Should Have Checked Before They Checked

, , , , | Right | December 17, 2018

(I work in a true dollar store; everything really is a dollar or less, so the company cuts corners where they can to save on expenses. Some bank has put out television commercials explaining that their “new” debit cards “work just like a check!” A customer comes up with an armful of items. Not much at all. I scan everything.)

Me: “Your total is [amount less than ten dollars].”

Customer: *silently hands me a card*

Me: “Oh, I’m sorry! We only accept cash or checks.”

Customer: “This is a check.”

Me: “No, it’s a debit card. We only accept paper checks.”

Customer: “This IS a check. It is a check card.”

Me: “Yes, I know. But we don’t accept them. We never have.”

Customer: “You said you accept checks. This is a check card. You will accept it.”

Me: “I’m afraid we can’t. We have never accepted debit cards.”

Customer: “It works just like a check!”

Me: “Actually, it really doesn’t. It takes money from your checking account, yes, but using them requires additional equipment that the store does not have as well as a dedicated phone line, I believe.”

(Our cash registers are extremely barebones. Barely a step above old-fashioned mechanical types as far as capabilities go.)

Customer: “Are you calling my bank a liar?”

Me: “Maybe not a liar, but certainly misleading from the business perspective.”

Customer: “Well I don’t HAVE cash or a check! YOU just lost the store a sale.”

Me: “Sorry?”

Kind People Don’t Have System Errors

, , , , , , | Hopeless | December 16, 2018

I’ve been going through a bit of a rough time lately and living from paycheck to paycheck. The day I get paid, I can’t sleep, and I head to the ATM at 4:30 am leaving my partner at home with our two kids.

Since I’m with a bank that has recently shut most of their branches, I have to use a different bank. The ATM gives my card back without the cash before displaying a system error. I check my online banking to find it has taken the money from my account but not actually given me the cash.

I call my bank to find out I have to go into a branch to dispute it and it will take up to two weeks. By the time the bank opens, I’m a complete mess, I have two kids that need nappies and formula, we have no food in the house, both my partner and I need medication, and we have rent to pay.

The first employee fills out a dispute transaction form and then tells me there’s nothing else they can do as I’m receiving government benefits — which actually is this bank’s policy on overdrafts. She then gets the branch manager. The manager spends over an hour on the phone but reassures me that if they can’t sort it out today, she will give me $100 out of her own account to make sure we at least have the basics until it’s sorted out or until my partner gets paid in a few days.

In the end, she manages to get an overdraft for the full amount I am due. I truly believe she would have given me the money from her own account, too. Before I leave she gives me a hug.

To the manager of the branch of a small, out-of-state bank in Melbourne City, if you’re reading this, thank you for going above and beyond for a very stressed-out, crying woman. Your kindness and understanding are amazing.

That Was A Noteworthy Transaction

, , , , | Right | December 14, 2018

(I work the checkout. It’s almost nine pm when a customer comes through my till. We go through the hi-how-are-you’s and how-is-your-days. He speaks perfect English and is very obviously from Australia.)

Customer: *scans through products*

Me: “That will be $12.50.”

Customer: *hands me a ten-dollar note and looks at me expectantly*

Me: “That will be $12.50, sir.”

Customer: *blinks at me for a few seconds*

Me: *a little more slowly* “12… 50… sir.”

(He then starts looking back in his wallet; I am still holding the note in my outstretched hand. Then he grabs the ten dollars and puts it on the counter and hands me a different ten dollar note, as well as a five.)

Me: *pretending like nothing happened* “Thank you, sir.” *hands back change*

Customer: *finally catching up to what he did* “That really didn’t make much sense, did it? What can I say; it’s been a really long day.”

Cents-less Not To Help

, , , , , , , | Hopeless | December 12, 2018

A few months ago, I took my little sister grocery shopping at a place we’d known since our childhood. I was on a tight budget, but I was happy to spend time with her, so we added a few more items than I could really afford. When we got to the register, I realized I was over a few dollars. Removing a few items got me down to where I was only a few cents over budget, and as I paid, I searched for those extra cents that would cover the rest.

Not finding them, I grabbed my card, only to be presented with the receipt and a smile. The cashier had covered it out of her own pocket. Thinking about it now brings a lump to my throat, and thanks to her generous spirit, I recovered my dwindling faith in humanity.

He’s About To Get A Chile Reception

, , , , , , | Legal | December 12, 2018

This story happened to my sister. We are from Chile, but she was traveling in Europe when this happened. She got onto a train in Prague and a random guy got into the compartment where she was, and started to talk very fast in English. He told her that he had to go to the next city because of an emergency and that he would have to leave his wife alone without a penny. They only had one credit card he would need for the trip, so he needed cash. He promised my sister that if she gave something, he would return it when they arrive at the next station.

My sister realised that this was a scam from the first moment, but she was afraid that he could do something to her, as she was traveling alone. In that moment she remembered that she had some Chilean money, so she took her wallet and timidly said, “I only have Chilean money on me right now; I would love to help you, so here you go,” and she handed him 1000 Chilean pesos — a little more than a US dollar.

When the guy saw the 1000, he got the biggest smile of victory and hurried down the train never to be seen again.

To this day we laugh at the guy, thinking about his face the day he went to the money exchange and they give him just a Euro.

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