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A Fee-ble Excuse For A Refund, Part 2

, , , , , | Right | January 6, 2021

Customer: “Hi, I wanted to know why my account is overdrawn.”

Me: “Sure, let me take a look at your account to see what’s going on.”

I look at the recent transactions and notice that the customer has recently done a lot of shopping at the mall.

Me: “Ma’am, it appears that there were a few recent transactions at the mall that caused your negative balance. I’d like to go over these transactions to make sure they’re not fraudulent.”

I then go over all of the transactions.

Customer: “Yes, those are all transactions I completed. Your online banking should have told me I didn’t have enough money. I want a refund!”

Me: “Ma’am, you are responsible for keeping track of your balances and transactions, as our online banking can only show you what the merchants send through to us. Sometimes transactions from certain merchants do not show up immediately.”

Customer: “You overcharged me! I want a refund!”

Worried that I overlooked an overdraft fee or other fee, I double-check the account.

Me: “Ma’am, I do not see that we charged you any fees for those transactions. Since they were debit card transactions, we do not charge overdraft fees for them.”

Customer: “Your online banking told me the wrong balance! I want you to compensate me!”

Me: “Ma’am, we cannot compensate you for anything as we did not charge you any fees. Again, you are responsible for keeping track of your balances and transactions. You are simply overdrawn and will either need to deposit funds to correct the negative balance or return some of the merchandise you’ve purchased. We have not charged you any fees and you will not incur any future fees unless a check or electronic payment attempts to come through.”


I contact the manager’s line and explain the situation.

Manager: *Laughs* “Yeah, there’s nothing we can compensate her for if we didn’t charge her fees. I’ll handle it.”

A Fee-ble Excuse For A Refund