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When most people think about innovation, they think of companies like Amazon, Facebook, Apple, and Google because those companies appear to have some kind of magic that other organizations lack.

Instead, customers say more and more frequently, such purchases are being approved and the customers are left with hefty overdraft fees. That means that into overdraft—overdraft the customer might not have asked for—is costing that customer an extra .They further allege that the banks use a number of unethical practices to push their accounts into overdraft, such as misrepresenting customers' account balances and reordering debits and credits to accounts.One tactic that banks are accused of using to increase their profits from overdraft fees is reordering transactions on accounts.That is held immediately for the merchant, but is not actually taken out of the account because the money has not yet been transferred to the merchant.The customer cannot access this money, but it is still, technically, in his account.

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