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This Is Why We’re In A Recession, Part 102

, , , , | Right | July 18, 2021

The pawnshop where I work also functions as a “financial institution.” When a customer loans with us, there is a 20% interest rate with every loan. The loan period is ninety days, which is broken up into three monthly payments. For example: if you get a loan of $100, the interest is $20 every month. If you would like to pay out the loan, it’s going to be $120 you owe us. You don’t have to pay the loan out early, but the cheapest payout would be in the first month. We DO NOT have any control over totals, payments, payment dates, late fees, etc.

A customer comes in, ready to pay out his item. The customer hands over his ID to my coworker. 

Customer: “I’d like to get [item] out, please.”

Coworker: “Okay, great! That’s going to be $160, and do you have your original loan contract we had you sign?”

Customer: “$160?! WHY?! I CALLED AND WAS TOLD I HAD GRACE DAYS!”

Coworker: “Yes, you do. The grace period is established automatically in our system and is basically giving you a couple of days so the item doesn’t fall out for sale.”

Customer: “Well, y’all didn’t tell me the price would go up! This is absolutely ridiculous! I want my s***! NOW! I have $25; give me my stuff!”

Coworker: “You are more than welcome to pay an extension payment; it’s only $20. Even if you did come in time before the payment went up, you wouldn’t have enough money to get it out.”

Customer: “This is bulls***! Listen here, you. I have $25 to give you… today!”

Coworker: “Sir, that’s not going to cover the payment. We loaned you $100. You didn’t make last month’s payment, so the price of it w—”

Customer: “Override it, then; I don’t care. I want my s*** now. All you guys are doing is trying to get more money out of me. I know the manager will do it for me. She knows me very well. I’m a good customer.”

Coworker: “Sir, I can’t do that. It’s the company and our system. Our system automatically calculates payments and dates. It’s 100% out of our control. The manager can’t even override it.”

Customer: “You’re playing bulls*** games with me!”

I can hear him starting to cause a scene, so I go get the assistant manager.

Assistant Manager: “Hey, bud, what’s going on over here?”

Customer: “Y’all are playing bulls*** a** games with me and all I want is my [item]!”

Assistant Manager: “Okay, well, it looks like it’s going to be $160 to retrieve your item.”

Now I can almost see smoke coming out of this guy’s ears.

Customer: “No! I already told her I have $25 to get my s***. That’s all I have. See, y’all be playing games with me!”

Assistant Manager: “Sir, I feel like you think we have control of this. We really don’t. This is all computer-based. We have absolutely no control. Now, if I could override the system, I would, but I can’t. The $25 you have could go to the extension payment to save your item from being put out for sale, but you need the $160 to actually pay the loan out. This isn’t anyone’s fault here.”

This guy was really trying to get his item back for only $25 when he was loaned $100. He claimed that he had spent thousands and thousands of dollars with us. We can see how much he’s spent and it’s not even $400 dollars. He ended up calling our store manager, our district manager, AND corporate. His stuff is still there so his call must not have worked.

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

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