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You’re Supposed To Protect My Money From Myself!

, , , , | Right | April 30, 2020

I work for a bank’s fraud and disputes unit.

Customer: “I am disputing this $100 charge from [Major Car Insurance Company].”

Me: “Okay, sir, do you have insurance through them?”

Customer: “Yes.”

Me: “Did you cancel it and they still charged you?”

Customer: “No.”

Me: “Did they overcharge you?”

Customer: “No.”

Me: “Did you pay with cash or another credit card?”

Customer: “No.”

Me: “What exactly is the dispute?”

Customer: “I did not want them to charge my card!”

Me: “Did you call them before the date of transaction to not charge the card?”

Customer: “No.”

Me: “Then, sir, we cannot dispute this for you.”

Customer: *Curses at me* “You’re my bank. You’re supposed to do what I tell you.”

Me: “Sorry, sir, but not in this case.”

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