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Interesting Situation At Credit Union Today

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Author Previous TopicReplies: 36 / Views: 5,392Next Topic Page 3 of 3
Rest in Peace
United States
1729 Posts
 Posted 05/14/2010  10:38 am  Show Profile   Bookmark this reply Add pls to your friends list
I've never had a problem at my CU ... I'm talking 22 years and counting ... but then I never tried to deposit a heavy box of halves. I'd suggest a heart-to-heart chat with the manager (after you calm down) and find out what the real problem was. Try to see it from their viewpoint, too. Then make a decision as to whether you want to continue your business with them (do you really want to go through the expense and hassle of moving your car loan somewhere else?) and tell them straight out if you decide to terminate the loan. They'll appreciate the feedback, and if they're like most credit unions, they'll try to keep your business.
Pillar of the Community
United States
1523 Posts
 Posted 05/14/2010  10:52 am  Show Profile   Bookmark this reply Add Halfwitty to your friends list
Whatever happened to "The customer is always right and Anything to please the customer?" Have those concepts gone by the wayside along with common sense in this country?Geez. I would get straight on the horn and have a chat with the President of this credit union, wherever he or she may be.You would be surprises what climbing the chain of command can get you.
Pillar of the Community
United States
7840 Posts
 Posted 05/14/2010  11:21 am  Show Profile   Bookmark this reply Add oih82w8 to your friends list
The CU that I am presently using odes not accept rolls anymore, that is what the change machine (like coinstar) is for in the lobby. No surcharge for CU members. I have not asked if they will provide rolls of coins, although they do not provide empty rolls anymore.
Pillar of the Community
United States
1523 Posts
 Posted 05/14/2010  11:34 am  Show Profile   Bookmark this reply Add Halfwitty to your friends list
Completely different situation.He was there to pay a bill, not just turn in change.They should have accepted his coins as payment.
Valued Member
United States
300 Posts
 Posted 05/14/2010  12:22 pm  Show Profile   Bookmark this reply Add L1011 to your friends list
As I've said, an eggplant in one chase branch denied my deposit of rolled coins, what added to the eggplants dishonesty, was this wasn't the first time I'd deposited there, at the time, I'd been going there for months(usually 1-2 times a week)and then one day it comes over to the counter and asks "do use have an business account?" I know it already knew I didn't, I said no, then it said "you can't deposit coins here anymore, it's chase policy" I said fine, then after inquiring in another branch, they told me there, they've NEVER heard of a chase policy like that before, typical eggplant, it was lying to me
Pillar of the Community
United States
781 Posts
 Posted 05/14/2010  1:27 pm  Show Profile   Bookmark this reply Add jedichef to your friends list
I'm not 100% on this, but I think that if they refused to accept your money that was to be used to pay a debt (car loan, etc) that had the lien holder as the credit union, then I think that payment should be nullified since you made due diligence and made an effort to pay. There's also a video on the internet about a young who tries to retrieve his car from a private impound yard. he attempts to pay the release fee in pennies. the owner or person in charge refused the payment. the police were called and told the owner that he either takes the payment of pennies or has to give the car back since a sincere attempt was made to pay the fee in legal tender. the owner finally took the penny payment. so I think you have a valid argument for them to either accept your deposit or to credit you the payment you intended to pay.
Valued Member
United States
300 Posts
 Posted 05/14/2010  2:25 pm  Show Profile   Bookmark this reply Add L1011 to your friends list
I'm not trying to , after my encounter with the eggplant at chase bank, I called them and asked just how much latitude does a branch manager (or for that fact, the bank itself)has in regards to an account they service? the bank, the branch manager and probably any employee can refuse ANY type of Deposit they want, I've heard of people taking their property tax's due down to the courthouse,all in cents, they refused to accept it
Pillar of the Community
United States
4333 Posts
 Posted 05/14/2010  7:18 pm  Show Profile   Bookmark this reply Add fistfulladirt to your friends list
Yes, that is BS for that CU to not accept the coin for a payment. They could have made arrangements , they are able to transport coin across town on their own, if needed.
Those vaults are tiny. My wife works for a CU. I used to dump my coin there, until recently, in $500 bags. Depending on what day of the week, (they ship/receive once a week), 4 bags of dimes may fill the vault. This one is the size of a small refrigerator.
I lost my dumping privledges because the vault count kept coming up short, no fault of mine,(I don't count my hand-rolled or machine rolls, just dump into bags, no problems in two years).
When I listen to LED ZEPPELIN...so do my neighbors...
Roll hunting since '77
Dirt fishing since '72
Pillar of the Community
United States
858 Posts
 Posted 05/14/2010  8:04 pm  Show Profile   Bookmark this reply Add Silver Eagle to your friends list
Thanks to all for your feedback. I guess I was more surprised, than anything else, at the lack of decent customer service. The teller wasn't outright rude, but she was not friendly at all, which never helps a situation. I'm not a demanding customer by any means, but to refuse someone's payment is never acceptable. The teller should have accepted the payment and asked her manager what to do with the overflow from the vault. If the vault is that small, where a single box of coins will not fit in there, I see that as a problem.
I was a commercial teller for 2 years and have seen some big deposits: 10 boxes of quarters, $10,000 in singles that I had to run through the counter machine and various other tedious deposits. But I never complained because it was my job to service customers and this is what I was paid to do. I would never have inconvenienced the customer by denying their deposit. It is better to inconvenience the bank than a customer.
Unfortunately, I did not have time today, but I will call and inform the manager of the situation. Maybe they will see this situation as a stepping stone to improve their customer service.
Valued Member
United States
300 Posts
 Posted 05/15/2010  12:35 am  Show Profile   Bookmark this reply Add L1011 to your friends list
I'm not convinced that the banks now days are concerned about customer care
Pillar of the Community
United States
1285 Posts
 Posted 05/15/2010  08:21 am  Show Profile   Bookmark this reply Add Ceylon62 to your friends list
Grace has a valid point based on my own experience - "What if they actually had no room in the vault on their shelves? They asked if you could come back the next day no doubt after an armored pickup"

Once I was told the same and it took me over 3 weeks to figure out WHY? Bottom line was that the vault way over the limit in "ABSOLUTE $'s". Ergo they had to ship out. If they took any more in large amounts of coin it would have got the senior teller in trouble for having way too much coin as it would have triggered bells and whistles all over the place.

FWIW - This week one of tellers had a whole bunch of $1 dollar bills and asked me to dump the $1's I was exchanging with him else where and come back with large bills for another exchange. He needed to get rid of about 5k in $1 bills and I helped him out. My perspective on these situations is that these are bilateral agreements as this same teller calls me when there are crisp un circulated $1 bills in his shipments for me to buy and search through.

Yes there are some tellers who are totally moronic and problematic - My answer is move on.

Peace
Pillar of the Community
United States
4000 Posts
 Posted 05/15/2010  09:01 am  Show Profile   Bookmark this reply Add Scooby Due to your friends list
I'm not comprehending a bank or vault having too much money. Maybe I'll call my branch and offer them a "bailout" if that ever happens again.
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United States
5953 Posts
 Posted 05/15/2010  09:56 am  Show Profile   Bookmark this reply Add nohope587 to your friends list
I have seen the vault in my local CU it will hold 2 boxes of half dollars and little else. I have to pick up my boxes on the day they arrive if at all possible. I don't take coins back to them Small branches just don't have the volume of transactions to warrant a large vault.
Valued Member
United States
89 Posts
 Posted 05/20/2010  1:35 pm  Show Profile   Bookmark this reply Add Canadiansailor to your friends list
Sounds to me like they just didn't want to count all the coins. People can be very lazy these days. Just ask me...I'll get back to you later
Valued Member
United States
300 Posts
 Posted 05/20/2010  1:40 pm  Show Profile   Bookmark this reply Add L1011 to your friends list

Quote:
Sounds to me like they just didn't want to count all the coins. People can be very lazy these days. Just ask me...I'll get back to you later


Pretty much Spot On.....
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