this? ~$30.

His term deposit had $20,000 in it. He cost himself $2000 in early exit fees because he thought he could bully his way out of ~$30 in interest.

Edit: Wow! Thank you to everyone, the response has been amazing. My god! Thank you for the Gold and Silver!

I just wanted to blanket answer some questions/assumptions made in the comments.

1. I’m Australian, not American. Our banking laws/code of practice/terminology are a bit different.

2. Normally no, I wouldn’t close an account or a suite of accounts. That’s something customer relations and retentions would do,

but it was outside of their hours of operation and with the note from the head of the department stating not to retain the customer,

I was authorised in the situation to close the accounts. I needed my manager to approve the closures with his RSA passkey.

3. If you close an account with any bank and you owe the bank money best believe,

if you have another account with money in it with the same bank,

you have authorised them to use those funds to clear your debt. Check your terms and conditions.

4. I can’t remember why the exit fees on the term deposit came out of the principal balance rather than the interest earned.

I do remember if the bank created a tailored term deposit for a customer (usually an unusual length of term,

a higher interest rate or pays interest before term) it can come with added conditions from the bank.

I’m guessing that’s what happened in this case.

5. I say “long time lurker” because I’ve read Reddit stories for years without an account and finally created one to contribute instead of just consume.

6. I’ve removed a lot of the acronyms seeing as it annoys sooo many of you.

7. Thank you everyone for suggesting I should cross post this to other subreddits.

Customer service is one of those roles where, no matter how hard you try, some people seem determined to make your job as difficult as possible. But then, there are moments when you get to turn the tables in the most satisfying way.

This story, shared by an ex-bank customer service officer, is a classic example of just that. A customer, expecting to bully his way into a waiver for a small interest charge, ends up losing everything quite literally.

But it’s not just about the customer getting what he deserved; it’s about the emotional rollercoaster of the employees involved, and how they used the tools at their disposal to give the customer exactly what he asked for and more.

Emotionally, this situation is rooted in the frustration and tension that often arise in customer service. The customer’s initial assumption that he could threaten to close his accounts and get what he wanted is indicative of the entitlement many service workers face.

As the story unfolds, the customer’s demand for special treatment after being disrespectful feels less like a negotiating tactic and more like a power play. But when the customer finally insists on closing his accounts, the employees cleverly (and calmly) let him do exactly that.

The sense of justice in this situation isn’t just about getting back at an abusive customer. It’s about the emotional relief of standing your ground, knowing that you’re no longer a target for manipulation.

According to Missive, dealing with disrespectful customers can lead to emotional burnout, but using humor or creativity in those moments allows employees to regain a sense of control and emotional satisfaction.

This is exactly what happened here. The customer’s manipulative tactics were countered not with aggression, but with a strategic, measured response that turned the situation to the employees’ favor.

In this case, the bank employee’s handling of the situation allowed them to maintain composure while turning the tables on the entitled customer. It wasn’t just about closing accounts; it was a symbolic act of reclaiming power.

So, when you work in customer service, your patience may be tested, but if you can manage to stand firm and use the system to your advantage, you can walk away with the last laugh.

How would you respond if you were in this situation? Would you have closed the accounts or found another way to resolve the conflict?

Here’s what the community had to contribute:

This group applauded the clever, satisfying “punishments” for customers who tried to manipulate or abuse service workers

Cryptorix − That's a hilarious story! I especially love how you hit the hold button extra quickly, so he couldn't backtrack anymore.

But he absolutely deserved it. People who insult CSOs are jerks. And I am glad to hear NM and HCRR were on your side.

You hear many stories in which some ignorant upper management guy decides to overlook the most unacceptable customer transgressions, because "the customer is always right".

CatheterZetaJones − YES YES YES YES YES YES! Best punishment ever. Especially with the check being issued for the remainder.

Now the ex-customer has no access to the funds until the check shows up in the mail.

These commenters empathized with customer service workers, appreciating the clever ways they navigated difficult situations

annaisaak − I’ve worked in the banking industry for over ten years. This gave me SUCH GREAT JOY!

I used to work for Washington mutual years ago, and was allowed to say a lot more than you’re allowed to now.

Customer: what do you mean you need to see my ID? I’ve been a customer for 25 years!

Me: would you like me to put a note on your account requesting we refrain from checking ID for all withdrawal requests?

Customer: no, don’t be ridiculous Me: Then let’s see it, ma’am

PN_Guin − That guy really had it coming. It is also a good reminder not to issue threats,

you are not prepared to follow through (and not to be an a__hole).

These users focused on the systemic issues behind poor customer behavior

ClandestineBear − The whole "used his transactional account to cover his outstanding balance on his credit card"...

let's just pause to appreciate all the checks being returned for NSF or"Closed Account".

Woooosh, there goes another one. Gonna cost him way more than that 2k when the dust settles.

insanityOS − This is the kind of nightmare that keeps me from being an a__hole to anyone with a service-oriented job...

Well, that and not being a s__tty human being in general

INITMalcanis − People who think that they can use the poor guy trying to help them as a verbal punchbag

because they think they can't be punched back are scum. I enjoyed reading that a lot, and I hope that he takes his $2000 lesson to heart.

This group empathized with the service workers and pointed out the systemic issues that allow customers to abuse employees

IntelligentLake − Good you got rid of the problem customer, but the real problem is still there, which is your management,

who teach customers like him the bad behaviour to get advantages over nice customers.

Kazumadesu76 − I've read a lot of MC stories, but this has BY FAR been my favorite one to read.

This customer had it coming, and I would have done the exact same thing if I had been in OP's shoes.

Great job! You should definitely post more stories.

faiora − This reminds me of when I closed my internet service account.

I called because my building had a special deal posted if paid for the whole year up front,

and I’d been vaguely annoyed for a while that my sister was paying less than me from the same ISP for better service.

I thought I’d see if they could give me the posted deal on a month-to-month basis

(we rent and weren’t sure at the time if we’d be here another year).

But my plan had also just jumped up after another promo rate ended and they had told me I could call

and renew the rate I already had after 6 months, so I figured if all else failed, no problem, I would just do that.

I had a friendly chat with the customer service rep and he said he couldn’t do the special deal at all by himself

because it’s not one of their regular ones, so he’d transfer me to a customer retention rep. No problem. Queue customer retention rep.

He can’t do what I was hoping for so I ask if I can renew my current plan instead as I’f been promised.

But he has a special deal for me: instead of paying $35 per month like I have been,

he’s authorized to offer me 6 months for only $246! Great savings according to him!

He actually quoted me some random amount of savings too, like “you’ll save $48” or something.

This was years ago and I don’t remember his exact phrasing (or the exact values, these are all examples) but he was telling me an outright lie.

I confirmed the monthly amount with him, then basically said “you’re telling me that your $41/mo plan is cheaper than my $35/mo plan."

I was so angry he would lie outright in an attempt to trick me into a more expensive plan that I closed my account on the spot.

The part that reminded me was OP’s “just to confirm, you’d like to close all your accounts.”

This guy put me on hold for nearly 40 minutes. I threw it on speakerphone in the background, fully aware he was doing it out of spite.

Doesn’t matter, I found a better ISP that doesn't force me to call in every six months for a decent rate, so I won.

These users provided practical insights, discussing the legitimacy of the situation

Angry_Retail_Banker − To everyone questioning this story's validity, you all bring up good points.

However, from someone who spent over 10 years in the branches in the United States,

I can tell you that this story sounds a lot more legit than you believe: ​

1) Regarding that CD penalty rate: I don't know much about Australian term deposits,

but with US Certificates of Deposit, that's not quite as crazy as you'd think.

It IS a bit high for American standards, but the concept behind it is the same. It depends on the Annual Percentage Yield and the term.

A 5 year CD, for example, might have something like 3 years' interest as a penalty.

The interest is forfeited and then the principal is eaten into to cover the rest.

For those saying that CDs in the United States are guaranteed and that you would only forfeit interest, that is simply not true.

2) Regaring disclosures and dissent: This one is a bit of a grey area.

People are saying that the customer in this story has grounds to sue the bank

because the employee never read the disclosures regarding fees and because the employee clearly heard

the customer withdraw consent for the accounts to be closed. And this skepticism is not unfounded.

However, the customer's standing to sue, as far as I can tell, may not be as strong as everyone imagines.

First, consent. On a recorded line, assuming the OP's story is true, the customer would have given explicit instructions and authorization

for the representative to close all accounts. And not just once, but on a minimum of two separate occasions.

A "no I--" may not simply be enough to override this, especially if the employee can maintain that he didn't catch the customer saying that.

Especially if the customer is using a ton of extraneous verbiage in his answers

(when the OP confirmed the customer's instructions to close the accounts, the customer's reply was “Are you stupid? That’s what I said!”.

It's not unreasonable for the employee and the bank to argue that they were legitimately unaware that the customer was withdrawing his consent).

As far as disclosures go, that's a tough one. Disclosures are supposed to be read in situations regarding account closures,

and that apparently wasn't done here.

That said--and I'm no lawyer--the bank might be able to make the argument that it would have been improper for the employee

to have engaged the customer further given the intense verbal abuse he was enduring.

Between that and the multiple instructions from the customer to close the accounts,

and it could fairly reasonably be argued that this customer understood and accepted all risks and consequences of the closures.

If I were a judge or jury in a case like this, I would accept this line of reasoning from the bank as reasonable. And ultimately, it may not have...

Given the manner in which the customer was allegedly abusing a bank employee,

virtually every bank in America would fully close these accounts and permanently end the customer relationship.

Trust me, I've witnessed this personally. If you curse out an employee, most managers WILL have all your accounts closed.

Yes, branch managers do have that authority, and I imagine the call center managers do too.

​ So all in all, is this a true story? No idea, I wasn't there. But it sounds plausible enough and, more importantly, it's cathartic.

So enjoy! I left my own story after reading this.

Do you think the OP did the right thing, or did the customer have a point? Share your thoughts below, let’s hear your hot takes on this one!

Layla Bui

Layla Bui

Hi, I’m Layla Bui. I’m a lifestyle and culture writer for Daily Highlight. Living in Los Angeles gives me endless energy and stories to share. I believe words have the power to question the world around us. Through my writing, I explore themes of wellness, belonging, and social pressure, the quiet struggles that shape so many of our lives.

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