Dear [Recipient's Name], I am writing to inform you that there has been an issue with the recent transaction made using my account with your esteemed bank. Unfortunately, due to insufficient funds, the transaction was not completed successfully. Houston Texas Sample Letter for Insufficient Funds First and foremost, I would like to express my sincerest apologies for any inconvenience this may have caused. As a valued customer of your bank, I fully understand my responsibility in maintaining sufficient funds in my account to cover all transactions. I take this matter seriously and assure you that I am taking immediate steps to rectify the situation and prevent any recurrence in the future. Upon reviewing my account, I have identified the cause of this unfortunate incident and would like to provide you with the necessary information for your records. The transaction in question took place on [specific date] at [location/store name] in Houston, Texas. It is essential for me to mention that this occurrence is an isolated incident and not a reflection of my usual financial management. I have a consistent history of maintaining a positive balance in my account and promptly settling any outstanding dues. I understand the importance of financial responsibility and assure you that I have already taken the necessary steps to rectify this situation. As a solution, I have transferred the required funds to my account, ensuring that it is now in good standing. Consequently, I kindly request your understanding in this matter and request that you waive any associated fees or penalties that may have been imposed as a result of this oversight. I have always been a responsible customer, and I hope this incident is seen as an anomaly. In conclusion, I apologize once again for any inconvenience caused by the insufficient funds in my account. I remain committed to maintaining a positive banking relationship with your esteemed institution and assure you that I have learned from this experience. You're understanding and favorable consideration regarding the associated fees or penalties in this matter would be greatly appreciated. Thank you for your attention to this matter, and I look forward to your prompt response. Sincerely, [Your Name] [Your Account Number] [Your Contact Information]