4 ms·
being poor means the bank manager won't speak with you, and also the bank doesn't much care to have you as a customer
by slotrans 3y ago
being poor means the bank manager won't speak with you, and also the bank doesn't much care to have you as a customer
- WalterBright 3y agoThe bank manager didn't know what my financial state was. After all, why would I be overdrafting if I was rich?
- hot_gril 3y agoLast time I had issues with my bank, they had special help set aside for us premium customers. The regular teller wasn't even authorized to fix that, so I don't want to know how long I would've spent there without the special status.
- WalterBright 3y agoI just asked the teller to see the manager. I'm sorry, I just don't see why this is a difficult thing to do.
- t-writescode 3y agoReasons this may be difficult: 1. historically poor person, they don't want to deal with them and just want to charge them the $35 per individual overdraft, or whatever insanely high charge it is. 2. Poor person works hours that make it impossible to visit or even call a bank. No really, working 1 job with insane hours or several jobs with even more insane hours are not uncommon for poor people. 3. They shouldn't be re-ordering charges in the first place to have the worst possible result and it continues to perpetuate the harm we place on those who have less. Number 2 is the absolutely loudest of these by several miles. A person being able to visit, or even call, a bank during operating hours is an enormous privilege that the people that are harmed by these overdraft fees, in the majority of cases, do not enjoy.
- WalterBright 3y agoWrite a letter. Before you dismiss this, too, I inherited my dad's papers. There were an awful lot of letters to businesses for various reasons, some with disputes. It worked for him.
- t-writescode 3y agoDoes this come from the same reasoning where the way you get a good paying job is by walking in the front door and giving a firm handshake to the owner? Addendum: nevermind that during this whole time of unfortunate and now very slow because "mail" correspondence, especially when the circumstance described is of a bank re-ordering transactions such as to cause the most possible overdrafts given a time range, this person's whole paycheck they need to survive may have been trapped or eaten by the overdraft fees if there's 4 or 5 of them. Yes, some people make that little.
- WalterBright 3y agoIf you can't walk into the branch, use the telephone, or write a letter, your best bet is to diligently keep track of your balance. Banks also offer overdraft protection, for an additional fee.
- hot_gril 3y agoWell soon it won't matter, because they'll be forced to offer "overdraft protection" (aka just not spending money I don't have) without a fee.
- hot_gril 3y agoWhen I was in line, every person in front of me asked to see the manager for something stupid. They didn't see the manager. It was three hours, in the middle of my work day, before I got qualified help.