Here’s A Tip: Bring Your Own Money To The Store

, , , , | Right | CREDIT: Harl0t_Qu1nn | April 17, 2021

I work at a liquor store. This guy comes in and tries to buy a $10 bottle of beer. This dude never has enough when he comes in, and the first couple of times, I’d throw in the extra bit he needed, but, dude… you gotta have the money to pay for things.

Me: “I need $4 more or I can’t sell to you.”

This dude picked up my tip jar, dumped out the money in there, and tried to give it to me as payment.

I was flabbergasted. I haven’t seen him since but I still think about that on a daily basis.

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Two Prices, One Cup

, , , , , | Right | April 14, 2021

During my years of working in fast food, I’ve seen that many of my coworkers never follow protocol exactly, which can cause problems with customers, especially ones that come to our restaurant often.

I’m working the dine-in counter as a man in his forties struts into the store, orders his meal, and then asks for a water cup. Our water cups are only ten cents and we are supposed to add them to their order. I add the cup to his order and read him his total, which he is shocked by.

Customer: “That seriously cannot be right. I order this every time I come and it’s never this much!”

I read back everything I have rung up onto my screen. As soon as I get to the water cup, he stops me.

Customer: “What do you mean, you’re charging me for a water cup? Aren’t they all free?”

Me: “No, sir, for a water cup it is ten cents extra. That’s the way it works and what my boss wants me to do. I’m sorry about that.”

He doesn’t take the apology, obviously, and says that no one else here ever charges him for the ten-cent water cup. That’s when it hits me that my coworkers have been really messing up, only for me to pick up their pieces.

Me: “Oh, really? Well, do you think I could gather these workers’ names from you?”

Customer: “Oh, no, I don’t want to get them in trouble or anything.”

I told him to have a nice day and made my boss check him out the rest of the way.

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The Burn Is Coming From Inside The House

, , , , , , | Related | April 13, 2021

Me: “Did I give you your allowance this month?”

My son thinks for a second.

Son: “Yes, you did.”

Me: “You are a very honest child. “

Son: “I don’t scam poor people.”

This story is part of our Best Of April 2021 roundup!

Read the next Best Of April 2021 roundup story!

Read the Best Of April 2021 roundup!

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This Is Why We’re In A Recession, Part 101

, , , , | Right | April 11, 2021

I’m a teller and phone representative at our community credit union; it’s like a not-for-profit bank.

I get a phone call from a woman who needs help understanding a sequence of transactions on her account. There are a lot of moving parts but the upshot is that she wrote four checks that all bounced and we charged her a $25 fee for each, totaling $100 in fees. She had $20 in her account to begin with and a manager at a different branch had refunded two of her fees, meaning that she was overdrawn by a total of $30 in the end. That, it turns out, is not the issue she needs help with.

After I explain it twice and get her to agree with me each step of the way, we reach the end.

Caller: “Where’s that $50, then?”

Me: “I’m sorry, what $50?”

Caller: “Well, you said you charged me $50 in fees and refunded $50, so that should be zero. But you still took $50, so where did that other $50 go?”

Me: “Sorry, I wasn’t clear. We charged you $100 in fees and then refunded $50. You still owe us the other $50 due to the checks that didn’t clear.”

Caller: “Okay, but then where is that $50 you refunded me? I don’t see it in my account.”

Me: “Yes, that’s because we refunded it to your checking. You were overdrawn $80 but now you’re only overdrawn by $30.”

Caller: “But where is that $50? I’ve been through this so many times and I think y’all are just taking my money.”

This goes around in circles for a while. For the life of me, I cannot figure out which part she doesn’t understand. Eventually, we reach the half-hour mark. At our credit union, we have the philosophy that the tellers and phone representatives are there to serve all members, not just you. If you want to monopolize the time of one of us — there are usually only three or four at my location — then you pay $50 per half-hour after the first half-hour. The idea is that you’re inconveniencing other members by hogging my time, so you should only do it if you’re willing to pay for it. Telling her about that is the only reason our call ends.

I make notes on her account from our conversation, letting my colleagues know not to spend more than a few minutes with her unless they charge the “monopoly time” fee.

I got a call later that day from the manager that had refunded her fees. It turns out that that manager spent forty-five minutes on the phone with the woman before I did, and they had basically the same conversation, going in circles about $50. After I talked to her, the woman went into that manager’s branch to get help. They saw my notes and told her that, due to the amount of time we’d spent trying to help her, it would be a $50 fee. She got upset and asked to speak to the manager. In her anger, we actually learned what the root of this misunderstanding was the entire time.

It was because we “refunded” two of the fees instead of “waiving” them. It turned out that she had no intuitive sense about what negative numbers and overdrawn accounts were. When she heard that we “refunded” two fees, she expected to receive fifty physical dollars and was wondering how we could have done that when she wasn’t there. The entire time, she thought there was $50 waiting for her somewhere and was exasperated that we wouldn’t tell her where it was. She left without it.

This Is Why We’re In A Recession, Part 100
This Is Why We’re In A Recession, Part 99
This Is Why We’re In A Recession, Part 98
This Is Why We’re In A Recession, Part 97
This Is Why We’re In A Recession, Part 96

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Even The Most Sterling Explanation Will Not Work

, , , , | Right | April 7, 2021

I’m an account manager at a small-town, independent bank.

Me: “Hello, this is [My Name] at [Bank]. How can I help you today?”

Customer: “I need to dispute some charges on my account.”

Me: “Okay, let’s take a look. Can I have your name or account number?”

We go through all the proper identification procedures with no issues, and I pull up a statement of her most recent transactions. The customer also has a note on her account that she is traveling in Britain right now.

Me: “Okay, I have your statement pulled up. Which transactions would you like to dispute?”

Customer: “The ATM withdrawals I made in London this week. I just looked at my bank statement online, and I think the ATM took out too much money.”

Me: “I see three ATM withdrawals for 250 dollars. Are those the charges you mean?”

Customer: “Yes. But I only took out 200 dollars from the ATM. Why did they take more money out of my account than I got from the ATM?”

Me: “Ma’am, I think I understand what happened. When you use the ATM in Britain, it automatically calculates the exchange rate between British pounds and US dollars. Right now, one British Pound is worth about 1.25 in US dollars, so the 200 British pounds you took out of the ATM are worth 250 US dollars.”

Customer: “That can’t be right, though. Why did the bank take 250 dollars out of my account when I only got 200 dollars out of the ATM?”

Me: “Ma’am, you didn’t get any US dollars out of the ATM. Britain uses the pound, not the dollar, so you got 200 British pounds. The reason your statement shows 250 dollars is because the pound is worth more than the dollar right now.”

Customer: “That doesn’t make any sense, because the dollars I get out of the ATM should be the same dollars that come out of my account. Is there someone who actually understands money that I can talk to?”

Me: “Let me transfer you to my supervisor.”

My supervisor tried to tell her the same thing I did, to no avail. We obviously did not reverse or refund any money from her ATM withdrawals, since she was the one who made the withdrawals. When she got back from her travels in Britain, the customer closed her account with us and switched to a national chain of banks because she was convinced we were stealing money from her every time she used her card at an ATM in Britain.

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