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Mine tricks people into signing up for "overdraft protection" (even the name is Orwellian!) with a story that it will save you from embarrassment at the grocery store if your card declines or something, and doesn't tell you anything about the $35 fees (and how they are completely silent so that you have no idea you are in the red until you actually remember to log in and check your balance, so it is very easy to overdraft several times and get nailed with a fee each time). I went online and turned it off once I figured it out, but that was years after I got my first bank account.
In 2009 or so, a little after Chase purchased my bank WaMu, they fucked up whatever data transfer the acquisition involved. My debit card ended up pegged to a backup savings account (with like $500 in it) rather than my chequing account (with $50,000 in it). This all happened completely silently, and obviously without my consent. I didn't find out until they finally declined a transaction - after charging me $350 in overdraft """protection""" (man, you're right, that is such an evil name) for around $50 in small purchases. Like you, I didn't even know it was on by default, because there was no chance I'd ever need it.
When I went in to, very angrily, get them to reverse this, they a) told me that it was too large an amount for the agent to easily refund, and b) still took the chance to upsell me on other services. Sigh. I think I finally got it through their stupid heads that they were about to lose a customer (and possibly get sued - not sure how practical that is for a mere $350, but I sure hope the system is set up so that banks can't simply steal money without consequences).
I can only imagine how poorly it goes when somebody who's barely scraping by gets screwed over by these people. The modern world is just too complex for humans.
The day before I went to move out to an apartment for the first time, my credit union creatively applied charges and deposits to drop me into the negatives, then charged me $35 per transaction. They functionally stole $1500 from me, and then raided my mother's and sister's accounts when mine ran out. Then stonewalled, insisting that there was just nothing they could do about it before I had to leave to be two hours away at college, now broke.
When I set up my daughter with her first account, I went on a very nasty rant about overdraft protection, right in front of the banker lady, until we clarified 10 different times that there was absolutely no overdraft "protections" set for her account.
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Why imagine? This happens every single day all over the western world. There are entire industries devoted specifically to screwing over the poor and struggling, and there's so much profit in payday loans and other loan-sharking behavior that criminal gangs fought violent conflicts over them in the not-so-distant past. It has been known as an incredibly pernicious social evil since at least the time of the old testament (see the biblical prohibitions on usury), and any society that cares for its people maintains those prohibitions because fucking over the lower classes like this is bad for the rest of society too - unethical exploiters get financially rewarded, and the desperate problems caused by the underclasses being in terrible financial situations leads to increased crime and anti-social behavior.
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