Ever get to thinking that bank and credit card company employees just randomly peruse their client's accounts, pick one, and buy shit they want? I do. That's why I'm unbanked and will remain so.
I'm sure it happens.
Along with them "accidentally" charging millions of people an extra dollar or something in fees, knowing most people won't notice it, and of the fre who notice, few of them will sit on hold for an hour to get one dollar refunded.