What do you think of this letter?

have seen this several times. yes, the banks do withdraws before deposits so I decided to have what the bank called " overdraft protection " placed on my checking account. worked fine until I retired and no longer have any banking account. however, you might find this amusing. I had an equity line of credit on my home of which there was a $50.00 annual fee. I sold my home and paid everything off at the Savings and Loan. then I retired and moved out of town. after moving I received a bill for the $50.00 equity Line of Credit fee. so a letter had to be written to cancel this transaction -- after I had already canceled it before I left. sometimes one wonders ???