![\"\"](\"https:\/\/s-media-cache-ak0.pinimg.com\/564x\/54\/ab\/ae\/54abaec802943cff9d39072dd3d0abd1.jpg\")
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These 2 stories are a little long, but might make you feel better even if you work in traditional retail and not in a bank. \u00a0They have to deal one-on-one with people who sometimes seriously don’t have a clue how things work. \u00a0Wait a second, so do we! \u00a0Enjoy his day about Moron and Retard, I know you’ve had a few of those days yourself.<\/p>\n
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from AngryRetailBanker.com<\/a><\/p>\n <\/p>\n When you work in retail, you know you are going to get the occasional stupid customer. But sometimes, in retail banking, you can meet people so utterly stupid that you wonder if they ever forget to breathe.<\/em><\/p>\n Customers can be known for their utter stupidity sometimes. Some people<\/em> say \u201cThere are no stupid questions\u201d, but that\u2019s stupid. There are tons of stupid questions you will be asked\u00a0daily if you work in retail.<\/em><\/p>\n But yesterday, I had two customers that truly attempted to set the stupidity bar higher. Or lower. I\u2019m not sure.<\/em><\/p>\n Either way, if I had to make a top ten list of my stupidest customers that I\u2019ve dealt with in all my ten years of banking (not nastiest customers<\/a>, or most<\/em> unruly, or worst customers, or anything like that. Just straight out\u00a0stupidest),\u00a0then I can show you two customers that I took yesterday who are certainly contenders for that list.<\/em><\/p>\n Two customers that I took\u00a0in a row. They must have escaped from the same mental hospital.<\/em><\/p>\n These are people who literally don\u2019t want the bank to safeguard their money and don\u2019t want to take control of their own finances.<\/em><\/p>\n The first customer was an older man, maybe in his 70\u2019s, who sat down at my desk. He told me he had a general question about his debit card.<\/em><\/p>\n He took a cross-country trip to multiple states recently. When he used his debit card, it was declined because he had no money. Our debit card department called him to verify that the transaction was attempted by him and not an unauthorized party. He confirmed it and went about his day. When he went to another state, it happened again, causing him \u201cgreat embarrassment\u201d.<\/em><\/p>\n His question to me was how to avoid stuff like this happening in the future.<\/em><\/p>\n Alright, a reasonable question. My first question to him, in order to get to the bottom of what happened, was whether he let the bank know that he was traveling before he used his debit card.<\/em><\/p>\n He did not.<\/em><\/p>\n Alright, fine. I don\u2019t expect people to know\u00a0every best banking practice out there. That\u2019s what I\u2019m here for (both as an employee\u00a0and\u00a0as the Angry Retail Banker, whose blog is so awesome that you should read it everyday and share it with all your friends. Wink wink). So I explain to the customer how to notify the bank of your travel plans<\/a>. For those of you who don\u2019t know, when you travel, you need to let the bank know. This way, they don\u2019t block your debit card transactions. You need to tell them where you\u2019re going and what dates you\u2019re going.<\/em><\/p>\n This is where the man\u2019s serious case of the stupids comes out.<\/em><\/p>\n He starts getting angry, telling me that he has the absolute right to go anywhere he wants in the world without telling the bank. It\u2019s his money and he could use it however he sees fit.<\/em><\/p>\n Um, yes you do have to have to let the bank know that you are going away. It\u2019s how the bank protects your account. Because, otherwise, how does the bank know that the transactions that are suddenly popping up in Thailand are\u00a0yours and not the result of an online hacker or someone who took your card information from a skimming device?<\/em><\/p>\n I tell him this and he reacts as if I just said that my favorite historical figure was Hitler.<\/em><\/p>\n When I tell him to think about it logically, he interrupts me to tell\u00a0me\u00a0to think about it logically!<\/em><\/p>\n \u201cDid I make a claim?\u201d he asks snottily. \u201cNo! So why is the bank suddenly blocking my transactions because they\u2019re \u2018suspicious\u2019?\u201d<\/em><\/p>\n I could have sworn that we already went over that, but I\u2019ll explain it again. The bank has an obligation to monitor your transactions, Moron. Just because you didn\u2019t put in a claim means nothing. The bank does what it can to stop unauthorized transactions\u00a0before\u00a0they come out of your account. If you\u2019re at the point where you\u2019re putting in a claim, that means that you\u2019re money has already been stolen and you\u00a0might\u00a0get it back weeks later.<\/em><\/p>\n \u201cI have the right to privacy!\u201d Moron exclaims. \u201cDo I not have the right to go wherever I want without telling the bank where I\u2019m going and how I\u2019m spending my money? It\u2019s my money and I don\u2019t have to ask anyone for permission!\u201d<\/em><\/p>\n Okay, don\u2019t go all libertarian on me. I am well versed in libertarian philosophy. Probably more so than you. Moron, you are no libertarian. And nobody said that you needed to ask permission from the bank to buy certain<\/em> items. Just to let them know where you are so that they don\u2019t think that your transactions are fraudulent.<\/em><\/p>\n So now Moron is starting to grate on me. And so I explain to him, \u201cListen, you have the right to do whatever you want with your debit card. If you want to take a trip to, say, Pakistan, you can use your debit card there without telling the bank. It\u2019s your right. But your card is going to be blocked. I don\u2019t know what else you want me to tell you. Because any bank that is doing even a\u00a0moderate amount of the most\u00a0basic\u00a0due diligence is going to do that. I shouldn\u2019t have to explain why to you because it\u2019s self-explanatory, and because I already explained it to you. If a bank finds a transaction to be suspicious\u2013even because of geography\u2013it\u2019s going to stop that transaction from going through because it\u2019s not going to risk a fraudster stealing your money. That\u2019s that. Is there anything else I can do for you today?\u201d<\/em><\/p>\n \u201cWell, it looks like I\u2019m going to have to go to court to get this manner resolved,\u201d says Moron in that shrugging-but-threatening kind of way.<\/em><\/p>\n \u201cGo to court?\u201d<\/em><\/p>\n \u201cYes, to get the banks to stop this practice,\u201d he answers. \u201cIt\u2019s a violation of my rights.\u201d<\/em><\/p>\n I look at him and ask, \u201cYou don\u2019t really know how the courts work, do you? You know that they\u2019re not going to do that. But good luck. Come back to me and let me know how that goes.\u201d<\/em><\/p>\n I don\u2019t think I\u2019ll ever see Moron again. Good riddance.<\/em><\/p>\n So my next customer is a man in his mid-50\u2019s to lower 60\u2019s, wearing a suit no less. He has some debit card questions.<\/em><\/p>\n After answering his questions, he asks for his balance. When I give it to him, he says that $2,000 is missing.<\/em><\/p>\n He looks over a printed statement that I give him, and tells me that there was $2,000 worth of money transferred without his permission out of his account via online banking.<\/em><\/p>\n Now, he has two checking accounts and a savings account. All of them are individual accounts. The transfers are from one checking account with a higher balance that was opened in the middle of 2016 to his other account which has a lower balance but way more transactions.<\/em><\/p>\n So, okay, some with no access to either account went online and transferred money. Seems to be a very weird way to commit identity theft.<\/em><\/p>\n He points to the banker next to me and goes, \u201cI specifically told her that I don\u2019t want these accounts linked!\u201d<\/em><\/p>\n Okay, are we going there, Retard? Is Retard seriously going there? Because I know the banker he\u2019s pointing to would have explained that accounts are added to your online banking automatically. We don\u2019t do anything with your online banking.<\/em><\/p>\n He then explains that he wanted to keep this checking account a secret from<\/em> his wife, and that it had to be his wife taking his money and buying stuff that they don\u2019t need.<\/em><\/p>\n Alright, but she\u2019s not on\u00a0any of these accounts. So I\u2019m confused as to what difference that would make, or how she would\u2026\u2026\u2026\u2026.Oh lord, I know where this is going.<\/em><\/p>\n \u201cDoes your wife know your online banking credentials?\u201d I ask.<\/em><\/p>\n \u201cYes! I gave them to her!\u201d replies Retard. \u201cShe handles my bill payments and all my finances!\u201d<\/em><\/p>\n \u201cWell, let\u2019s change your online banking credentials so that your wife can\u2019t get access to your account.\u201d<\/em><\/p>\n \u201cOh no, I can\u2019t do that,\u201d he replies. \u201cHow am I supposed to pay my bills otherwise?\u201d<\/em><\/p>\n \u201cWell,\u201d I say to this\u00a0grown adult, \u201cmaybe you should take control of your finances. Pay your own bills and manage your own money rather letting someone else do it. Someone who makes unauthorized transactions from your account.\u201d<\/em><\/p>\n Great suggestion, right?<\/em><\/p>\n Not to him. He can\u2019t do that! Only his wife has the capability of paying the bills.<\/em><\/p>\n Rather than take anything resembling basic adult financial responsibility, he wants to blame the bank because we apparently made his money vulnerable to others to take.<\/em><\/p>\n This is despite the fact that he is the only signer on his account and he\u00a0gave his online banking credentials to an unauthorized third party (yes, your wife is an unauthorized third party. Ladies, your husband is an unauthorized third party. An unauthorized third party includes\u00a0every human being on the planet that isn\u2019t you). Instead of taking responsibility for his own life (by simply changing his online password and paying his own goddamn bills), he wants to close his account and go to \u201canother bank\u201d.<\/em><\/p>\n Alright, fine. He just tells me to close the checking account that his wife isn\u2019t supposed to have access to (despite the fact that\u00a0all his accounts are accounts his wife shouldn\u2019t have access to). Despite the fact that it\u2019s over $8,000, we end up giving him cash instead of a check after he throws a stinky stink.<\/em><\/p>\n What\u2019s funny is that when I bring the bills over to him and tell him to give it a count to make sure it\u2019s counted correctly, he tells me \u201cI trust you.\u201d<\/em><\/p>\n Really? Thanks, but isn\u2019t that how you got into trouble in the first place, you f***ing idiot?<\/em><\/p>\n Afterwards, he asks me if his wife would have access to the savings account. Would she be able to transfer money to the still-existing checking account to close it?<\/em><\/p>\n Seriously, Retard? You don\u2019t ever check your online banking yourself? Because you\u2019d know that anyone with access to the online banking would have access to the savings.<\/em><\/p>\n I tell Retard that it is the case and recommend that he change his online banking credentials.\u00a0Nope, he wants to close out his $2,000+ savings account.<\/em><\/p>\n Which means the teller is doing a manual CTR (Currency Transaction Report, triggered whenever someone deposits\/withdraws more than $10,000 in cash in a single day).<\/em><\/p>\n Whatever, the report is sent to the IRS. Retard didn\u2019t want a bank check because he doesn\u2019t have a bank account elsewhere. He asked if he could cash the bank check out with the teller after I gave it to him and I told him absolutely not (why would we give you a bank check and then just cash it?) and then complained that it\u2019s his own money and that he shouldn\u2019t have to pay a check cashing place a fee to cash it.<\/em><\/p>\n I wonder whose money it\u00a0really\u00a0is. Seems like it belongs to your wife now, Retard!<\/em><\/p>\n I hope the IRS sends armed men to bust down his door or something. After all, don\u2019t we call the police whenever you withdraw cash<\/a>?<\/em><\/p>\n Anyhoo, as if this guy possessed the psychological need for me to doubt that\u00a0he\u00a0isn\u2019t stealing his\u00a0wife\u2019s\u00a0money, he asks me a question about a totally different topic.<\/em><\/p>\n Retard just sold his car, but the check from the insurance company was made out to his wife. How does he go about cashing it?<\/em><\/p>\n I suggest having the maker reissue the check to him, but he says they won\u2019t do that. I ask Retard why the check is made out to his wife.<\/em><\/p>\n \u201cBecause the car was under my wife\u2019s name,\u201d answers Retard.<\/em><\/p>\n \u201cSo it\u2019s your wife\u2019s car,\u201d I said.<\/em><\/p>\n \u201cYes.\u201d<\/em><\/p>\n \u201cAnd it\u2019s your wife\u2019s money.\u201d<\/em><\/p>\n A slight nod from him.<\/em><\/p>\n \u201cI think you know the answer to your question,\u201d I tell him.<\/em><\/p>\n What a Retard.<\/em><\/p>\n Customers are stupid.<\/em><\/p>\n These two idiots, whom I had back to back, might well be two of the\u00a0stupidest human beings I\u2019ve ever dealt with in my ten years of banking.<\/em><\/p>\n I can\u2019t even remember all the stupidity I\u2019ve ever dealt with. Are they in the top ten stupidest customers? I\u2026\u2026\u2026..I\u00a0think\u2026\u2026.?<\/em><\/p>\n And after everything, I must\u00a0thank\u00a0them.<\/em><\/p>\n I thank them because without idiots like Moron and Retard, this blog wouldn\u2019t exist. Angry Retail Banker would just be a retail banker who is angry, and the site itself would be nothing.\u00a0Maybe just another bland basic finance site that tells you how to budget by opening a savings account, but most likely there wouldn\u2019t be anything.<\/em><\/p>\n Thanks, Moron and Retard!<\/em><\/p>\n These 2 stories are a little long, but might make you feel better even if you work in traditional retail and not in a bank. \u00a0They have to deal one-on-one with people who sometimes seriously don’t have a clue how things work. \u00a0Wait a second, so do we! \u00a0Enjoy his day about Moron and Retard, Read More…<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-2165","post","type-post","status-publish","format-standard","hentry","category-customer-stories"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"http:\/\/re-tales.net\/index.php?rest_route=\/wp\/v2\/posts\/2165","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/re-tales.net\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/re-tales.net\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/re-tales.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/re-tales.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2165"}],"version-history":[{"count":5,"href":"http:\/\/re-tales.net\/index.php?rest_route=\/wp\/v2\/posts\/2165\/revisions"}],"predecessor-version":[{"id":2176,"href":"http:\/\/re-tales.net\/index.php?rest_route=\/wp\/v2\/posts\/2165\/revisions\/2176"}],"wp:attachment":[{"href":"http:\/\/re-tales.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2165"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/re-tales.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2165"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/re-tales.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2165"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}1) \u201cBut What About My Right To Privacy!?\u201d<\/h1>\n
![\"\"](\"http:\/\/i2.wp.com\/static.tvtropes.org\/pmwiki\/pub\/images\/black-woman-attitude_4523.jpg?zoom=1.25&resize=320%2C263\")
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<\/a><\/em>2) \u201cI Can\u2019t Take Control Of My Own Finances! I\u2019m Only A Grown Adult!\u201d<\/h1>\n
![\""No](\"http:\/\/i0.wp.com\/www.angryretailbanker.com\/wp-content\/uploads\/2017\/01\/ID-100109927.jpg?zoom=1.25&resize=400%2C266\")
<\/a><\/em>Conclusion<\/h1>\n