Something like 10 years ago, a Spanish bank charged me 25€ after I didn't notice a 0.10€ overdraft... but it just happened that I had stopped using that bank, my cards expired, lost online access, so when I finally went to ask about closing the account in person like 5 years later, it had ballooned to over 400€ in the red. The cashier went all aggro on me, even got from behind the counter to shove the statement directly into my face, looked like was going to punch me or something.

I just left and didn't feel like returning, had no reason to deal with them, so kind of YOLOed it. Then some regulations changed, the bank got "rebranded" (went under and got bought under a similar name)... until last year when I decided to check on things just in case... and it turned out that I'm not a client anymore. Suits me 🤷