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    This Is Why We’re In A Recession, Part 5

    | Ottawa, ON, Canada | Money

    Me: “Hi! How can I help you today?”

    Customer: “I deposited a cheque in your ATM and wanted cash back, but it won’t let me. I need that money!”

    Me: “Alright, let me just pull up your file.”

    (I find her in the system and see the deposit’s held as she’s overdue on her credit card payments by several months, which caused her accounts to freeze.)

    Me: “Your deposit was definitely completed and is in your account, but unfortunately I cannot give you any cash as your accounts are frozen.”

    Customer:”What! No! They can’t do that! That’s my money!”

    Me: “Well yes, they can, because you haven’t made a single credit card payment in months.”

    Customer: “So?”

    Me: “So, you need to pay it back.”

    Customer: “I have to pay? Why?”

    Me: *blinks* “You didn’t know you had to pay it back?”

    Customer: “No one told me!”

    Me: “Miss, it’s a credit product, meaning you’re borrowing money from us. We don’t give money away. After you borrow the money, you’re expected to pay it back. All of it’s explained in your Card Agreement.”

    Customer: *stares blankly at me*

    Me: “The agreement you would’ve received in the mail along with your card.”

    Customer: “That sheet full of ‘garbledygook’ that no one ever reads?”

    Me: “Just because you didn’t read it doesn’t mean you’re exempt. By using the card, that means you agree to the terms associated with the card.”

    Customer: “But I need my money! They can’t do that, it’s my money! I got no job, I have no money!”

    Me: “Don’t worry, I’ll call them and speak with someone for you. We’ll figure out a solution together based on your current situation, okay?”

    (I call them and discuss with the rep, then they ask to speak to the customer. I hand the phone over, and within seconds she starts yelling.)

    Customer: "GIVE ME MY MONEY! You can’t do this! No one told me I have to pay!"

    (She slams down the phone, storms off while shouting "They won’t give me my money!" to random people on the way out.)

    Related:
    This Is Why We’re In A Recession, Part 4
    This Is Why We’re In A Recession, Part 3
    This Is Why We’re In A Recession, Part 2
    This Is Why We’re In A Recession