C
conniecat
Guest
When I bought the van, I told the seller I wouldn't be able to get the money from my CD until January, but I would do it on the 2nd. She let me take the van home early, I gave her a check for the rest of the purchase price and told her I would call her when she could cash it. Well,yesterday, I went to The bank where my CD is to get out the money for the van, taxes and license.
My personal banker had of course left for the day at 1PM. I signed in, and a teller came and got me. I explained what I wanted to do, and she said she didn't know if that was possible. I kept my self control and explained nicely that I had opened that kind of account because it was supposed to be possible. She then told me that she was new, and didn't know how to do it. She kept running to the back to ask how every time a new screen appeared. Finally, someone else came out to help her and they cut me a cashier's check.
I took that check to my checking account, US Bank and took it to the drive up window. The teller was on the phone and not paying the slightest attention to what she was doing. Finally, another teller came out and sent my receipt out. Then she told me that they had a lot of fraud this time of year, and because my account showed that I usually don't make that large a deposit, they were going to hold the check for two weeks. I could have half on Thursday and the rest on the 15th. I explained to the clerk that I had written a check for a vehicle, and the seller was waiting to deposit it tomorrow, and if she did it would bounce. They basically said, "Tough, we don't trust you".
I drove home, getting more and more angry as I went. When I got home, I called the bank and asked to speak to a manager. I got the teller who had waited on me, she was the drive up manager. She went thru the whole explanation again, and said that she couldn't even give me the check back because it had been sent for deposit at 2 PM and now it was just after. I told her I had been a customer in that bank since 1983 and I had made large deposits before. Not in the last year she said. So I asked for her manager. We had the same conversation, so I asked for HER manager. This one told me I had not had an account there since 1983, but only since 2001. (when I changed accounts after TJ got married, just the account, not the bank.) In other words, I was a liar and not trustworthy.
I explained it was a cashier's check from the other bank. She said those were easy to forge. Why did I go to them in the first place, and why didn't I just get cash from them? I didn't tell them I didn't get the CD from them because I don't trust them, so I just explained that I had taken money from my IRA to pay for the car I had bought, and I didn't want to carry that much cash between banks. She asked did I have anything to prove that, and I said yes I had the paperwork. She said bring that in.
So, I got in the car and drove back to the bank, and went thru several managers again until one looked at my paperwork and said, "Ok, this is what we needed, we will release your deposit tomorrow!" No apology. Tj says he has had some problems with US Bank also, so I will be closing that account in the future.
At least we got it registered for the temp tags so I am legal, but
I still need to get the license plates. I was waiting for Jane's copy of the lien release. I wondered why it hadn't come in the mail, then when I went to throw out a catalog,it fell out. Now I wonder how much other mail I have tossed that way. I am on everyone's sucker list, I get loads of catalogs. I finally got my personal property tax receipt, too, several days late. Can't wait to see what happens at the license bureau this time. It will be my third trip! Jane says if they give me any more trouble, to come out there and we will go together again to her office. nothing is ever easy, is it? me
My personal banker had of course left for the day at 1PM. I signed in, and a teller came and got me. I explained what I wanted to do, and she said she didn't know if that was possible. I kept my self control and explained nicely that I had opened that kind of account because it was supposed to be possible. She then told me that she was new, and didn't know how to do it. She kept running to the back to ask how every time a new screen appeared. Finally, someone else came out to help her and they cut me a cashier's check.
I took that check to my checking account, US Bank and took it to the drive up window. The teller was on the phone and not paying the slightest attention to what she was doing. Finally, another teller came out and sent my receipt out. Then she told me that they had a lot of fraud this time of year, and because my account showed that I usually don't make that large a deposit, they were going to hold the check for two weeks. I could have half on Thursday and the rest on the 15th. I explained to the clerk that I had written a check for a vehicle, and the seller was waiting to deposit it tomorrow, and if she did it would bounce. They basically said, "Tough, we don't trust you".
I drove home, getting more and more angry as I went. When I got home, I called the bank and asked to speak to a manager. I got the teller who had waited on me, she was the drive up manager. She went thru the whole explanation again, and said that she couldn't even give me the check back because it had been sent for deposit at 2 PM and now it was just after. I told her I had been a customer in that bank since 1983 and I had made large deposits before. Not in the last year she said. So I asked for her manager. We had the same conversation, so I asked for HER manager. This one told me I had not had an account there since 1983, but only since 2001. (when I changed accounts after TJ got married, just the account, not the bank.) In other words, I was a liar and not trustworthy.
I explained it was a cashier's check from the other bank. She said those were easy to forge. Why did I go to them in the first place, and why didn't I just get cash from them? I didn't tell them I didn't get the CD from them because I don't trust them, so I just explained that I had taken money from my IRA to pay for the car I had bought, and I didn't want to carry that much cash between banks. She asked did I have anything to prove that, and I said yes I had the paperwork. She said bring that in.
So, I got in the car and drove back to the bank, and went thru several managers again until one looked at my paperwork and said, "Ok, this is what we needed, we will release your deposit tomorrow!" No apology. Tj says he has had some problems with US Bank also, so I will be closing that account in the future.
At least we got it registered for the temp tags so I am legal, but
I still need to get the license plates. I was waiting for Jane's copy of the lien release. I wondered why it hadn't come in the mail, then when I went to throw out a catalog,it fell out. Now I wonder how much other mail I have tossed that way. I am on everyone's sucker list, I get loads of catalogs. I finally got my personal property tax receipt, too, several days late. Can't wait to see what happens at the license bureau this time. It will be my third trip! Jane says if they give me any more trouble, to come out there and we will go together again to her office. nothing is ever easy, is it? me
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