beust.com— This guy tried to do the right thing with Wells Fargo when his checks got stolen: notify them. He shouldn't have.
Jan 12, 2007View in Crawl 4
My girlfriend is a bank manager. Her comment...Cedric, I fell your frustration and I'm so sorry that it happened to you. I've worked for many banks (WF, BofA, USBank & now California Savings Bank) and this is what I and many good bankers would have done, regardless of which bank you work at:Since you lost a box of checks (150-200 checks) with blank payee, a stop payment would not be possible. Instead, we would have offer to put a memo or account remark stating that check Y through Z were stolen, stating that if these checks are presented for payment, please do not pay. In the meantime, we will set up a new account for you, order you new checks (without fee), and ask you to contact the merchants/companies/vendors that you have ACH credits and debits.If you are not aware of who all those merchants/companies/vendors are, we could also provide you with a statement that shows the history of your account so that you can identify those recurring transactions. When you receive your new checks and you know that your ACH credits/debits are posted in your new account, we can then close your old account (when you call us to do so). In the meantime, if some of your ACH credit/debits come into your old account, a code can added to redirect the transaction to the new account.For future events, if anything like this happens, the best move is to have a face-to-face conversation at a branch (with a branch manager). Words of wisdom: when dealing with customer service, a good idea is to never get angry, keeping them on your side. A smile and a "please can you..." goes a long way. They will do anything for you, especially if you are kind.
And, to hell with people who cannot manage their personal affairs better. No thanks to the incompetent for higher interest rates and service fees to recapture funds that have been 'stolen'. This is exactly why idiot tax is so high.
My checks and ATM card were stolen about 9 months ago. I went and spoke with someone at a Wells Fargo branch. They recommended I close my account and open a new account. They were able to close it due to possible fraudulent activity and transfer all of my direct deposits and bill pays over to the new account. 9 months later, I have yet to have any problems with my new account. According to my banker, they have a system to set up new accounts for people who may have fraud on their old account. It worked for me.Maybe this guy just didn't want to listen, or the CSRs were not clear or poorly trained etc... Maybe this is different depending on state, I dunno. Either way, when something serious like this happens, I always go talk to someone face to face; just seems to go smoother (although not always). If something messes up, you can walk back into the bank and talk to the same person (or know who to avoid/blame).My $0.02
I don't even know Cedric and I wanna kick his ass... this guy is the whiniest bitch ever. He has NO idea how banks really operate and crying about his FAILURE to comprehend what the supervisor was trying to tell him, then his opening an account with Bank of America is seen as nothing more than a temper-tantrum on his part.CEDRIC, GROW UP.
seannessJan 13, 2007
My girlfriend is a bank manager. Her comment...Cedric, I fell your frustration and I'm so sorry that it happened to you. I've worked for many banks (WF, BofA, USBank & now California Savings Bank) and this is what I and many good bankers would have done, regardless of which bank you work at:Since you lost a box of checks (150-200 checks) with blank payee, a stop payment would not be possible. Instead, we would have offer to put a memo or account remark stating that check Y through Z were stolen, stating that if these checks are presented for payment, please do not pay. In the meantime, we will set up a new account for you, order you new checks (without fee), and ask you to contact the merchants/companies/vendors that you have ACH credits and debits.If you are not aware of who all those merchants/companies/vendors are, we could also provide you with a statement that shows the history of your account so that you can identify those recurring transactions. When you receive your new checks and you know that your ACH credits/debits are posted in your new account, we can then close your old account (when you call us to do so). In the meantime, if some of your ACH credit/debits come into your old account, a code can added to redirect the transaction to the new account.For future events, if anything like this happens, the best move is to have a face-to-face conversation at a branch (with a branch manager). Words of wisdom: when dealing with customer service, a good idea is to never get angry, keeping them on your side. A smile and a "please can you..." goes a long way. They will do anything for you, especially if you are kind.
miratimJan 13, 2007
It's called revolving credit. It's a pretty standard thing that if you don't pay off a balance, you get charged interest on the average daily balance.
khyberkitsuneJan 13, 2007
This account has been closed by the user
eclipsJan 13, 2007
And, to hell with people who cannot manage their personal affairs better. No thanks to the incompetent for higher interest rates and service fees to recapture funds that have been 'stolen'. This is exactly why idiot tax is so high.
katoreJan 13, 2007
My checks and ATM card were stolen about 9 months ago. I went and spoke with someone at a Wells Fargo branch. They recommended I close my account and open a new account. They were able to close it due to possible fraudulent activity and transfer all of my direct deposits and bill pays over to the new account. 9 months later, I have yet to have any problems with my new account. According to my banker, they have a system to set up new accounts for people who may have fraud on their old account. It worked for me.Maybe this guy just didn't want to listen, or the CSRs were not clear or poorly trained etc... Maybe this is different depending on state, I dunno. Either way, when something serious like this happens, I always go talk to someone face to face; just seems to go smoother (although not always). If something messes up, you can walk back into the bank and talk to the same person (or know who to avoid/blame).My $0.02
dasufiJan 13, 2007
how many cheques can a czech check if a czech can cheque a check?
irimiJan 13, 2007
...
bkladdJan 14, 2007
Why move from one huge s**tty bank, to another huge s**tty bank? Credit Unions are the only way to go.
kidukaApr 2, 2008
Sure would hate to be him.Advice related article: <a class="user" href="http://hubpages.com/hub/State-Farm-Insurance-Advice">http://hubpages.com/hub/State-Farm-Insurance-Advic ...</a>
Closed AccountSep 16, 2008
I don't even know Cedric and I wanna kick his ass... this guy is the whiniest bitch ever. He has NO idea how banks really operate and crying about his FAILURE to comprehend what the supervisor was trying to tell him, then his opening an account with Bank of America is seen as nothing more than a temper-tantrum on his part.CEDRIC, GROW UP.
elgstrDec 31, 2008
Reno?s Mortgage Fraudster Richard Vaughan, formally of Wells Fargo, is a simple, undereducated, preaching buffoon. He is half a baby step away from the homeless people who babble to themselves in the street. He may well be insane, it's hard to tell without seeing him in person. Just stop. Stop embarrassing yourself and go away. Far away. Far away where the terrorist landlords and second home rider fraudsters run free and loan officers illegally make-up loan applications and area managers fire honest loan officers and chase butterflies in fields of sunflowers. Go be with the terrorist loan officers and second home rider fraudsters, Reno?s Mortgage Fraudster Richard Vaughan, formally of Wells Fargo. Let them pet your head and tell you the truth. Now go Reno?s Mortgage Fraudster Richard Vaughan, formally of Wells Fargo, be free, be with your people. Run along sweet cheeks, run along. Good boy, good.... ?Reno?s Mortgage Fraudster Richard Vaughan, formally of Wells Fargo, you lookin' at me? You look' at me? Are you lookin' at me?" It's awesome. Not only is he dumb dumb, he?s totally looped Reno?s Mortgage Fraudster Richard Vaughan, formally of Wells Fargo, you can't hide what you are and what you do. You are a sanctimonious psycho bitch. I think Bristol Palin?s retarded fetus is more qualified to be human or a loan officer than Reno?s Mortgage Fraudster Richard Vaughan, formally of Wells Fargo is. Prudential Nevada Realty?s Keith W. Gledhill Mortgage Fraudster, are you trying to out-stupid yourself?! If so, mission accomplished boy! Go treat yourself to a Nazi pie! Reno?s Mortgage Fraudster Richard Vaughan, formally of Wells Fargo, if you send me a postage pre-paid 3 x 3 x 3 box, I'll mail you the ***** Eleanor and Gertrude produced on your fraudulent second home loan applications and fraudulent home loan applications. I can also send you a clump of their urine (complete with litter) if you like. Next person to call this dumb, crazy prick a dick will get a -1 on their comment from me. Take that, potty mouths.Now Is The Time For All Good Citizens To Save Their Cash, <a class="user" href="http://reno.broowaha.com/article.php?id=3891;">http://reno.broowaha.com/article.php?id=3891;</a>and In God We Trust; All Others Must Pay Cash, <a class="user" href="http://reno.broowaha.com/article.php?id=4128;">http://reno.broowaha.com/article.php?id=4128;</a> and Jack Cafferty, Equal Opportunity Gadfly, <a class="user" href="http://www.broowaha.com/article.php?id=4425;">http://www.broowaha.com/article.php?id=4425;</a>and Corporationism Rules Or The Dog Gets It, <a class="user" href="http://www.broowaha.com/article.php?id=4265;">http://www.broowaha.com/article.php?id=4265;</a> and No More Donations Without Representation. <a class="user" href="http://reno.broowaha.com/article.php?id=4375;">http://reno.broowaha.com/article.php?id=4375;</a> and Good Guys Don't Have Degrees Of Integrity, <a class="user" href="http://reno.broowaha.com/article.php?id=4247;">http://reno.broowaha.com/article.php?id=4247;</a> and Flame Wars, <a class="user" href="http://www.broowaha.com/article.php?id=4347,">http://www.broowaha.com/article.php?id=4347,</a>and Does He Play Well With Others?, <a class="user" href="http://www.broowaha.com/article.php?id=4343,">http://www.broowaha.com/article.php?id=4343,</a>and Who Is A Reporter, Given The Millions Of Bloggers?, <a class="user" href="http://www.broowaha.com/article.php?id=3684.">http://www.broowaha.com/article.php?id=3684.</a> El G