I just had something happen here at work where the customer just completely not only flat-out lied, but also brought in evidence against himself.
Background: I work for a loan company, we also cash checks and whatnot, work with MoneyGram, that sort of thing.
Now, if a customer is late in paying off their loan, we add a late fee, and then deposit their check to draw the money from their bank; that is, unless they call us ahead of time they can’t make it, then if they ask us to deposit it, we will without penalty (usually) since they were curteous enough to call.
We will even hold a check a day or two past the due date if they’re so nice to let us know they can’t make it for some reason, and unless they are a habitual offender, we won’t add the fee.
When they sign the ACH check and the contract, they have the information right there (except the parts about our leniency if we’re feeling nice that day, it’s something they become pleasantly surprised with and make them happy for the extra customer service). And when they sign up with us, we tell them all this information. They know these things. We even give them a copy of the contract with their information of the loan and everything to take home with them.
Enter idiot customer who we gave such leniency to.
Now, we had a note under his name in our database saying to hold his check over to March 28, and if he did not come in to pay it then, to deposit his check as per the statement above.
He walks in with the money needed to pay off his loan, and not only that, but with more than enough money.
However, he then goes all “duh” about the late fees, saying he never did call us or say any sort that he wanted us to hold it over. Now, we don’t just make notes at random about this, of course. We made the note because he told us about it, and I informed him that he did indeed tell us to hold it an extra day or two and we’d be lenient enough to say ‘okay’ and let him pay it off a bit late with no fee because he called us and let us know. He was told however, that if he did not come in on the 28th, fees would be charged.
But since he didn’t come in on the 28th by closing time, we added a late fee. It would probably have been deposited today if he didn’t come in.
So after losing the ‘why do I have late fees’ battle, he then tries the ‘well shouldn’t you have deposited my check’ battle, because he initialed on the line to have us deposit it if he didn’t come in by the due date. Well, we would have, if he didn’t call us to let us know to hold it over for him per his request.
And if he was so sure that we’d deposit it, why did he come in with money, and not only that, come in with more than enough to pay it off as if expecting the late fee?
If you’re going to lie, don’t do it to someone who has been told he would make a good lawyer, and can spot these problems. Plus the long pauses between your statements showing you were thinking of what to say next didn’t help you.
So after then telling us we’re not doing our business the way it should be, and saying basically we suck, he then asks how much the interest would be on a $510.00 loan for 2 weeks. :dubious: :rolleyes:
Good job chief, way to really stick it to us.
Well that was my current story. Anyone else have had customers who lied to you and more or less contradicted themselves, or have you perhaps been caught in your own? You can be honest.
Or just give your ‘caught a customer in a lie’ story regardless, they’re fun to tell.