Here's an example of typical Buenos Aires customer service. So I have a bank account at Banco Patagonia, savings and checking (which stupidly have the same exact account number). I never use the checking account so of course I don't keep any money in it. I only use the savings account since I have a separate checking account for my business and never use personal checks. So for their monthly maintenance fee which is an outrageous $74 pesos per month PLUS 21% IVA, they debit my checking account which has $0 funds. Since instead of debiting my savings account which has at least $3000 pesos they debit my checking account which has $0 funds, and of course, this sends me into an overdraft fee, plus interest & penalties, and all plus 21% IVA and debit tax of (0,06%). I go to the branch and ask them why this is being done and of course get told they are going to look into it and get back to me. Days pass no contact of course and I go back and ask what is going on and they tell me that I have to keep money in the checking account. I tell them that the savings and checking account have the SAME account number and of course they look at me like I am an idiot. I demand that 1) they refund me all charges, 2) they they DO NOT debit my checking account for this fee and only debit my savings account. So what happens, the next month the same old thing, debit for $74 pesos +IVA plus taxes and penalties for overdraft once again.
So I request the "libro de quejas" which of course the manager gets pissed about (since it gets reviewed by management OUTSIDE of the bank branch) and an attitude because I want to file a formal complaint. He says nobody complains about this and they just pay it. And I tell him that I am not used to getting ROBBED and will not allow this to continue. So I write a detalied explanation about what is going on and a few days later I get a call from the central customer service unit, and after going around and around with a pleasant but DUMB person on the phone, I am told they will refund all of the charges and from now on debit my savings account only for the monthly maintenance fee. I also demand that they credit me 6 months worth of monthly maintenance fees for my trouble and am later offered 3 months credit. I also demand that they send me in writing that they will NO LONGER debit my checking account for any fees, which they did send me 2 MONTHS after this whole problem. Now of course when I go into the bank branch, nobody even looks at me, says hello or anything, and my shop is right on the same block and these bank employees don't come in anymore to buy anything (which I couldn't care less about, but demonstrates their level of maturity) The people in the branch I am talking about are the actual manager and account executives, they are the snotty jerks that act like this. The bank tellers were always and continue to be pleasant. Lesson learned, RAISE YOUR VOICE AND COMPLAIN AND THEY HAVE TO CORRECT THEIR STUPID BEHAVIOR.
And by the way, I don't keep money in a checking account, because there is a tax called "impuesto al debito/credito" which amounts to 1,6% for any funds deposited or withdrawn from a checking account.