Can’t Strip Off Any Charges

, , | Right | May 23, 2019

(I’m a personal banker. One of the tellers has just sent a customer over to my desk, as he’s insisting that his balance is lower than it should be. Note: I’m female. Both the customer and I are in our 20s.)

Me: “Good morning! So, you have a question about your account balance?”

Customer: “Yes. When I checked my online banking this morning, I saw charges on there that look a little weird. I think someone hacked my account.”

Me: “No problem. I can look into that for you. I just need to see your ID so I can look up your account.”

(He hands it over, and I pull up his account. I see 10 to 15 charges over a two-day period from multiple adult establishments and bars in another state. I can feel myself starting to blush. Since there are other customers around, I can’t blurt out what I’ve found, so I decide to try jogging his memory.)

Me: “Ah… I think I’ve got some answers for you.”

Customer: “What? What is it?”

Me: “Sir, did you travel to [State] on [dates]?”

Customer: “Sure did. It was my buddy’s bachelor party!”

Me: “Okay, it looks like these charges are coming from [State]. What sort of… um… places did you visit in [State]?”

Customer: “To be honest, I can’t remember.” *laughs* “Are they charges from bars?”

Me: “Yes, there are a few of those.”

Customer: “Okay, those are probably mine. What other places are coming up?”

Me: “Let me turn my computer screen around and I’ll show you.”

Customer: “Why? You can just tell me.”

Me: “I’m really not comfortable with that.”

(I turn my computer screen to face him and wordlessly point at each charge.)

Customer: “I didn’t do those. Nope. Not me.”

Me: “So, you made the charge at [Bar] at 1:00 am, but you didn’t make the charge at… ah… this other place–.” *points at strip club name on the screen* “—at 1:45 am? Did one of your friends get a hold of your card?”

Customer: “D*** it! Okay, I am responsible for all those charges! I remember them! But I didn’t get what I was after. Services were not as described. Can I dispute the charges if that’s the case?”

(My face is now undeniably bright red.)

Me: “Ah, well… since you admit to freely making the charge and using their… services, you’ll have a hard time getting the fraud department to refund your money. I can call them for you and file a dispute, but no guarantees.”

Customer: “Hmm… can you refund the money?”

Me: “I’m not authorized to do that. And even if I was, you just admitted to me that you made the charges yourself so I wouldn’t be allowed to.”

Customer: “FINE. Just leave them. I still think I should get a refund. Services not as described.”

(He walks out. The teller who sent him over emails me.)

Teller: “What were all those charges?”

Me: “Bars and strip clubs. He says services weren’t as described.”

Teller: “EW! I’m so sorry I ever sent him over!”

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