I have accounts in 3 banks and almost every other month Citibank hits me with a monthly service charge in error.
I call them and they immediately remove it and apologize, but I have to think they do it on purpose figuring they can steal millions from people who don’t notice or think they should be paying the fee when in fact they had an average balance which exempts them.
Citibank held a credit card payment that was sent seven days in advance of the due date (going within the state even). They credited one day after the due date. I called and raised heck, and they removed it. I later signed up for an Amex Card which was an extension on my Mastercard account (these give American Airline miles). I was assured that no fee was involved - that it was covered with the MasterCard fee. I get the first Amex statement, and it had a fee associated with the card. It was an outright lie. They fixed it after I got real ugly over the phone. Once I get my miles (reach my anniversary date for the next fee) - we will part company permanently.