For ~4k-ish of overdraft fees assuming ~$40 per single overdraft, they'd have to have hundred-ish transactions, sounds like a lot transactions (or the overdraft fees getting exponentially bigger with each one?)

I was tooling around Europe for a few weeks before I left and was using my debit card everywhere. 1 euro coffee, beer here, beer there, it all added up. For whatever reason, the overseas transactions didn't clear as fast as a stateside one usually did. I imagine it was like a weeks worth of transactions. 12/day isn't really crazy when traveling but it's been so long, the only detail I really remember was the final blow.