2. They allowed him to spend an extra $500 beyond a $0 balance, putting his account into #overdraft, when the account had no overdraft facility.
Double check if you or anyone you know has kids!
When the bank goes into maintenance overnight or on weekends, they automatically allow pre authorization by Visa on all transactions, regardless of size. If the purchase is pre authorized, the bank refuses to cancel the payment, and will forcefully honor the purchase, pushing the account into overdraft. Confirmed by the bank verbally.