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Can you say incompetence?

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Previous Entry Can you say incompetence? Apr. 7th, 2006 @ 09:15 am Next Entry
I thought you could! *sigh*

OK, so when last we left our heroine, she was fighting with the evil bank over a fraudulent charge of $15.99. She was at the end of her rope, and had decided it really wasn't worth the time or effort to argue any more, when - surprise! - the bank credited the money back into her account. All was well with the world...

Until yesterday. About a week ago, our heroine wrote a check to pay for her beloved tractor. It's the same amount every month - $270.94. It never changes...so imagine her surprise when she checked her bank account and discovered a check (with the number of the check she wrote to the Tractor company) had cleared her account for $490.72. WTF??? (In case you can't see it - they input it completely backwards. Go on - stare at the 2 numbers for a minute. See it? Good - you're a quicker study than the bank reps are!) The image of the check wasn't online yet....but she didn't care. This problem MUST be fixed, immediately if not sooner!

So, she called the bank's 1-800 #. The male on the other end said, "well, sorry - but the check hasn't been scanned in yet, so call back tomorrow." Yeah. OK. You'd better be ready, dude - I am angry here!

She called back this morning, ready to do battle. The female on the other end said, (after about 5 minutes of the heroine explaining, and her saying, "I don't get it", our heroine gnashing her teeth and explaining AGAIN in words of 1 syllable or less, spoken thru clinched teeth) "whoops. Oh, NOW I see it! Well, *WE* didn't make that mistake - the other bank did, and we took their word for it." clickety-clackety. "OK, I made a request for an instant credit of $199.78. It'll show up immediately! Oh, and would you like to open a savings account with us today?" The heroine said NO, and hung up.

Then, she ran the figures herself. (You honestly didn't think this would be correct, did you?) Let's see...$490.72 LESS $270.94 = $219.78. WTF??????? *sigh*

She had her intrepid co-worker re-run the figures (just to be sure. I mean, her adding machine *might* have burped.....5 times in a row.). She then called the bank BACK.

The bank is now totally confused. Our heroine has spoken with 3 different folks, all of which have had their brains explode from the confusion. (Look, it's not that hard. Look at the check image - $270.94. Now look at the withdrawal - $490.72. Subtract the former from the latter. See, no confusion!)

The upshot: Person # 3 has submitted an URGENT request to the research department (the ones apparantly in charge of refunding me my own money) to fix the error made by their customer service rep. (She input the "correct" check amount as - get this - $290.94. *sigh* Supposedly, our heroine will be receiving a phone call from research telling her that the $20 (on top of the $199.78) has been put back into her account. (Where it never should have been taken out in the first place....)

The kicker???? Lady #3 told our heroine (and I am totally NOT MAKING THIS UP): "Thank you so much for catching that error for us! You have a nice day now!"

Like, the heroine wouldn't keep a close eye on her bank account? *blech*

And now, *MY* head is threatening to explode. At least I have finally found the perfect post for this icon!!
Current Mood: amusedamused
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spin a yarn
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From:ambrosiaorion
Date:April 7th, 2006 02:31 pm (UTC)
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May I ask whom you bank with so I can avoid them?
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From:fiberaddict
Date:April 7th, 2006 04:00 pm (UTC)
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It was Bank One, but JPMorgan/Chase Bank bought them out. Chase is......let's just say that when the dust settles and I no longer work here, I'll be moving my banking elsewhere. They're the executors of my boss's estate...and it took them *2* months to get around to probating the will. He died at the end of November 2005, and as of today, nothing else has been done.
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From:szara
Date:April 7th, 2006 03:05 pm (UTC)
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You'd be surprised how many people *don't* keep track of their bank accounts. I've had parents who are accountants call me up at the end of a school year and ask why we didn't take their tuition fees out of their bank account every month, and when we ask why they didn't call sooner, the invariable answer is "I didn't check my bank account." (Ironically, the reason we didn't take it out was because they didn't read the fine, medium, or large print on the August information package informing them that their authorization is only good for one year. Accountants. Sheesh.)

</rant>

Good on you for following up right away. I hope they don't ding you for any fees because of this...banks make their living that way, I think.
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From:fiberaddict
Date:April 7th, 2006 04:01 pm (UTC)
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*sigh* I'm in accounting, so I *know* most people don't watch the accounts. Me? I skirt so close to the edge each month I *have* to keep an eye on it.

If they ding me any fees, heads will roll!
From:(Anonymous)
Date:April 7th, 2006 03:58 pm (UTC)

Bank Morons

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Verna, have you considered changing banks? Despite the inconvenience to you of changing direct deposits, automatic payments, waiting for new checks and check cards, I gotta tell you, if it were me, I would be RUNNING to your present bank's closest competitor. These 3 people make morons look smart. In the 7 years I have been dealing with my bank, I have never seen this kind of crap. And in the 19+ years of commercial real estate and its banking relationships, I've only seen this kind of stuff once, during a bank merger, and I took names and went up the food chain to VP levels, threatening to pull all accounts. (That one got resolved real quick!)
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From:fiberaddict
Date:April 7th, 2006 04:04 pm (UTC)

Re: Bank Morons

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Yeah - as soon as this job ends I'll be yanking everything out and moving to a bank closer to home. Right now, though - Chase is close to work, we have "direct" deposit (Mrs. Boss signs the check, we give her 5 minutes to get gone, then we hit the bank and deposit it.) and they're the executor's of Mr. Boss's will. (Which is why I will NEVER look back!)

The banks near home? Country banks. No other branches.....but I can't get to them when they're open while I'm still working *here*.

And, yeah - Chase just ate Bank One. I'd *never* be with Chase otherwise. *sigh*
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From:gypsybaby1
Date:April 7th, 2006 08:46 pm (UTC)
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Remember my long winded Rant about my Chase credit cards last Fall? Oh yeah, Chase sucks major canal water.

*HUG*
(spin a yarn)
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