my complaint

Below is the copy of a slightly altered-for-confidentiality letter I sent today to the doctor's office--I actually sent 2: 1 to the physician and 1 to the bank. I'm feeling whiney today . . . :-)

Dear Sir or Madam,
If you could please make sure this letter reaches the appropriate manager, I would appreciate it immensely. I am writing in response to my recent experience with overdraft charges for my xxxx Health Savings Account.
Due to the fact that your medical office chose to resend my payment check multiple times rather than contact me about the bill, I discovered yesterday that I had accrued $100.00 in overdraft charges. This, combined with the discovery that the bill itself was still pending, and that the office had not yet billed me for another charge my insurance had not covered led to a stressful day, to say the least.
After many phone calls to all parties involved, I am left with $300.00 in bills plus $100.00 in charges. And I am panicked. You see, this may not seem like a great amount of money to the average, say, physician. But to me—a newly unemployed and uninsured graduate student with bills and tuition to pay—it is huge. This means cutting car trips to save on gas, not buying groceries for the week, and stressing about finances when I need to be focusing my mental energy on term papers and assignments.
In short, I am simply a struggling student who had to voice my frustration to someone in authority. It bothers me that banks must rely on fees to people like me—those who do not have the funds to begin with. It disturbs me that talented and creative people all around are stifled—paralyzed—by basic needs, when they have energies that could be poured into life-giving songs, books, and artwork that would have been able to enrich the lives of others.
Thank you, finally, for your time, and for letting me voice my frustration—or at least, perhaps, imagine that I have done so.