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    Category: Money

    This Is Why We’re In A Recession, Part 24

    | Chicago, IL, USA | Extra Stupid, Money

    (I get a call from a customer who is currently $50 overdrawn on her account.)

    Me: “Yes that is correct. Your account is overdrawn $50.”

    Caller: “What if I cashed one of my checks at the local currency exchange for $50, and came and deposited the cash to cover the overdraft?”

    Me: “Unfortunately you couldn’t do that, since that would bring your overdraft to $100.”

    Caller: “But the money will be coming from the currency exchange, not my bank account!”

    Me: “While the currency exchange is giving you the cash, that check will still be eventually drawn on your account here, thereby overdrawing you another $50.”

    Me: “But it’s NOT coming out of my account! It’ll be coming from the currency exchange, so I can cover my overdraft!”

    (Sadly, the conversation continues back and forth like this for several minutes until I simply tell her:)

    Me: “Whatever you do, DO NOT cash any more checks!”

    (This, she understands.)

    Related:
    This Is Why We’re In A Recession, Part 23
    This Is Why We’re In A Recession, Part 22
    This Is Why We’re In A Recession, Part 21
    This Is Why We’re In A Recession, Part 20
    This Is Why We’re In A Recession, Part 19
    This Is Why We’re In A Recession, Part 18
    This Is Why We’re In A Recession, Part 17
    This Is Why We’re In A Recession, Part 16
    This Is Why We’re In A Recession, Part 15
    This Is Why We’re In A Recession, Part 14
    This Is Why We’re In A Recession, Part 13
    This Is Why We’re In A Recession, Part 12

    Refunder Blunder, Part 3

    | CA, USA | At The Checkout, Extra Stupid, Money

    (I am working near the registers, but I am not currently on register. Our return policy is printed on every receipt in clear, bold lettering.)

    Customer: “Hey, I wanna return this CD and get all my money back.”

    Me: “Sure thing, just let me call someone over and they can help you out.”

    (I call my manager over to do the return and I go back to work.)

    Customer: “They had better give me all my money back, or I’ll cause trouble.”

    Manager: “What can I do for you today?”

    Customer: “I wanna return this CD and get all my money back. Here is the receipt.”

    Manager: “Alright, everything looks okay; can I see the item you want to return?”

    (The customer hands over an unwrapped CD case.)

    Manager: “I’m sorry, but I can only give you a refund on unopened merchandise. If the disk wasn’t playing I can replace it for you though.”

    Customer: “No, you’re gonna give me all my money back, or I’m gonna file a lawsuit.”

    Manager: “Go ahead and file a lawsuit. I don’t care. The return policy is on the receipt, and clearly says items must be unopened in their original packaging in order to be returned for a refund.”

    Customer: “No, it doesn’t say that. Where does it say that?” *looks at his receipt* “D***.” *walks out*

    Related:
    Refunder Blunder, Part 2
    Refunder Blunder

    Getting All Hancocked Over A Lincoln

    | GA, USA | At The Checkout, Money, Wild & Unruly

    (I am a rather short young man who has just paid for lunch that I am sharing with a friend. Upon taking my seat at the table, I realize that I have been given $5 extra change. I go back to the register to return the excess money. There is one other customer in line behind me.)

    Me: “Sorry to bother you again, but I just wanted to return the extra change I was given by mistake.”

    Cashier: “Really? Well that’s a first.”

    Me: “I’m sorry, but what is, ma’am?”

    Cashier: “Well, incorrect change is given out every now and then, and we always hear when it is short. However, we never get approached when we give too much.”

    Me: “You would think otherwise, wouldn’t you?”

    Cashier: “You’d be surprised. Unfortunately, when the register comes up short, we are either charged the difference out of our own pay or dismissed.”

    Me: “That’s terrible! Maybe if people knew jobs were at stake, they would be more honest.”

    (The customer in line has heard the whole thing and decides to speak up.)

    Customer: “Hey buddy. If you don’t want it, I’ll take it.”

    Me: “What?”

    Customer: “That $5 bill. I could use the money if you’re just giving it away.”

    Me: “I’m not giving it away. It’s their money; I was just given it by mistake. Did you not hear that she could lose her job?”

    Customer: “Look man, times are hard. People that actually have to work for their money need all of it they can get. We can’t all be spoiled brats like you!”

    Me: “I have a part-time job and go to college, so I work for what I have, too. Now I’m giving this money back to her, who it belongs to, not you. That is final!”

    Customer: “F*** you punk, and f*** that b**** too! If you won’t give it to me, I’ll take it along with all your front teeth!”

    (The customer is a full grown and muscular man, nearly twice my size. He grabs me by the arm and lifts me into the air. I see a swift motion in front of my face and brace for impact, but suddenly I feel myself dropped. The customer is cowering and holding his face. The cashier has sucker-punched him while he is holding on to me.)

    Me: “Thank you so much! I don’t know what I would have done without that!”

    Cashier: “No, thank you. If not for your honesty, I would have been fired. It’s the least I could do.”

    (The customer has recovered and quickly leaves. The manager comes over and is told the whole story.)

    Manager: “I’d like to offer you a free meal the next time you come.”

    Me: “I have to politely turn you down. I think the food is more than worth the price, and I’m happy to pay!”

    (I eat there regularly and have even become friends with the cashier. The best part is, because of this and her track record of great service, she later gets promoted to assistant manager!)

    To Give Credit Where Debit Is Due, Part 4

    | NC, USA | At The Checkout, Bad Behavior, Extra Stupid, Money

    (I am helping a customer with a return. Due to past misuses of the system, our registers are set to only do returns in the original payment method, or as a store gift card.)

    Me: “Alright, ma’am, this was done as debit. I can either put it on a gift card, or back onto the same card, if you have it on you.”

    Customer: “What? Debit’s the same as cash! Why can’t I get cash?”

    Me: “I apologize, but that’s our policy. We can only do it in the method it was originally done, or store credit.”

    Customer: “Well that’s just wrong. Debit is the same as cash! Everywhere!”

    Me: “I understand, and I am sorry, but these are the only options I’m allowed.”

    Customer: *handing me her card* “Well fine, put it back on the card.”

    Me: *as I slide the card* “It may take one or two business days to show back up. Here’s your copy of the return, and I hope you have a nice day.”

    Customer: *reading her return receipt* “Hey! It says credit on here! I paid debit!”

    Me: “Yes, ma’am. The system has to credit it back to your card. It looks a little weird, but the money is going back.”

    Customer: “If I use credit, I’ll be fined! My card doesn’t do credit! That first receipt said debit!”

    Me: “Yes, the original purchase is definitely debit. Ma’am, it’s not charging your card; it’s crediting money back. I don’t know your particular bank, but there’s never been an issue—”

    Customer: “What is your name? If there’s a problem, I want to know. And give me that original receipt back. It says debit.”

    Me: “I’m [Name]. Give me just a second to copy some info off this receipt onto the return, and you’ll have it right back.”

    (At this point, the customer is fed up, and leaves without waiting for her original receipt. I staple it to the return, and turn to help the next customer. Several days later, the same customer approaches me.)

    Customer: “Hi. I was in here a couple of days ago, and you were helping me with a return. I… just wanted to apologize for the way I treated you. I was having a bad day, and I shouldn’t have taken it out on you.”

    Me: “Oh! Thank you! I take it the return processed as it should?”

    Customer: “Yes. But even if it hadn’t, there’s no excuse for the way I was acting.”

    Me: “Well, thank you. Everyone has a bad day now and then.”

    (Her making a point to return and say sorry was such a pleasant surprise; it improved the whole rest of my shift.)

    Related:
    To Give Credit Where Debit Is Due, Part 3
    To Give Credit Where Debit Is Due, Part 2

    Has Not Registered The Lack Of Pockets

    | UK | At The Checkout, Liars & Scammers, Money, Theme Of The Month, Top

    (A customer brings some items to my register and I ring them up. The total is £5.50, and she hands me a £10 note. I’ve come across this scam many times, so rather than putting the customer’s money straight into the register, I always place it on top until the transaction is complete, and put it in the drawer at the last moment. It is summer, and I am wearing a light summer dress with no pockets.)

    Me: “Thanks, your change is £4.50, and here’s your receipt.”

    Customer: *staring at the money but not taking it* “I gave you a £20 note.”

    Me: “No, sorry, you paid with a £10 note. Your change is £4.50.”

    Customer: “No! I gave you a £20 note! You’re trying to short-change me!”

    Me: *smiling* “You gave me £10. This £10.” *I point at the note sitting on the register* “Your change is £4.50.”

    Customer: *red-faced and irate* “Get your manager!”

    (My manager is at a desk right behind me, and has heard everything.)

    Manager: “Can I help?”

    Customer: “She’s trying to steal my money! I gave her a £20, but she’s only giving me change for a £10!”

    Manager: *peering into my cash drawer* “Well, the drawer has two £5 notes, and about three £10 notes in it, but no £20 notes. Where exactly is the £20 note you paid with?”

    Customer: “Um… she must have pocketed it!”

    (The manager steps back, and makes a point of slowly looking up and down at my clearly pocketless outfit.)

    Manager: “Right… and where exactly would she have put it?”

    Customer: “Er…”

    Manager: “Right.” *to me* “Give her the change from the £10.”

    Me: “Here you go, £4.50!”

    Customer: “F*** you!”

    Manager: *to me* “I’ll make you a cup of tea. I think you need it.”

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