Cold Hard Cash Meets The Cold Hard Truth

(I work at a bank. A customer calls in asking for several overdraft fees back, and only gets an approval for one fee. These fees are accumulated over a period of two weeks.)

Customer: “You should refund all fees. I have the money.”

Me: “I’m sorry; I’m confused. I do not see any deposits made before or after the charges. The account is still overdrawn.”

Customer: “I have the money in my hands now. I had it weeks ago; I just did not have the time to deposit it.”

Me: “I’m sorry, but there is no way for us to use those funds unless you deposit them. The fees are valid.”

Customer: “But I have the money!” *hangs up*

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