Saying Freeze And Thank You
(A customer walks up to my window.)
Me: “Hello! What can I help you with today?”
Customer: “Yes, one of your customers just gave me this check, and I want to be sure it will clear before I deposit it in my bank.”
(This is a fairly common request. We are allowed to either confirm or deny that a check will “clear” without giving out any other information about the check-writer’s account.)
Me: “Sure, I can help you with that.”
(I pull up the account and discover that it will clear easily.)
Me: “Yes, sir, it will clear.”
Customer: “Great. Now, I want you to put a freeze on the funds so it will still clear tomorrow. I’m not from here, so I won’t get to my bank until then.”
Me: “I’m sorry, sir, I can’t do that.”
Customer: “Why not?!”
Me: “Since you’re not an owner of the account, I can’t do that.”
Customer: “Well, I just don’t understand.”
Me: “Sir, is your name on the account?”
Customer: “No.”
Me: “Then I can’t take any direction from you on what to do with it.”
Customer: “I’m not asking to take money out of their account. I am asking you to put a freeze on the funds so that they will still be there tomorrow. How hard is that?”
Me: “So, just to get this straight, you would like me to put a freeze on funds on an account that your name is not on, and you have no ownership claims on whatsoever?”
Customer: “YES! Is that so hard to understand?”
Me: “I still can’t do that.”
Customer: “WHY NOT?!”
Me: “Because your name is not on the account. I cannot do anything to this account because your name is not on it. This account is not owned by you. Is there anything else I can help you with today?”
Customer: “FINE!” *stomps out*
Coworker: “Did he really think that was an okay thing to do?”
Me: “I wonder about the general public sometimes…”
(Not the first time I’ve gotten a request to “freeze” funds on someone’s account, but definitely the most belligerent reaction!)