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    Category: Money

    The Bank Appreciates Your Donation, Part 2

    | Shoreview, MN, USA | Money

    (I work in the personnel assistance phone queue. Basically, it means I take escalated calls from angry customers.)

    Customer: “My deposit is missing.”

    Me: “Okay, was it a branch deposit or an ATM deposit?”

    Customer: “I went through the drive-through at your bank branch and made my deposit. It’s not in my flipping account yet and I need it now!”

    Me: “Okay, I’d be happy to take a look at it. What’s your account number?”

    Customer: “Well, I don’t have an account with your bank…”

    Related:
    The Bank Appreciates Your Donation

    All Or Nothing Or Nothing At All

    | United Kingdom | Money

    (I work in a pound shop, which is the UK equivalent of a 99 cent store in the US. Everything in the store costs one pound.)

    Customer: “How much it this?”

    Me: “It’s a pound. Everything costs one pound.”

    (The customer walks away and returns two minutes later with a different item.)

    Customer: “How much is this?”

    Me: “That’s a pound, too.”

    Customer: “Sorry to keep asking, but you don’t seem to have any prices on anything.”

    Me: “Everything in this store costs one pound.”

    (The customer walks away and returns a few minutes later with yet another different item.)

    Customer: “What about this?”

    Me: “That’s a pound. They’re all a pound.”

    Customer: “Why isn’t anything labeled in this store? You’re all so lazy!”

    2 Good 2 Be True, Part 2

    | Florida, USA | Money

    (I work at a check cashing store and one of our biggest products is money orders. We advertise on TV and in huge signs all over the store that we sell free money orders. An old lady comes up to the counter one day and reads off a list of eleven money orders for various amounts totaling almost $2,500. After reading back and confirming, I go to get payment from her.)

    Me: “All right, your total comes to $2,498.”

    Customer: “Right.”

    (She doesn’t do anything.)

    Me: “Ma’am? It’s going to be $2,498 for those money orders.”

    Customer: “Right.”

    (She just stares at me.)

    Me: “Okay, I need $2,498 from you.”

    Customer: “But your sign says free money orders!”

    Me: “Well, yes, we don’t charge for them, but–”

    Customer: “They are supposed to be free!”

    (I haven’t been at this job very long, so my manager hears the customer yelling and comes to see what’s going on.)

    Manager: “Ma’am, what’s wrong?”

    Customer: “He wants me to pay for my money orders!”

    Manager: “Ma’am, money orders are always free, but–”

    Customer: “Exactly! So, I want my money orders!”

    Manager: “Ma’am, you still have to pay for them. We’re not just going to give you over two thousand dollars worth of money orders for free.”

    Customer: “Well, I don’t see why they advertise free money orders if they’re not free.”

    Related:
    2 Good 2 Be True

    In Need Financial Coaching

    | Tampa, FL, USA | Money

    Member: “Can you refund the overdraft fee you guys charged me? I’m a struggling single mother and my kids won’t be able to eat tonight unless you refund that. Do you want my children to starve?”

    Me: “I will be happy to look into that for you. Was the most recent transaction fraudulent or otherwise improper?”

    Member: “No.”

    (I look at the account to see that she has overdrafted her account due to a $300 purchase at the Coach Outlet. Not exactly a prudent purchase for a struggling single mother.)

    Me: “I’m sorry, but I will not be able to refund that fee for you at this time.”

    Member: “My children are going to go to bed hungry tonight! I hope you sleep well tonight with that on your mind!” *hangs up*

    Out Of Sight, Out Of Mind, Part 2

    | Ohio, USA | Money

    (This customer’s account has been overdrawn for over a month. This is due to several ATM withdrawals when she didn’t have the money in her account.)

    Customer: “You need to refund these overdraft fees because you never notified me that I was overdrawn.”

    Me: “According to the notes on your account, you called us every time before you made a withdrawal. Every time, a rep told you that you’d get a fee if you didn’t make a deposit to cover it the following day.”

    Customer: “Nope, you never informed me of any fees. Yeah, I took $500 I didn’t have in the account, but I shouldn’t get fees because you never notified me of any fees. Refund them now!”

    Me: “We also called you every day over the past month. We sent you a text and email alert every day. We also sent you 10 letters letting you know that your account is overdrawn. You will continue to get fees until you deposit enough money to cover the negative balance.”

    Customer: “I throw away all my mail from you because I think it’s junk. I don’t check my email and I ignore your texts, so it’s not my fault that I didn’t know I was getting fees. Refund them now, because I wasn’t notified of the fees!”

    Me: “Yeah, no. That’s not going to happen.”

    Customer: “But you never notified me!”

    Related:
    Out Of Sight, Out Of Mind


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