dental office receptionist primitive challenges bank

[franksolich]

http://www.democraticunderground.com/discuss/duboard.php?az=view_all&address=389x7642414

Oh my.

PCIntern  (1000+ posts)        Thu Feb-04-10 07:52 PM
THE DENTAL OFFICE RECEPTIONIST PRIMITIVE
Original message

I have finally heard a new definition of "chutzpah" - Un-frigging-believable...

OK, so here goes:

(I'm so frigging mad I almost capitalized this, but thought better of it)

I have an employee who has been with me for 27 years and has been through the mill in every way imaginable. She is one of the most loyal people I've ever met and once told me that she would work for me for the rest of her life without question. So of course, I stand ready to help her at any time.

She tells me that she had deposited a check drawn on the bank in which I make my payroll (but not her payroll check). since it was the same bank, she assumed that the monies would clear quickly, so she wrote checks to pay 10 or 12 bills. Well, when she went to deposit her payroll check, issued my me, she was told that her bank balance was STILL overdrawn...

Still overdrawn...WTF? It turned out that they 'held' the original check for three days, allowing 12 checks to bounce, charging her 35 dollars per check, and other charges. but this is where the story only BEGINS to get interesting...

So I know the manager of the bank rather well...he's a patient of mine, and always greets me well, so I told my employee to contact him directly, and he might be able to reverse at least some of the charges, right? Now if I were reading this post, I would assume that the poster, was upset b/c he didn't do this for her/me.

that is NOT why I'm this upset...

He said to her: "Actions have consequences. I would consider reversing some of these BUT what would stop you from doing this in the future?" And then he said the magic sentence:

"You need to come in for re-education."

RE-****ING-EDUCATION?

This coming from an industry which sank its own ships and kept the booty? So I called him up...we'll say his name is John:

Me: John this is (PC Intern) How are you?

John: Great, actually, how's your family?

Me: Terrific, but something's not-so-hot.

John: (Genuinely concerned) What's the matter?

Me.: (Succinct Explanation of the above)

John: Well, I understand how you must feel, but bank policy...

Me: Let me say this before you waste your breath...I don't give a hoot in Hell about "Bank Policy" If you don't reverse all of her charges today, I'm picking up stakes and going down the street to another bank, and one more thing: You had best better tell your Superiors in Trantor or Gaia or Atlantis or wherever their new HQ is since the bailout, that if I ever hear the word "Re-education" not affiliated with a Gulag somewhere, I'm gonna go to the Press about this.

John: (Silence)

Me: In all the years I've known you, have I ever done anything but smile and do the 'pleasantries' bit? Mark my words, I am MAD.

John: I'm really sorry, and I'll see what I can do.

Me: I certainly hope so. I look forward to seeing you on Saturday when I bring in my weekend deposit.

****************

This fokking Banking Industry is gonna lecture US on responsibility? BASTARDS

dotymed  (900 posts)        Fri Feb-05-10 05:10 AM
Response to Reply #1
 
71. Unfortunately, 

I recently received a letter from my Credit Union. It seems that while we were telling everyone to switch to credit unions, they were raising their fee's and aligning their policies to those of the Big Banks.........sickening their greed...

Rick Myers  (1000+ posts)      Thu Feb-04-10 07:59 PM
Response to Original message
 
5. Excellent!!!!!

We have just been informed by the lovely TCF Bank in Minneapolis that our free senior checking is about to cost $10.00 a month!!! Already have a new bank!!!

Generic Other  (1000+ posts)      Thu Feb-04-10 08:37 PM
Response to Original message
 
23. This seems to be happening to everyone

People with auto deposit are finding that checks that arrive on payday are being put in the system ahead of the paycheck on purpose, so they will bounce.

We have always paid bills due the first of the month a day or two early and mailed them anticipating that the money will be deposited by the time the checks clear the bank thus avoiding late fees on bills. Suddenly this method is causing checks to bounce. This has only been happening the last few months.

You can be sure no check leaves my house anymore before the auto deposit is made. Never had checks bounce like this before. The banks are doing anything they can to shake us down.

bobbolink  (1000+ posts)        Thu Feb-04-10 08:38 PM
#02 TOP PRIMITIVE OF 2009
Response to Original message

24. Bank Chairman Mao?

"Reeducation"???

This is the treatment poor people get.... not a middleclass employee.

This is like one food bank I saw... it REQUIRES anyone who gets food there, no matter how little, to take a "money management" course first!!

You see, if your job pays you too little to cover all your bills, or you got laid off, YOU NEED TO LEARN TO HANDLE YOUR MONEY BETTER.

Again, I thought it was only poor folk that got this kind of shit.

Understand now why we poor folk are so angry a lot of the time? This is usual stuff for us!

csziggy  (1000+ posts)      Fri Feb-05-10 02:07 AM
Response to Reply #28
 
62. That is exactly what happened with the Savings & Loan I had my accounts with in 1988

They had never put a hold on any deposits, then suddenly started putting the maximum length hold possible on every deposit, no matter how good a record a customer had with them.

The manager of the local branch told me there was nothing she could do about it. I told her that there was no way I could live with that policy and moved my accounts the next day. I also told her and the tellers on duty that they should be applying for jobs elsewhere since I did not think the company would survive the number of customers they would lose. They were closed in less than a month.

I'd get my money out of that bank immediately.

Lorien  (1000+ posts)      Fri Feb-05-10 02:31 AM
THE LYING LORIEN PRIMITIVE
Response to Reply #28

65. I had the same thing happen, only they didn't send out a note about the new "policy" they just hit me with hundreds of dollars in bounced check fees. I got them to reverse about half of them. Then I moved my money to a new bank.

Lorien  (1000+ posts)      Fri Feb-05-10 02:29 AM
THE LYING LORIEN PRIMITIVE
Response to Original message

63. My credit union's new policy is to hold non company checks for 13 business days

I discovered this after racking up $446 in bounced check fees. Thanks for telling them what for! The gall of those people never ceases to amaze me.

Mopar151 (1000+ posts)        Fri Feb-05-10 04:30 AM
Response to Original message
 
70. On a related note

I breifly had a job last summer with a place that used a shady temp agency. I'm in NH, and we have fairly strict labor laws about paydays, and being paid off when you leave a job. I've previously posted about this in a lounge post on "the worst boss you ever had"

Anyway - this temp agency, based in MA, paid me with a check drawn on a bank in Chicago (IIRC). I deposited it through an ATM. I then, foolisly used the money to buy gas, groceries, and the like - my wife was hospitalized at the time, and I was paying attention to her. The bank did not credit my account for 4 days, causing me to be assessed $108 in fees for overdrafts.

AFIK, I have yet to receive a w-2 from the cretins at the temp agency, which does not surprise me, as they violate other labor laws with impunity.

has anyone else encountered a similar situation?

[Alpha Mare]

My bank has their deposit policy posted at every window. Cash/local checks deposited after 2 pm are available the next day; out of town checks/3 days; out of state/7 days. Banks have always cleared checks before crediting any deposits made the same day.

[JohnnyReb]

My bank has their deposit policy posted at every window. Cash/local checks deposited after 2 pm are available the next day; out of town checks/3 days; out of state/7 days. Banks have always cleared checks before crediting any deposits made the same day.

But...but....but....nevermind, I was going to try to make a funny DUmmie statement but my mind refuses to go into DUmmie mode this morning.

[BlueStateSaint]

Why did I know that we'd be seeing Bobbo the hobo?

bobbolink  (1000+ posts)        Thu Feb-04-10 08:38 PM
#02 TOP PRIMITIVE OF 2009
Response to Original message [/color]

24. Bank Chairman Mao?

"Reeducation"???

This is the treatment poor people get.... not a middleclass employee.

This is like one food bank I saw... it REQUIRES anyone who gets food there, no matter how little, to take a "money management" course first!!

That's because most of those who are homeless spend all of their money on alcohol.  First things first!  (Ya know, like "food" and "somewhere to sleep.")

You see, if your job pays you too little to cover all your bills, or you got laid off, YOU NEED TO LEARN TO HANDLE YOUR MONEY BETTER.

That would follow--you have to learn to handle the remainder of what you have left, and not drink yourself to death.

Again, I thought it was only poor folk that got this kind of shit.

Understand now why we poor folk are so angry a lot of the time? This is usual stuff for us!

And having to deal with your useless drivel, Bobbo, is usual stuff for us.

[Carl]

Why did I know that we'd be seeing Bobbo the hobo?

That's because most of those who are homeless spend all of their money on alcohol.  First things first!  (Ya know, like "food" and "somewhere to sleep.")

That would follow--you have to learn to handle the remainder of what you have left, and not drink yourself to death.

And having to deal with your useless drivel, Bobbo, is usual stuff for us.

Yep..that from someone who I hear has been living in her car for years.
She has done such a good job of managing life.

[FlaGator]

We have always paid bills due the first of the month a day or two early and mailed them anticipating that the money will be deposited by the time the checks clear the bank thus avoiding late fees on bills. Suddenly this method is causing checks to bounce. This has only been happening the last few months.

Just keep a little more money in your checking account and this won't be an issue. This is really simple don't write a check when the money is not in the bank. If you anticipate the cash being there then you are doomed to have these problems. Pay next week's bills with the money deposited this week... Why is this so difficult for libs.

[Thor]

I find it odd and disturbing that checks can be cleared THAT very MOMENT by companies like Sam's Club, Walmart, Sears, and many others. Why must a bank even hold a check for any amount of time?? Either it's good or it's not. I thought that there was a law passed a few years ago saying that when one writes a check, that the funds can be made available immediately?? The banks don't seem to be honoring that law and raping their customers in the process with wrongfully imposed fees. I just recently read an article on a similar subject. Banks would process all of the checks written on an account before they would process any deposits, regardless of the actual order they hit the bank. This resulted in many bounced check fees. It's all a money making scheme.

[The Village Idiot]

My bank has their deposit policy posted at every window. Cash/local checks deposited after 2 pm are available the next day; out of town checks/3 days; out of state/7 days. Banks have always cleared checks before crediting any deposits made the same day.

They obviously think banks should work for free.

[Celtic Rose]

I find it odd and disturbing that checks can be cleared THAT very MOMENT by companies like Sam's Club, Walmart, Sears, and many others. Why must a bank even hold a check for any amount of time?? Either it's good or it's not. I thought that there was a law passed a few years ago saying that when one writes a check, that the funds can be made available immediately?? The banks don't seem to be honoring that law and raping their customers in the process with wrongfully imposed fees. I just recently read an article on a similar subject. Banks would process all of the checks written on an account before they would process any deposits, regardless of the actual order they hit the bank. This resulted in many bounced check fees. It's all a money making scheme.

It seems odd to me as well.  I know that for very large checks, my bank can take over a week to clear the check, but they make that very clear, it is on the receipt, I got a phone call from the bank, and when I checked my balance online they had a message there as well.  I've never had an issue with a regular check.  My bank seems to credit any deposits to my account right away, and I'll be honest, if I had a bunch of fees like you mention, I would probably complain to my bank as well. 

I did have a paycheck bounce once when I was in high school.  That sucked.  Fortunately, I deposited it right before I went on a mission trip with my church, so I didn't have the chance to spend anything before the bank notified me. 

[Splashdown]

I smell a rat.

One time, I mis-scheduled a series of bills to be paid after a direct deposit. I screwed up, missing the deposit day by one day. Needless to say, checks had insufficient funds. I called the bank, and even though it was MY MISTAKE, they forgave the NSF fees ($10 per check) and told me to have a nice day. It was the only time that had ever happened.

Something tells me this isn't the first time that that employee has bounced a check from that bank. Just sayin'

[Alpha Mare]

I find it odd and disturbing that checks can be cleared THAT very MOMENT by companies like Sam's Club, Walmart, Sears, and many others. Why must a bank even hold a check for any amount of time?? Either it's good or it's not. I thought that there was a law passed a few years ago saying that when one writes a check, that the funds can be made available immediately?? The banks don't seem to be honoring that law and raping their customers in the process with wrongfully imposed fees. I just recently read an article on a similar subject. Banks would process all of the checks written on an account before they would process any deposits, regardless of the actual order they hit the bank. This resulted in many bounced check fees. It's all a money making scheme.

Businesses use EFT, Electronic Funds Transfer, to clear checks at the sale. No more bad checks.  I use it at my store. I have to pay fees on each check.

[delilahmused]

I do have to say I kind of agree with him about the lecture part...if it happened. They don't have any business lecturing anyone after being bailed out for their own irresponsibility. Granted, not all of them needed or wanted the bail out but the industry in general weren't acting like banks, they were acting like Democrats.

Cindie

[Mike220]

She ****ed up. With online banking, if you don't know how much cash is in your account, that's your own damn fault. I don't write a check without looking at my account to make sure I have the money to cover it.

I know common sense escapes the DUmbasses though...

[SSG Snuggle Bunny]

OK, so the check she originally deposited came from the same bank that payroll check is drawn off of.

So?

The OP says plainly its not the same account. Even you get paid out of a BofA account it doesn't mean EVERY single BofA account has sufficient funds and will be immediately honored.

Did she deposit the original check in her own bank account from a different bank? I'll assume no based on the tenor of the OP but even still the check could have come from an out of state branch and it still has to move through the reserve system. What that entails is guards collecting the checks and physically moving them to one of 7 centers that service the entire frickin US of A. There, humans enter the data manually where it is recieved by other humans and forwarded to the appropriate banks. The check itself must still clear and report back. In short, this is NOT a process handled internally by the bank.

The OP is also silent as to whether the original check had sufficient funds. It may have from the sound of the OP but DUmmies tend to omit inconvenient facts.

Of course the big give away is: other checks were clearing during this 3 day period. Now, I HIGHLY doubt that those 10 to 12 other checks were exclusively in state to people who use the exact same bank. In other words, those checks were arriving at other banks scattered hither and yon and were also taking 3 to 7 days to clear--plus mailing time--which means: SHE WAS WRITING CHECKS FOR WHICH SHE HAD NO AVAILABLE FUNDS

I wonder if MN has rubber check laws?

[franksolich]

I wonder if MN has rubber check laws?

The dental office receptionist primitive takes calls and schedules appointments in Philadelphia, Pennsylvania.

[formerlurker]

MSN -- I agree, she wrote checks well prior to the deposit (who deposits payroll checks anymore anyway?  doesn't everyone do direct deposit?).   That said, the re-education comments were outrageous, and I applaud the dentist for blasting the bank. 

Banks right now shouldn't be lecturing anyone on money.   It's good customer service to knock off a few of those charges, especially when a prominent customer is calling on their behalf. 

[SSG Snuggle Bunny]

"MSN?"

 

Still, IF that is actually what the mgr said then he was out of line. Regular customers bring a sense of ease and perhaps the mgr got too relaxed in the presence of familiar company.

[formerlurker]

"MSN?"

 

Still, IF that is actually what the mgr said then he was out of line. Regular customers bring a sense of ease and perhaps the mgr got too relaxed in the presence of familiar company.

LOL -- MSB.  My apologies sir!!!

[USA4ME]

Woah!  Time out.

"Re-education" is a liberal's dream that the dentist office receptionist primitive should more than welcome.  Subtle paternalism toward the poor and middle class is the foundation of liberal policies. Unlike the rich who are presumed to know what they want (which liberals are dead set on thwarting), poor and middle class Americans are presumed to need guidance on how to live their lives (or a "nudge" in the parlance of the faddish behavioralists in Dear Leader's Administration). They need to be told that it is a good idea to work, take care of your children, go to college, and have health insurance.  Because of that, liberals do things like create a tax credit for every virtue.  This form of re-education is simply a form of tax credit offered by the bank in order to guide/nudge the account holder as to how and better live their life.

.

[SSG Snuggle Bunny]

Woah!  Time out.

...

Point to you sir.

[BEG]

Once my husband's work deposited the employees checks three days late.  They are paid every other friday and somehow screwed up the auto-deposit and they were deposited on Monday.  
We didn't bounce any checks but a few of the guys who worked for my husband did ( I don't know about anyone else in the company).  The company paid all fees involved in the mix up.  

[GOBUCKS]

This whole story, of course, is a bouncy lie, made up for the sole purpose of making the DUmp believe this DUmmy has an "employee" and a "payroll". Then the fantasy proceeds to where the DUmmy lectures a bank executive, much like how Pitt lectured Ty the bouncer, and forces the executive into cowering compliance. All a lie, every word.

But the comforting constant, with all the lies and turmoil at the DUmp, is still present:

while we were telling everyone to switch to credit unions, they were raising their fee's

No matter what happens, DUmbasses will still use an apostrophe when they write a plural noun.

[AllosaursRus]

I smell a rat.

One time, I mis-scheduled a series of bills to be paid after a direct deposit. I screwed up, missing the deposit day by one day. Needless to say, checks had insufficient funds. I called the bank, and even though it was MY MISTAKE, they forgave the NSF fees ($10 per check) and told me to have a nice day. It was the only time that had ever happened.

Something tells me this isn't the first time that that employee has bounced a check from that bank. Just sayin'

Nooooooooo kiddin'! My bank has a way for me to check my balances minute by minute. Don't write checks your ass can't cash!!!!

For one, it's against the law, for two, you won't have bounced check fees!

ETA: ( besides, I pay my bills by credit card, and then pay the credit card off. You never have to worry about the timeline, or late fees. DUmmies is soooooo stooooopid! )

[The Village Idiot]

Nooooooooo kiddin'! My bank has a way for me to check my balance's minute by minute. Don't write check's your as's can't cash!!!!111!1

There, now the DUmmies might understand

[njpines]

This whole story, of course, is a bouncy lie, made up for the sole purpose of making the DUmp believe this DUmmy has an "employee" and a "payroll". Then the fantasy proceeds to where the DUmmy lectures a bank executive, much like how Pitt lectured Ty the bouncer, and forces the executive into cowering compliance. All a lie, every word.

Exactly!  I thought this PCIntern dummie was part of the office cleaning crew . . .