錯誤連連，美國銀行管理上有漏洞?

 

 

今天我去花旗銀行的一家分行存賣彩票的現金，因為過去曾發生過多起我數的錢數和銀行工作人員不一致的現象，這次臨行前我特意反複數過三遍，在確定數額正確無誤的情況我才趕往銀行，可謂胸有成竹。但意外還是發生了，下麵是我和前台服務員之間的對話:

 

"有什麽可以幫忙嗎?"

"我想存錢。"

"存多少?"

"我數過了，你再數數吧。"

"$1700。"

"不對，是2000。"

那個女人看了我一眼，又低頭數了一遍說:

"是1700。"

"不對，是2000，你為什麽不用點鈔機數一下呢?"

 

我建議她，她沒理睬我，又數起來。然後對我說:

"啊，我忘了加這300元了，是1900元。"

"不對，是2000元。"

 

那個服務員臉色越來越難看，如果用天來形容她的臉色的話此刻真可謂烏雲密布。我很反感，因為幾個月前我來存錢遇到的就是她，把900元硬說成是600，直到我糾正後她才改過來。這樣的事情過去也曾發生過幾次，由於不自信，和出於對美國銀行的信任，我都采取默認的態度，現在想來真有些後怕。

 

"請你幫我數一下好嗎?"

 

看來多說無益，這樣下去隻能把事情搞僵，於是我避重就輕，對另外一個服務員說。

 

"可以。"

兩人經過簡單的交接，我的錢轉到另一個女人的手中，女人數了兩遍，盯著別處小聲說:

 

"是2000。"

先前的那個女人看了她一眼沒說話，我有點生氣於是看著她追問一句:

 

"你不是說1700元嗎?"

 

那個女人竟然一點羞愧和歉意都沒有，就好像什麽都沒發生一樣，對我的問話置若罔聞。

 

我突然想起過去種種發生的事，明明是我吃了輕信的啞巴虧，她還總是咄咄逼人，甚至嘲笑我。我原想找他們經理談談這件事，正巧一個朋友也來這家銀行辦事。他問我發生了什麽，我當著那個服務員的麵把事情的原委又說了一遍。朋友隻說了句這種事很可能，還說在門外等我就出去了，我想在這個問題上他是外人，不好多說什麽，所以拿好收據也跟了出去。

 

"這裏怎麽像黑店，你將來得小心一點啊。" 我忿忿不平地對朋友說。

 

記得上次發生類似的事情後我也寫了篇博文，有的讀者在回貼中說美國銀行管理上很健全，尤其是美國銀行的對外機構都有攝像頭，可以監控所有服務人員的工作，我當時還想可能是她一時搞錯了。然而這種事屢屢發生在我身上就不能不說明問題，過去都是以我默認收場，幾個月前我發現問題後和她認真起來，她才把錯誤矯正過來。但這次她似有持無恐的故伎重演，就說明美國銀行在管理上確實存在漏洞，那些監控設備形同虛設，根本沒有起到敲山震虎的作用。

 

你們說呢?

 

 

[禦樹林楓]

回複luckylv的評論:
If the transaction totality printed on the ticket was correct, your money should be safe. The management “kicked the ball” for other reasons: the branch manager treated your issue as a complain, because the problem should be solve by the person who opened the ATM, maybe the staff in that sub-branch or in a special ATM team belong to the branch; moreover, the management did not like to disclose more internal issues. Anyway you lost precious time.

Your boss's considerations were appreciated. However, the extra $2000 was more likely to be claimed back, unless your boss evaporated. Monitor videos are so useful for this case, always.

[花兒朵朵]

不是第一次了吧？傻哥。嗬嗬

[luckylv]

Chinatown-San Francisco

[luckylv]

Oh, by the way, also about 10 years ago, my Taiwan boss went to the Washington Mutual bank on Grant Ave (Chintown branch) to withdraw $3000. The Chinese teller counted and handed him $5000. He smiled and told her to count again, the teller did and said it was correct. My boss was nice to point out it was $2000 extra....
I was only 18 yr old and didnt understand why my boss was so honest-- he said the teller was just making a little bit above minimum wage, if he took the money from her, then she would have to pay back to the bank, which may cause her a whole month paycheck.
I guess, we are all human being and we all make mistake.

[luckylv]

to: 禦樹林楓
Yes.

[禦樹林楓]

回複luckylv的評論:
Was the transaction totality printed on the ticket correct ?

[luckylv]

禦樹林楓 & nissanusedcar
ATM is even worse. about 10 years ago, I have been deposit all my Ebay checks at the ATM window at Wellsfargo bank and they lost some of my checks and they didn't do anything about it. I had talked to supervisor, branch manager, ect, but they always kick the ball back and forth.

[hotpepper]

you should report this person to her management! Not sure if she is incompetent or intentional

[禦樹林楓]

我上回說的好清楚了：這種情況，單人臨櫃風險在客戶身上。即使有監控設備，也要從客戶方發起請求回放。可以試試ATM。

[nissanusedcar]

If you have your own checking or savings account in citibank, you can use their automatic deposit / withdrawl machines by your debit card and avoid contacting those tellers.

[luckylv]

我每次去存錢的時候都是先數兩三次,寫下總數. 再讓老公數兩三次寫下總數再拿到銀行去. 自己的錢怎麽能相信一個teller呢.
另外我總是先寫好 $100 $50 $20 $5 再數有多少張 $100, $50...
這樣就比較易合算起來. 因為如果數幾千元的話很容易數亂的.
再有把錢拿給teller 時在錢上貼上總數多少. 讓teller 數到準為止.心裏有底心裏有數就不怕再遭到效滑or笨teller 啦.
最後最重要的是核對收據, 回來店裏再上網進入帳戶核對一次.存好收據以防萬一.