
This must have been National Idiot Bank Employee Week as I noticed that it wasn't just me who encountered stupidity at my local branch. Don wrote about it over at
Beyond Left Field and I couldn't help but chuckle at his experience. Then I find that Joe at
Crotchety Old Man had his own tale of fools over at his bank. When I try to log in to my account online a couple of days ago, I find that I, too, have to deal with an idiot human over at the bank--and suddenly their stories aren't so funny anymore. And I have to ask: Who is hiring these people at the bank??
We have an account over at the bank where we have our mortgage, and that account rarely sees a lot of activity. It consists merely of deposits (for the mortgage) and electronic withdrawals (for the mortgage) and perhaps a couple of electronic withdrawals for insurance and maybe a home improvement every now and then. Not a lot of activity going on, so I don't typically go online to view the account.
When I didn't receive my statement this month, I went online to see if I could download it so I can balance the account. I know, I'm kinda anal about balancing each month. That's my first mistake.
So, I attempt to log in and I get the "security breach--you gotta answer 3 additional questions to get in" screen on my computer. Hmmmmmm, I'm thinking. Why am I getting this?? Then I remember that we switched browsers this week on the computer and it must not recognize my computer anymore. Okay. Bring on the three questions.
1) What was the last high school you attended? The
last high school I attended? Does everyone attend more than one high school?? I found that an odd question. Would that be my son's high school, where we attend an event at least once a day? That would count as the last high school I attended? Or was it the "away" school I went to see him play tennis? Or is it
my high school back in the day? Gees, this was proving difficult. I enter my high school that I graduated from and hope for the best. Now do I enter it as "ABC" or "ABC High" or "ABC High School"? You gotta type it in just right or they boot you.
2) My mother's birthday--Okay, she already views this as a national holiday, but really, does the bank have to go along with this? Are they part of the scheme? Gees. So I type in January 1. But then I start doubting it and type in January 1, 1800. (She's not really that old, I just hate to give out personal information here on this blog. You know how I so do not share personal details and all. Yeah, right.) So, anyway, I read the little directions thing and it says that you have to type it in
exactly the way I did originally, and I start to panic. What if I put it in like this: 1-1-00 or 1-1 or Jan 1. My heart starts pounding because I so know that I am not getting into the account.
I now flip my rolodex to see if I wrote down the answers to these questions. I learned this trick a few years ago, I actually have a little file next to the computer which is my "cheat sheet" to all the freaking accounts I log into. Okay, robbers--now you know my little secret.
But to no avail. The back of my little bank log-in card is blindingly blank. Sigh. I continue on with question Number 3. I'm envisioning the scene in Monty Python and The Holy Grail where they are asked three questions to cross over the bridge. I'm hoping the last question is "What is your favorite color?" That would be easy. Or would it?
3) What is your favorite hobby? Oh, crap. That changes from day to day. Was I quilting when I first logged on? Was it "annoying the kids"? Or "photography" when I took a great photo that day? How about "gardening" or "frog watching"? Maybe it was "answering stupid bank questions". Crud. I look to my little rolodex card again, hoping that the answers would magically appear. No such luck. I think that little card was mocking me.
Needless to say, I did not pass the 3 question test. I tried it like 10 times and finally, the bank says that I am a robber and that I cannot try anymore times. No, I may not access my account. No, I may not balance this month. No, I may not look to see how my $2000 is doing. And no, I did not know my own self after answering all these questions wrong. Sigh.
Now, here comes the fun part--like that wasn't fun enough. I gotta call the dame over at the bank to beg and plead my case that she should let me access my own account. Okay, prepare for ridiculousness.
"Hello, foolish woman" she implies with her faux friendly greeting. "How can I help you?" she says with a sigh like she is all disgusted that it was her turn to answer the phone. And I proceed to tell her my dilemma. Which is all because they did not send me a statement, so it's kinda her fault, and I think I tell her so. So, she's even more annoyed with me and we are off to a bad start.
"Okay, you'll have to answer some questions," she begins. "Yeah, I know. I already tried to do that online" I explain. And I tell her the answers to the three questions online and I go into the whole thing about not answering them "correctly" like I did when I first answered them. And she doesn't care. And she kinda lets me know that with the tone of her voice. Sheesh. So I just shut-up, which I think makes her happy.
"No, I have
new questions" she says all miffy. Bring 'em on sister, I'm thinking smartly to myself. I've got loads of answers to your silly questions.
1) What is your name? Check. I got that one.
2) What is your address? Okay.
3) What is your social security number? I rattle it super-fast to make my annoyance clear.
4) What is your secret word?
Huh??! Secret word?! Are you kidding me? Who is she? Freaking Groucho Marx? And is there going to be a goofy looking duck that drops down when I say it?! (I'm dating myself here--but I have to say I only know this reference from re-runs, so I'm not as old as you think I am.) And I start to laugh because this is just so ridiculous. And now, she is really mad that I'm laughing and I'm thinking there is no way this dame is going to let me see my account balance today--or any other day for that matter.
So, I tell her "Secret word? Do I win a prize if I get it right?" and she's all like "M'aaaamm, you have to know your secret word or I can't let you have access". And she's all condescending to me, so I'm irked now.
I could tell her my husband's name, social security number, mother's maiden name AND spell it (which I should get bonus points for) and how much he weighs--can I NOT have to come up with a secret word? How the hell do I know what my secret word was years ago?! I gotta secret word for her and it isn't nice. But I don't tell her that part.
She soon realizes that I don't have a secret word to give, only sarcastic remarks, so she switches to even more questions. I hear a deep sigh of utter lack of patience with me and she says "You'll have to answer more questions then". Unbelievable. How many questions can this dame come up with? Does she sit around in the drive-up window during the slow periods at the bank just coming up with inane questions to stump the patrons? Is she getting off on this. 'Cuz I'm not.
Like the Inquisition, this questioning continues:
- What is your husband's name? Didn't I offer that already?
- What is your mother's maiden name?
- What is your birthday?
- What is your husband's birthday? I'm beginning to think she's hot for Joe.
- What is your account number?
- What is your estimated balance in the account?
- What color are your underpants? Not really, but it very well could have been for the state of my mind at this point. I don't even remember all of her silly questions, as I was barking the answers rudely to her now.
- What is the date and the amount of your last deposit?
OH MY GAWD! Now I have lost it.
"I have a question for you now, lady" I'm all attitude now. "Where the hell is my statement for April? Huh? All of this ridiculousness is because YOU did not send ME a statement! I am not breaking into anyone's account. I want to access MY account so that I can balance my checkbook! ALL of this is because YOU did not send ME a statement!" I'm yelling into the phone.
"Uh, I'll have to put you on hold, M'aaaammmm" she's dragging the M'am like she'd like to drag my carcass out to the street.
I'm absolutely fuming at this point. When she returns, I have not cooled off, although I'm sure that's what she was hoping for when she put me on hold.
"We've mailed your statement. It has not been returned to us, so I do not know why you didn't get it. I can send you another right away. And I will need you to answer that last question so that I can re-set your questions on the web-site." She's
still got attitude, the snot. But I wasn't thinking "snot", I was thinking a whole lot worse. But give me points for not saying it, although I wanted to.
"I PUT IN $500 ON THE 28TH!!" I'm fuming into the phone line.
"Okay, I've re-set your questions. May I help you with anything else today?" She asks sing-songy sweet, like she hasn't been in this conversation for the past 15 minutes.
I wanted to drive over to that bank and murder that woman. I did. I screamed "NO!" into the phone, hoping that their little "recording" device caught all of that silliness to use as a example of "How NOT to treat our patrons" in the company training video. Ugh.
So, like Don and Joe, I suffered at the hands of idiot bank employee. I think she was totally reading off the "Bank Scammer's Alert Question Sheet" that was posted by the phone. I imagine her all fluffed up, thinking she's got a hot one on the line and that she was going to be awarded Employee of the Month for stopping a scammer over the phone. Honestly. Don't you think the name, address, phone number, social security number, and mother's maiden name is enough? Sheesh.
I ended up re-setting my questions online, and yes, I did write the answers on the little card in my rolodex.