John got his account back in black after Wells Fargo had him paying for his rent twice and hit him with nine overdraft fees. He put a stop payment on his electronic check and wrote a paper one instead, but both went through and he was in the red. When he went to customer service, they would only refund some of the fees. Quivering with rage, he steeled himself and emailed the CEO and CFO. The next time he called back customer service, they reversed all the charges. Shazam!