错误连连，美国银行管理上有漏洞?

 

 

今天我去花旗银行的一家分行存卖彩票的现金，因为过去曾发生过多起我数的钱数和银行工作人员不一致的现象，这次临行前我特意反复数过三遍，在确定数额正确无误的情况我才赶往银行，可谓胸有成竹。但意外还是发生了，下面是我和前台服务员之间的对话:

 

"有什么可以帮忙吗?"

"我想存钱。"

"存多少?"

"我数过了，你再数数吧。"

"$1700。"

"不对，是2000。"

那个女人看了我一眼，又低头数了一遍说:

"是1700。"

"不对，是2000，你为什么不用点钞机数一下呢?"

 

我建议她，她没理睬我，又数起来。然后对我说:

"啊，我忘了加这300元了，是1900元。"

"不对，是2000元。"

 

那个服务员脸色越来越难看，如果用天来形容她的脸色的话此刻真可谓乌云密布。我很反感，因为几个月前我来存钱遇到的就是她，把900元硬说成是600，直到我纠正后她才改过来。这样的事情过去也曾发生过几次，由于不自信，和出于对美国银行的信任，我都采取默认的态度，现在想来真有些后怕。

 

"请你帮我数一下好吗?"

 

看来多说无益，这样下去只能把事情搞僵，于是我避重就轻，对另外一个服务员说。

 

"可以。"

两人经过简单的交接，我的钱转到另一个女人的手中，女人数了两遍，盯着别处小声说:

 

"是2000。"

先前的那个女人看了她一眼没说话，我有点生气于是看着她追问一句:

 

"你不是说1700元吗?"

 

那个女人竟然一点羞愧和歉意都没有，就好像什么都没发生一样，对我的问话置若罔闻。

 

我突然想起过去种种发生的事，明明是我吃了轻信的哑巴亏，她还总是咄咄逼人，甚至嘲笑我。我原想找他们经理谈谈这件事，正巧一个朋友也来这家银行办事。他问我发生了什么，我当着那个服务员的面把事情的原委又说了一遍。朋友只说了句这种事很可能，还说在门外等我就出去了，我想在这个问题上他是外人，不好多说什么，所以拿好收据也跟了出去。

 

"这里怎么像黑店，你将来得小心一点啊。" 我忿忿不平地对朋友说。

 

记得上次发生类似的事情后我也写了篇博文，有的读者在回贴中说美国银行管理上很健全，尤其是美国银行的对外机构都有摄像头，可以监控所有服务人员的工作，我当时还想可能是她一时搞错了。然而这种事屡屡发生在我身上就不能不说明问题，过去都是以我默认收场，几个月前我发现问题后和她认真起来，她才把错误矫正过来。但这次她似有持无恐的故伎重演，就说明美国银行在管理上确实存在漏洞，那些监控设备形同虚设，根本没有起到敲山震虎的作用。

 

你们说呢?

 

 

[御树林枫]

回复luckylv的评论:
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.

[花儿朵朵]

不是第一次了吧？傻哥。呵呵

[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: 御树林枫
Yes.

[御树林枫]

回复luckylv的评论:
Was the transaction totality printed on the ticket correct ?

[luckylv]

御树林枫 & 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

[御树林枫]

我上回说的好清楚了：这种情况，单人临柜风险在客户身上。即使有监控设备，也要从客户方发起请求回放。可以试试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]

我每次去存钱的时候都是先数两三次,写下总数. 再让老公数两三次写下总数再拿到银行去. 自己的钱怎么能相信一个teller呢.
另外我总是先写好 $100 $50 $20 $5 再数有多少张 $100, $50...
这样就比较易合算起来. 因为如果数几千元的话很容易数乱的.
再有把钱拿给teller 时在钱上贴上总数多少. 让teller 数到准为止.心里有底心里有数就不怕再遭到效滑or笨teller 啦.
最后最重要的是核对收据, 回来店里再上网进入帐户核对一次.存好收据以防万一.