Return To Sender

, , , , | Right | April 16, 2019

(I work for a bank’s call centre, and while it’s not what I primarily deal with, once in a while I handle mortgage problems. It is important to note that in Canada, if you have a mortgage you have to show proof of house insurance or else the bank will automatically add their insurance to your mortgage payment. Without house insurance, you could lose your mortgage with the bank. Their insurance is not cheap. It is also important to note that for privacy reasons, most insurance companies won’t send proof of insurance — which they usually send out yearly — directly to any mortgage holder. On this call, I am transferred an irate customer from a new hire who has no idea how to help him.)

Me: “Hello. Thank you for calling [Bank]; how may I assist you?”

Customer: “I just got a notification that you’re going to charge me for insurance. I already have insurance from [Outside Insurance Broker].”

Me: “All right, let me look into this for you. It seems like we need you to send in a new proof that your insurance is being continued on your house.”

Customer: “Why can’t you get it from my insurance broker? It’s a pain to have to send it in every year.”

Me: “Insurance companies won’t send proof of insurance directly to us without your permission, as they want to maintain your privacy. They should have sent the renewal to you so that you could forward it to us.”

Customer: “I don’t want to do this every year. I have insurance. Why can’t you ask them for the proof that my insurance has been renewed?”

Me: “I’m sorry if I didn’t explain this well. Even if we did ask your insurance company, they would not give us the information. I know that it is an extra step, but in order to not have to pay the bank’s insurance, you just have to send us the renewal information. Would you like me to provide you the information on where to send it?”

Customer: “No, I have it. I just don’t think I should have to send this. It should be up to you to get it. Having to do this every year is an inconvenience!”

Me: “It’s not us stopping us from getting the information. Have you tried asking your insurance company to provide us with the information directly?”

Customer: “I asked. They won’t do it.”

(I pause.)

Me: “So, you are aware that it is not us stopping the information from being sent directly to us?”

Customer: “Yes.”

Me: “And you have the information on where to send the proof of insurance?”

Customer: “Yes.”

Me: “Sir, if you know that it is your insurance company who won’t send us the proof of insurance, and you have the information on how to get it to us, and you understand that all of this is completely out of our control, I have to ask: what were you hoping to accomplish with this call?”

Customer: “I shouldn’t have to send this in!”

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