I'm Pissed.

[Sock Full of Boiled Dimes]

A little story to tell you why and why I am about to yell at some people.

So Friday I get a $700 check as a refund for my FASFA at college. I was going to use this money for gas and to get a nice new computer that I've been needing for a while. So I go to the West Plains branch of Great Southern Bank which is where I entrust all my money transactions. It was around 10:40 AM when I walked into the bank. I waited for a few moments in line and stepped up and talked to this one lady.

"Hi, I'd like to put this into my bank account."

"Okay, one moment" She says. I forgot to endorse it.

"Oh wait, I need to sign it first." So she hands it back to me and I put my little scribbly signature on it. I hand it back and she puts the check through and hands me my receipt.

"That's it?" I ask. Thinking there should be more to the process.

"That's it." She says.

"O-okay, thank you." I made sure to hang onto the recipt finding that a bit odd and hoping that she actually got my account. I went to work today and got off around 5 and decided to check my bank account.

Lo and behold the recipt read: $7.05. I looked at it more closely before I went beserk and this never happening to me before.

I rushed home and looked at my recipt and the one I just got today. Turns out those little numbers at the end were completely different.

THE GIRL PUT MY MONEY IN THE WRONG BANK ACCOUNT!

So this is why I am pissed and the anger is only going to build until Monday. Another problem was I was buying crap left and right with only $30 in my account and if I overcharged I'm going to be even more pissed if they charge me for it.

Anyway, I'll just have to wait monday until I can yell at bank people.

[Kwiz]

Take your business elsewhere and complain about it to everyone you possibly can.

[Sock Full of Boiled Dimes]

No, I like my bank, but its just one lady who screwed up and I just hope it gets sorted out is all.

[japanat]

It's just a typo/misentry, see how they handle it. If they deal with it w/o problems, stay with the bank. If they make it difficult, consider moving.

[Kwiz]

It's just a typo/misentry, see how they handle it. If they deal with it w/o problems, stay with the bank. If they make it difficult, consider moving.

Sorry, I meant to add that. There's no reason to move your account to another firm simply because of one person's error. I'd wait to see how the bank as a whole reacts too.

[tweek.3867]

Yea... I've gotta agree with Kwizard/Japanat. Everyone can have an off day and slip up now and then, bank tellers included :p It sucks sometimes, but unless the bank itself tries to give you hell, it isn't worth switching around entirely.

[Angelyne]

Last semester, I cashed in some U.S. Savings bond at my local bank so that I could make an tuition payment that was due in three days. Everything went fine, and the money went into my checking account so that I could make the payment the next day.

The next day, the bank withdrew $6000+ from my bank account because of "banking errors". Holy shit, I was pissed! Called up the bank's customer service and the idiots couldn't even tell me WHY I suddenly lost $6000. Ended up marching right bank to the bank and demanding what the hell happened to my money, because I wasn't going to pay a late fee (about $150) on my tuition bill due to the bank's incompetence. After spending an hour waiting in some bank rep's cubicle, they finally told me that they sent something to their HQ and would have to work on it there. I told them I was going to send the bill for late fee directly to the bank. Also wrote down everyone's name that I dealt with, so if I got fed any bullshit, I could point out the person to blame.

The next morning, the $6000+ was returned to my account, and I even got a phone call directly from the bank manager apologizing for the situation. I guess some dipshit at the bank's HQ was processing my bonds and misread all of the codes, causing the bank error.


So, Number17, from my experience, I highly recommend going to the bank yourself instead of calling you up. They can't just push away your problem if you're there in person and PISSED. Bring documentation, explain the possible overdraw charges caused by the error, make sure you get the name of everyone that you deal with, and don't forget to mention the dumb bitch who caused the problem in the first place.

[Shuft]

I agree with the above posters. There's no reason to switch to another bank, bot you should go in and demand results.

I suggest you wait until they are about to close for the day so there won't be as many people there. Also, don't wear bright colors, because they look tacky. Black is always classy. Speak up so the managerin the back can hear you. Something along the lines of, "I'm already pissed off, so nobody do anything stupid t make me angry. I'm not leaving empty handed," should let them know you are a customer who is close to taking your business elsewhere. You don't want to seem uptight though, so always keep one hand in your pocket in a laid back fashion.

[Mechs]

A little story to tell you why and why I am about to yell at some people.

So Friday I get a $700 check as a refund for my FASFA at college. I was going to use this money for gas and to get a nice new computer that I've been needing for a while. So I go to the West Plains branch of Great Southern Bank which is where I entrust all my money transactions. It was around 10:40 AM when I walked into the bank. I waited for a few moments in line and stepped up and talked to this one lady.

"Hi, I'd like to put this into my bank account."

"Okay, one moment" She says. I forgot to endorse it.

"Oh wait, I need to sign it first." So she hands it back to me and I put my little scribbly signature on it. I hand it back and she puts the check through and hands me my receipt.

"That's it?" I ask. Thinking there should be more to the process.

"That's it." She says.

"O-okay, thank you." I made sure to hang onto the recipt finding that a bit odd and hoping that she actually got my account. I went to work today and got off around 5 and decided to check my bank account.

Lo and behold the recipt read: $7.05. I looked at it more closely before I went beserk and this never happening to me before.

I rushed home and looked at my recipt and the one I just got today. Turns out those little numbers at the end were completely different.

THE GIRL PUT MY MONEY IN THE WRONG BANK ACCOUNT!

So this is why I am pissed and the anger is only going to build until Monday. Another problem was I was buying crap left and right with only $30 in my account and if I overcharged I'm going to be even more pissed if they charge me for it.

Anyway, I'll just have to wait monday until I can yell at bank people.

Don't they also make you fill out a bank deposit slip? At my bank, you have to fill out the deposit slip with all your info (name, address, bank account number, and signature, etc) and you hand the teller the the slip and the signed check. I thought it worked like that at all banks?

[Dahvood]

Don't they also make you fill out a bank deposit slip? At my bank, you have to fill out the deposit slip with all your info (name, address, bank account number, and signature, etc) and you hand the teller the the slip and the signed check. I thought it worked like that at all banks?

Not at mine. Hand them your card/bank account details and the check and they give you a reciept and thats all there is to it.

[Snake eyeS]

Odd, Here in holland you have to write down the amount of cash you want to deposit on a sort of check in such a fashion those mistakes can never be made.

[Agent Vesago]

My bank used to do that too.

Now, I just give them my bank card, punch in my PIN and get my receipt.

[Sock Full of Boiled Dimes]

So I figured out the problem and the lady was still so dumb that, "they'll look into it and fix the problem within two days."

CRAP! I want instant results now!

The problem was that she accidently put it into my dads account so we're gonna do the ol' transaction buisness where he just gives me my money back.

Seems reasonable.

[erised]

If any of those charges to your account bounce, the bank should cover them and not charge you any fees (or pay the fees and send a letter of explanation if someone else charges you). Banks and financial institutions mess up all the time. I see tons of letters at work where banks are writing in to say that whatever payment bounced as a result of bank error and please don't penalize the borrower. I also see letters where we messed up a borrower's payment and overdrew their account, and now they want us to pay their insufficient funds fees-- and we do it. I'm sure most places do things like that w/o much hassle b/c they want to keep your business.

My bank has deposit slips, but I never fill them out. I just tell them my account number.