10 Reasons Why Customers Should Not Be Trusted With Their Own Money

| | Right | March 5, 2016
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1. They spend money they haven’t got.

 

The following are all stories from Not Always Right that demonstrate the stupidity of customers who should never have been allowed to have a bank account:

 

Me: “Your total is $**.**.”

(The customer hands me card, I run it and hand it back to her.)

Customer: “Oh, no! That’s my debit card! I don’t have any money in my account. It’s going to be declined.”

Me: “Well, your purchase went through.”

Customer: “Oh, well, if it went through, that means I have enough money in my account.”

Me: “Well, not necessarily. My brother got himself into a lot of debt by using his cards after he’d reached his limit.”

Customer: “You mean I could still use this card even if there’s no money in the account?”

Me: “It’s possible, but I’m not familiar with your bank system.”

Customer: *to friend* “Do you want to go to the nail salon?”

Original Story

2. They significantly underestimate the cost of things (or they’re just really bad at math).

 

 

Me: “Your total is $152.37.”

(Customer begins to write out a deposit slip from the back of her chequebook.)

Me: “That’s a deposit slip, not a cheque.”

Customer: “Oh, so I can’t pay you with this?” *confused look*

Me: “No.”

Customer: “Oh, well take it out of this then.” *hands me a roll of cash* “But don’t take more that $75 out of there.”

Me: *takes $75 out of roll* “And how would you like to pay for the rest of this?”

Customer: “Umm…” *confused look* “I have to pay more?”

Original Story

3. They don’t understand how change works.

 

Me: “Hello, what can I get for you?”

Customer: “Yeah, can I get a piece of candy?”

Me:  “Sure, that’s one dollar.”

Customer:  “Oh. I only have a five.” *starts walking away*

Me: “Excuse me, Ma’am? I said it’s only a dollar.”

Customer: “I know. Why would I waste four dollars?”

Original Story

4. Or credit cards, for that matter… 

 

 

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.)

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5. They’re shocked when they’re made responsible for their own money, and even more shocked when it comes back to bite them in the a$$.

 

Customer: “Wait, that’s only supposed to be twenty dollars cheaper.”

Me: “Yes sir, that’s after the mail-in rebate. You have to send in the paperwork and proof of purchase.”

Customer: “Well why don’t you give me the discount now and send in the rebate yourself?”

Me: “No, that’s not how this works. You are responsible for sending in the rebate yourself.”

Customer: “You mean you’re making me responsible for my own money?”

Original Story

6. Bad money is a worldwide thing.

 

(From the UK:)

Me: “Hello, sir. Would you like to make a donation to Children In Need?”

Customer: *in a heavy American accent* “Say what?”

Me: “I’m sorry, sir, I wasn’t aware you were from out of the country. Children In Need is a charity that collects money for projects working with children in the UK. It runs an appeal about this time every year. Would you maybe like to make a donation?”

Customer: “Like f*** I would! It’s you and your poor, hobo kids that got us and the whole f***ing world into this d*** recession!”

Me: “I’m sorry, sir, but the recession actually began when the US housing bubble burst. American banks gave out too many loans that couldn’t be repaid, and the government had to bail the banks out. That was because they traded the debt they had to banks overseas, since most were American owned companies.”

Customer: *silence*

Me: “Would you like to make a donation?”

(The customer reaches into his pocket, and drops some change into the bucket.)

Original Story

7. They just make it soooooo easy to commit fraud.

 

 

Caller: “Hi, I saw a car online and wanted some info on it.”

Me: “Sure, let me tell you all about it. Do you have a pen?”

Caller: “Yeah, 4351.”

Me: “What’s that?”

Caller: “My PIN.”

Me: “To your bank account?!”

Original Story

8. Standard banking processes continue to elude them.

 

(A customer is paying her credit card bill.)

Me: “Would you like to pay with cash, check, or debit card?”

Customer: “I can pay with a debit card?”

Me: “You sure can.”

(The customer slides her card.)

Customer: “I don’t remember my pin. I’ll just try one.”

(The customer’s card is declined.)

Me: “Do you want to try again?”

Customer: “No, my mom will use her card.”

(The customer’s mother tries, but she doesn’t remember her PIN either.)

Me: “You can pay with cash or a check.”

(The customer pulls a folded check from her pocket and hands it to me. I open it to see that it’s blank.)

Me: “Um…”

Customer: “Oh, am I supposed to fill that out?”

Original Story

9. Sometimes their stupidity makes you wonder how they got Credit in the first place.

 

(I am taking a delivery order.)

Me: “And how will you be paying tonight? Cash or credit?”

Caller: “Credit.”

Me: “What type of card is it?”

(The caller states the name of her bank.)

Me: “No, ma’am. I meant is it a Visa, MasterCard?”

Caller: “Oh, Visa.”

Me: “The number?”

Caller: “What number do you want?”

Me: “The big one on the front.”

Caller: “Oh, really. All of it?”

(She provides twelve numbers.)

Me: “I need four more numbers.”

Caller: “Oh, sorry. I didn’t see them there. 1234.”

Me: “Okay. And the expiration date?”

Caller: “Where do you find that?”

Me: “The bottom right corner.”

(A few seconds of silence pass.)

Caller, talking to someone else: “Find the expiration date for me.”

(She finally finds it and gives it to me. I arrive with her order, and hand her the credit card receipt. She turns to her friend, and hands it to her.)

Caller, to her friend: “Sign this for me. I don’t know how.”

Original Story

10. They’ll take the money without knowing where it comes from…

 

Me: “That will be [total].”

Customer: “Okay.”

(The customer puts in their debit card.)

Me: “Would you like cash-back?”

Customer: “Yes. I would like £10, please.”

Me: “Okay. Enter your pin, please.”

(The customer enters his pin. We wait for it to be verified.)

Customer: “I have a question. What is cash-back?”

Original Story

 

 

Like this list? Are you left shocked by some customers’ attitude to money? Share it with your friends!

 

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