how do you defend yourself when a bank messes up?

[opus1]

First off, I still write checks. If you want to electronically put money into my account, fine, but to get any out you need a piece of paper from me.

Offhand, I can think of 3 cases where the bank or CU made an error and all were resolved in my favor. One was a teller data-entry error that she caught right after she hit the enter-key, so that was fixed immediately. I still have a statement somewhere that shows a $1.5M deposit into my account, followed by a correction, though. One was a withdrawal from my credit union account that I know I didn't make/authorize and after a couple of days for them to "investigate" they found the error and fixed. The third was the teller mis-keying my account number on a deposit, which I'd have caught sooner if I requested a balance at the time since the PIN wouldn't have worked. Again, one phone call and they fixed that problem, and from that point on, I ask for the balance to make sure they have the number entered correctly.

 

[aquariuscsm]

Here's the new trend that really [censored] me off! I go into my bank to either deposit or withdrawal. I'm standing there at the end of the transaction waiting for my receipt and the numbnut teller is sitting there with this [censored]-slapped look on their face. I'm like,"Dude I want a receipt". "Oh we don't give receipts". So I say,"You're handling people's money and you're going to not give a receipt??". I always make them hand write me out a receipt and initial it. A bank not giving a receipt is totally unacceptable.

 

[Al]

Originally Posted By: motor_oil_madman
It doesn't happen often, actually rarely enough for me to hardly even know what to do when a bank makes a mistake and usually takes my money. It's kind of always your word against theirs and the bank is always right. They always tell me I counted it three times, this is the number I came up with. You ever think you kept misreading the same check three times in a row? Or were making the same mistake three times in a row?

I have no idea what you are talking about and neither do you.

Typical

 

[AirgunSavant]

Get another bank.

 

[SubyRoo]

Originally Posted By: AirgunSavant
Get another bank.


Agreed. I've been working in banking for a while now. When we have an issue whether it is the fault of the customer or the bank we always resolve it and never have the "the bank is always right" mentality. I'm also surprised to see all the hate towards the tellers, people make mistakes and trust me I understand when it is your money its no laughing matter but try and keep a cool head and chances are it can be resolved without much issue. I see so many customers that come in the bank with a bad attitude looking for a reason to argue and it makes things harder for both the bank/teller and the customer.

 

[hatt]

Originally Posted By: aquariuscsm
Here's the new trend that really [censored] me off! I go into my bank to either deposit or withdrawal. I'm standing there at the end of the transaction waiting for my receipt and the numbnut teller is sitting there with this [censored]-slapped look on their face. I'm like,"Dude I want a receipt". "Oh we don't give receipts". So I say,"You're handling people's money and you're going to not give a receipt??". I always make them hand write me out a receipt and initial it. A bank not giving a receipt is totally unacceptable.
Never heard of such a thing. Better get a new bank.

 

[SubyRoo]

Originally Posted By: hatt
Originally Posted By: aquariuscsm
Here's the new trend that really [censored] me off! I go into my bank to either deposit or withdrawal. I'm standing there at the end of the transaction waiting for my receipt and the numbnut teller is sitting there with this [censored]-slapped look on their face. I'm like,"Dude I want a receipt". "Oh we don't give receipts". So I say,"You're handling people's money and you're going to not give a receipt??". I always make them hand write me out a receipt and initial it. A bank not giving a receipt is totally unacceptable.
Never heard of such a thing. Better get a new bank.


A lot of that will have to do with the teller system a particular bank uses. Some only print receipts for deposits and not for a cash out. Some don't show balances for privacy purposes. If the system doesn't give a receipt for a certain transaction there most likely isn't a way for the teller to print one so hand written is the only way.

 

[aquariuscsm]

Another sleazy bank thing I hate is trying to charge you for mailed paper statements.

 

[javacontour]

Originally Posted By: tmorris1
Originally Posted By: Bandito440
Who still writes checks?

Insurance companies and my Grandma.


Especially when she is ahead of you at the grocery store.

I keep suggesting to oilBabe that she look into DRIP, as we get dividend checks that would best be re-invested...

 

[hatt]

Originally Posted By: SubyRoo
Originally Posted By: hatt
Originally Posted By: aquariuscsm
Here's the new trend that really [censored] me off! I go into my bank to either deposit or withdrawal. I'm standing there at the end of the transaction waiting for my receipt and the numbnut teller is sitting there with this [censored]-slapped look on their face. I'm like,"Dude I want a receipt". "Oh we don't give receipts". So I say,"You're handling people's money and you're going to not give a receipt??". I always make them hand write me out a receipt and initial it. A bank not giving a receipt is totally unacceptable.
Never heard of such a thing. Better get a new bank.


A lot of that will have to do with the teller system a particular bank uses. Some only print receipts for deposits and not for a cash out. Some don't show balances for privacy purposes. If the system doesn't give a receipt for a certain transaction there most likely isn't a way for the teller to print one so hand written is the only way.
Any teller system that doesn't include printing receipts isn't much of a teller system. I want a receipt with just about any transaction other than a small cash deal.

 

[SubyRoo]

Originally Posted By: hatt
Originally Posted By: SubyRoo
Originally Posted By: hatt
Originally Posted By: aquariuscsm
Here's the new trend that really [censored] me off! I go into my bank to either deposit or withdrawal. I'm standing there at the end of the transaction waiting for my receipt and the numbnut teller is sitting there with this [censored]-slapped look on their face. I'm like,"Dude I want a receipt". "Oh we don't give receipts". So I say,"You're handling people's money and you're going to not give a receipt??". I always make them hand write me out a receipt and initial it. A bank not giving a receipt is totally unacceptable.
Never heard of such a thing. Better get a new bank.


A lot of that will have to do with the teller system a particular bank uses. Some only print receipts for deposits and not for a cash out. Some don't show balances for privacy purposes. If the system doesn't give a receipt for a certain transaction there most likely isn't a way for the teller to print one so hand written is the only way.
Any teller system that doesn't include printing receipts isn't much of a teller system. I want a receipt with just about any transaction other than a small cash deal.


Its just the way the banking world is headed. I would expect less and less paper in the future. The trend is moving more towards e-banking every day. Like someone posted earlier about the charges for paper statements. Most times you can avoid it if you sign up for emailed statements. Fees are just how the retail side of a bank makes money.

 

[Al]

Originally Posted By: SubyRoo
Its just the way the banking world is headed. I would expect less and less paper in the future. The trend is moving more towards e-banking every day.

We still do some checks. But I can't remember when I had a teller count me out paper money. I can hardly imagine a scenario where you get "cheated" by the bank.

 

[aquariuscsm]

What if a customer withdrawals $1000 from a bank,gets no reciept,walks outside,turns around and walks back in and tells the teller he only gave him $1? Teller says hold on,let me see your reciept,oh wait,we don't give receipts so we have no proof if I gave you $1000 or $1. I'm the kind've person who will demand a reciept for EVERY type of transaction that involves a trade of currency.

 

[hatt]

Originally Posted By: SubyRoo


Its just the way the banking world is headed. I would expect less and less paper in the future. The trend is moving more towards e-banking every day. Like someone posted earlier about the charges for paper statements. Most times you can avoid it if you sign up for emailed statements. Fees are just how the retail side of a bank makes money.
I'm up on e-banking. But when I go into a bank to deposit/withdraw cash or deposit check I'll be getting a receipt.

 

[SubyRoo]

Quote:
[/quote]What if a customer withdrawals $1000 from a bank,gets no reciept,walks outside,turns around and walks back in and tells the teller he only gave him $1? Teller says hold on,let me see your reciept,oh wait,we don't give receipts so we have no proof if I gave you $1000 or $1. I'm the kind've person who will demand a reciept for EVERY type of transaction that involves a trade of currency

Its all right there in the teller system. It will show all money involved in the transaction as well as all the activity in the account. There shouldn't be any issue in asking for a written receipt though. I've personally never known of a teller getting upset if asked for one. Hopefully said teller isn't so easily duped.

 

[SubyRoo]

Originally Posted By: hatt
Originally Posted By: SubyRoo


Its just the way the banking world is headed. I would expect less and less paper in the future. The trend is moving more towards e-banking every day. Like someone posted earlier about the charges for paper statements. Most times you can avoid it if you sign up for emailed statements. Fees are just how the retail side of a bank makes money.
I'm up on e-banking. But when I go into a bank to deposit/withdraw cash or deposit check I'll be getting a receipt.


I agree its odd not getting a receipt because we are accustomed to getting one for most any other transaction at stores and such. If your bank teller has issue with hand writing a receipt I would speak to the branch manager. If the customer needs a receipt they should always offer to hand write one and teller stamp it.

 

[DoubleWasp]

A long time ago, I made a $15k deposit that was credited as a $150k deposit. I'm not stupid, and know how these things really end up going.

I didn't touch the account at all, and notified the bank, branch manager, and account security. I obtained paper confirmation of all of these notifications and contact info.

Still ended up with the Feds at my door. Once they saw my paperwork, they got this "thanks, but we really have better **** to do" attitude and left. Still, I am glad none of my clients were around. How embarrassing.

I closed my accounts the next day and never looked back.

 

[Mr Nice]

DoubleWasp,

Are you a 'minority' ?

Maybe they reported it as a suspicious amount of cash and they unfortunately flagged your legitimate deposit...

I know a black guy who has a cash business and he's been reported a few times for legitimate cash deposits.

 

[aquariuscsm]

Originally Posted By: DoubleWasp
I obtained paper confirmation


"And sir,that will be a $10 service fee for those paper statements".

 

[DoubleWasp]

It's wasn't that kind of thing at all. To a bank, I'm an animal that ate off of their plate, regardless of how it got there, or if I touched it.

Even when it is, it isn't.

Don't ask me how I know, but the DEA has wrecked a lot of "light" owned cash-heavy businesses in pursuit of now-extinct "light" drug trafficker. There's nothing particularly amorous about nailing the more common brand of drug trafficker.

I didn't pay anything for my papers. I made it quite clear that if law enforcement became involved, I would let them know their name and that they refused to provide documentation.