Don't mess with Seniors

2/17/2013
Abe..
This is funny ! As she said: " Don't Piss Off Old People !"

Cheers........Joe..

I actually didn't find this funny. The old bitch knew exactly when her funds would be deposited. She wrote a check to someone else that cut too close to that time. Everything is automated, and she clearly had insufficient funds to cover the check. She must have a history of doing that, too, because banks will cover you the first couple of times you do that.

The rest of her rant just showed her senility. She probably shouldn't be writing checks to anyone anymore and should have a trustee.

Sadly, this attitude permeates our society now. Everyone thinks their own incompetence is the bank's fault.

I'm nt sure where it got her. Did the bank feel obligated to comply?

2/17/2013

Bravo ! The old lady has B...S
Cheers.Joe.....

My bank has changed names over the last 30 years at least 10 times. It is now Wells Fargo. Wells Fargo is as impersonably personable as it gets. The letter written by this woman is a fair evauation of the customers idea of The bank's most personal attention.

If I need to speak to a person in the bank, no matter what department, I must sign a ledger and take a number. I must sit there in their chairs until my name is called and then, if my problem is something that does not need any special attenion other than opening, closing, changing names and simple stuff, someone will eventually get around to me.

They charge me if I need a statement mailed to me, if I need any thing at all.

I doubt that her letter was read by anyone but the high mucky muck bank people who had a good laugh about it and did not care one whit about her as a customer.

Love,

Betty

Agree, Betty. The thing I hate the most is trying to reach a human on the phone. Having to press buttons to get standardized answers is usually a waste of time. It is just another means of replacing people with machines. Personal service is becoming rare.
Future problems. What will people do for a living when machines take away their jobs? Will human contact become a luxury?

We won't be here. As for banks - I have had several horror stories with bank errors and unspeakable treatment based on their automated systems. I took it to the bank president by searching for contact info on Google who passed me to the vice president (a woman) who fixed the whole mess. However, the anguish before it was fixed was an unnecessary result of the mechanical way business is conducted today.

I watched a good old fashioned family movie last night, the Ditchdiggers Daughters where the man went to the bank to get a loan but was refused without even looking at his application. He had a savings account that he promptly removed.

I once banked at a Florida bank on Marco Island where the general manager knew you by name and saved our family goose many times when we were sailing and deposits were a "second late" etc. That service, by the way, is still available with "personal bankers" for the very wealthy. They don't pay fees and they don't speak with machines. It's only the ordinary person who gets hit with situations like the elderly woman described.

Women as a group, the past generations in particular, spent most of their lifetimes keeping their strong opinions to themselves and behaving like ladies. For a man to display anger and revenge is power and assertiveness; for a woman it's a "bitch." When they reach the age of maturity, they realize that what they say and do will no longer end a marriage, insult the priest, make the PTA turn red or ruin their career. Sometimes a "straw" will release a dam.

DK

Eh, there are plenty of bitchy men, too.

This woman was outraged when her bank did what it had probably always done -returned checks when there were insufficient funds. So maybe she was just stupid.

Yes, everything is automated. Cuts down the costs. People throw loud fits when charged for anything, and at the same time want all kinds of personal service. I don't know what fees the very wealthy pay for personal banking, but if the bank weren't getting something from them that they're not getting from the rest of us, the wealthy wouldn't get that service.

More money.

Like Betty, I have banked with the same institution for over 30 years. Today it, too, is part of Wells Fargo. So far, WF and I have not had a problem. I have to say that on the occasions I've needed to deal with a live person, they've always been polite, helpful, and respectful.

I had a different experience some years back, when the controlling bank was called First Interstate. They "lost" my paycheck deposit. Since I had a running balance, it took awhile for it to show up. Suddenly, I was getting notices of overdraft fees and returned checks. At about the same time, I got my regular statement, which did not indicate a deposit at the beginning of the month. Luckily, I had my receipt, so I gathered all the notices and the statement and my receipt, and headed for the bank, and insisted I talk to a person asap. The woman who was assigned to me was very brusque. She told me that they would cancel the fees that they had charged, but would not be able to crdit my deposit until they traced down the check.

Now, I'm generally a lady-like person, but if you should want to know the definition of the word, bitch, and you are not interested in acquiring a female dog, the best example that I know of occurred that day in that particular bank, when I told the brusque lady just precisely how this cow was going to eat its cabbage. The first thing was that she excused herself, hailed down a male manager, and, thinking she was out of earshot(she had clearly never been a teacher of adolescents) said to him, "We've got another one..." At that point, the manager took her arm and guided her into an office space, where she stayed for several minutes. The woman who came out was clearly dressed in the same clothes, had the same hair color, etc., but her demeanor was very different - even deferent. They not only accepted my receipt as proof of deposit, they wrote letters of apology to every person or business that they had bounced a check to. AND they paid the fees to those creditors who still refused to eliminate the returned check fees. (Maybe because I told them that the bank had assured me that they would?)

It turned out to be kind of fun, having a legitimate excuse to allow my inner shadow bitch to surface.

And I wasn't anywhere near 65, or anywhere close to being wealthy, at the time.

Your experience was similar to mine, Ann - but multiply yours tenfold and you'll understand my situation with the bank. It was such a complicated set of their multiplied errors that they are impossible to repeat. But I was in another state with none of their banks.

There comes a time when one must take a stand.
Customer service is a big factor in keeping many firms in business.

My experience is that customer service depends on the managers. I just had a run in with a dentist that I filed BBB complaint. I plan to file with HHS also. The dentist refused to be rational or sensible. It's a long story, too. A local dentist. I am a writer for a popular local newspaper. I am well known. His office still made my life miserable with their error that they tried to extract payment for from me. This is a word of mouth town. They'll not get a friendly word from me or in the paper.

I'm sure we've all had issues w/ banks, I've had them myself. The only issue in the OP I can see is a woman enraged that her bank didn't honor an check presented on an insufficient funds account. Doesn't matter that it was (according to her) presented on the same day. It is Standard Operating Procedure that when you don't have enough to cover the check, the check BOUNCES. Period, end of story. If the overdraft isn't too much and you don't have a history of it, the bank will cover it once or twice.

My guess is this woman (assuming the story is even real) has done this multiple times, is a demanding, low-margin customer, and the bank would be thrilled if she took her "business" elsewhere.

LC. I think it was a same day transaction. The bank was quick to record the transaction of the check, but not the deposit. I can see this happening with electronic debits and deposits and that's when personal services are required. Checking into the matter would normally be in favor of the customer. Some banks appear to forget that they are kept in business by having customers.

Quote :

I think it was a same day transaction. The bank was quick to record the transaction of the check, but not the deposit.

Because the deposit came in AFTER the check did. It's automated, there isn't anyone looking after it. The bank incurs its own fees when this happens. If they didn't want to refund her fees after the fact, so be it. Maybe next time she'll use a credit card or pay the plumber cash (oh wait, she didn't HAVE the cash, that was her problem...)

I agree with DK, front line service is always dependent on the manager. If you have a customer service oriented manager, usually the staff follows his or her lead. The phone system is a another issue. Usually after pushing four or five buttons, I get transferred to someone in India who only knows the standard answers.