I share my brothers prime, so I havent personally had it since this incident:
Prime I cancelled prime before it was to renew. When it renewed - they charged me the $99 and I had just paid my rent and in that window didnt have the $99 in the account when the prime renewed (that I had previously canceled)
I was hit with a $25 overdraft fee when prime hit.
I called them, complained, got a refund for my prime account, and I charged them the $25 overdraft fee - AND I added that I wanted a $25 inconvenience fee for having to deal with all this - and they paid it
So I got the embarrassment of an over draft, but I got it refunded and I was able to get them to pay an inconvenience fee.