Jump to content

I hate dealing with financial institutions


debtmamma
 Share

Recommended Posts

:twisted: I hate getting ignored, treaed badly, etc. I'm usually *not* a whiner. It's the same everywhere though. I've been to 3 financial institutions in the past week and it's just the same. You get ignored when you press them for help they will start it and when you state your income (for a loan) they say "Take your child home and we will work on this." OK I've just walked/paid for the bus/taxi/ with a child in the rain it's not easy for me to get here! :evil: I don't know what the secret is. I've read soo many articles about how the low income should use traditional banking more but they aren't taking into account how these institutions treat people.

complain complain but it's so fustrating. I'm just asking for services I'm elgible to at least apply for and instead of saying No or Yes I get blown off or asked to come back at a different time. :roll: One lady said go home she will work on it later and then helped the next couple who were waiting in the lobby. Then they called me to come back and sign something. :roll: When it happened the first time, I thought they were just snotty, but lol this was the 3rd time yesterday at a different CU.

Link to comment
Share on other sites

Sorry that happened to you but I get the same thing. If you walk into someplace with a child in tow, you tend to be treated like a lower class citizen and they usually look for the husband or male counterpart. No offense to you guys out there. ;)

I make pretty good money and go out to places in sweat pants and a t-shirt. I work too damn much and hard to stay dressed up all the time, dressing down is my way to relax. I'll find I get treated by my appearance till they say something like are you sure that's what you want and then look to the hubby. With the kid in arm, I'll tell him to pull my wallet out for me. He'll ask what do you want, I like to respond that I'll pay big items in cash. He'll reply with are you sure you got enough, don't you want one of your cards. I say nah, I've got plenty and I can get more from the atm. I love the look of mud in their faces when he pulls out the wallet I can't close because it's sooo stuffed! Haa haa batting average mom -1, sales person - a big fat 0. lol

Link to comment
Share on other sites

Thanks! I feel better now. :) You are right - at any place if a male is there they do treat you 1,000x better.

The whole thing is with credit unions is that I'm a member. That should count for something but I guess it doesn't. I guess it's just a fee to support their services for the customers in their target market. :roll:

Link to comment
Share on other sites

Haa haa, well how about this, at my credit union my account is marked that I'm in Chex. They shorted me money when I made a withdrawal on payday and I didn't catch it till 2 hrs later. I called the bank to let them know what had happened. The woman pulled up my account and she was like are you sure? I said yeah. She was like well are you sure you didn't spend it. I was being talked down to like a criminal it seemed. Then after about 15 mins like this I was put on hold. The woman who took care of me came on the line and told me she was glad I had called. She DID short me $100 and she was sooo sorry. I told her that was ok, we had both been talking then asked her to just put it in my account. I felt bad for the girl, I guess some places fire you for that.

I got better CS from the girl that screwed up than from the person that is supposed to be helping you. What's worse is, you have one thing considered a downside about you and it's like you're labeled with the plague or something.

xdeadhorsex

Link to comment
Share on other sites

Must be something in the water in Florida. I'm an old retired guy whose retirement fund was cut off 2 years ago. I'm trying to get a reverse mtg and can't find a rep that knows what he or she is doing. In Florida the homestead law is written in such a way that you can file a homestead exemption to protect your home from liens.

When I explain the law , what web sites to look at and even the Florida statute (222.01), they look at me like I have a bloody nose. I'll keep looking for another "reverse mortgage specialist", but if any of you out there know of a good rep, send their name along. My zip is 34481.........thanks, leaper

Link to comment
Share on other sites

It doesn't exclude you. There is just certain things in life that you need to do without children. Asking to borrow money is one of them. It is a professional setting.

You have not been in the B of A near where I work then.

Yes, there ARE some banks and CU's that have more of a "professional" air and aura to them, like those one may typically find in a Downtown Urban Area...but the local bank is a bit more casual don't you think? I mean...how many people really go into the typical corner branch wearing suit and tie?

Link to comment
Share on other sites

You have not been in the B of A near where I work then.

Yes, there ARE some banks and CU's that have more of a "professional" air and aura to them, like those one may typically find in a Downtown Urban Area...but the local bank is a bit more casual don't you think? I mean...how many people really go into the typical corner branch wearing suit and tie?

If I were going to ask for a loan I would wear one.

Link to comment
Share on other sites

I actually belong to 3 CU's and I hate dealing with them in any setting. Many years ago I asked for a $2000 car loan to purchase a $3000 car. I had a $1000 to put down. Their reply was:

*Bright Smile* "We will be more than happy to take care of this for you. You need to put $3000 down and we will be more than glad to finance the interest for you."

I unfortunately called her some things, that I really have not regretted calling her. I still drop in about once a week to say hello.

Link to comment
Share on other sites

Yeah it's a big difference on where I am. I showed up at a car place in my sweats and $800 to put down on a car. They piggy backed me on someone with good credit, my credit was crap, and I got the car with no problem and not much of a fuss. I never expected to even get a car with that. It was actually a van I wanted too, was never forced into anything.

I do have to admit that someone in sweats and a $100 purse was an odd site and the purse got lots of comments. No one ever questioned my appearance when I went in. We do also have a lot of jeans wearing CUs and banks here too.

Link to comment
Share on other sites

Hey all,

I rarely post anything, but i am here everyday. I've closed hundreds of millions of dollars in loans and i just have to say that it's about respect, what you are wearing and who you have along with you when applying for a loan SHOULD be irrelevant. Wearing a 3 piece suit does not make you anymore credible. People with horrendous credit are just as capable as putting on a nice looking suit as are people with outstanding credit. One of my husband's best friends is a billionire (seriously) and you would NEVER know it, until he pulled off in his bentley of course. But he dresses like a biker and wears the same black leather vest to every event that we attend.

Link to comment
Share on other sites

I have been lucky enough to have stayed home this entire year and raise not one baby, but 2 ( 3 months and 18 months) and I have conducted business with both of them crying. My crying kids did not ngate the fact that business needed to be handled and had the person i was dealing with chose not to conduct buisness with me because my kids were crying, then I would have been more than happy to take my business elsewhere

Link to comment
Share on other sites

This is why I love Tot Spot, or other hourly child care places. I would never take a child into a place where I was doing business. But that is just me. No judgement. We should not judge people by how they are dressed, but how they present themselves. Those are two very different things...

For me...it is not fair to the child or the person I am doing business with to expect a child to be quite and "not there" when they really ARE there. But hey...I know I'll get slammed for stating that.

OP...3 times? What is the universe telling you? Something isn't clicking...

Link to comment
Share on other sites

haa haa. I wish we had a Tot Spot here for short term day care to be able to take care of the little ones while handling business. I just had a period where my babysitter ended up in ICU for over a month and was stuck in a bind. Our schedules were arranged enough where the kids would be alone for only 1.5 hours and they could call me if there were a problem. Hmm, neat concept for a new business venture. Most daycares nowadays say they will only take your kids for 6-9 hrs a day. How about a daycare that will take them for 2-3hrs a day? Would be kind of cool.

Link to comment
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

 Share

×
×
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.