If a fee just hit your account, keep it simple. Say: Hi, I saw a fee on my account and I would like to ask for a one time courtesy waiver. I have been a customer for a while, I am asking politely, and I would appreciate any help you can give me. If they ask what happened, give one short, calm sentence and do not over explain. Then ask this follow up question: What can I do to avoid this fee happening again?
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