I work in a call center for a bank. This bank finances auto loans, so most of our calls pertain to car payments or our website.
Had a lady call in earlier today. As she calls in, an account pops up with a male name attached. I quickly learned that it’s her son’s car and loan. He had previously called in at the beginning of this month to permanently authorize her on the account, meaning I have permission to speak with her.
She calls in, and I do my standard greeting. I’m cut off about halfway through with:
Caller: “Yeah, yeah, I know. The call is recorded. I’ve heard it before. I’ve been on hold forever, and we need to fix something right now.”
Great. This should be fun.
I glance over the account quickly while she’s verifying the information. I notice the account is only a few months old, and there’s already a late payment marked on the account (meaning a payment went over a month past due, so we reported it as late to the credit bureaus). Sure enough, after verifying the account, she hits me with the old:
Caller: “We made a payment on time, and your company screwed up, and now it’s affecting my son’s credit. He’s trying to buy a house and he can’t now…” *Blah blah blah.*
It’s very common for customers to blame us when a payment is late. They think we don’t keep records of our calls.
Caller: “My son called in a week before his first payment was even due. He made a payment using his checking account. You must have taken down the numbers wrong, because the payment never came out!”
She explains how a month went by, and that’s when they realized the account was behind. They got it caught up, but it’s too late. The damage was done. She wants that credit mark removed since we messed up, according to her.
Now, even if that entire story were true and we took down the numbers wrong, the chances of us doing anything about the credit mark are slim, for multiple reasons, but I decided to humor her a bit.
Me: “Ma’am, I’ll pull the call from that day, review it, and if you’re correct and we took the information down wrong, I can pass along the account.”
I made sure to mention that even if that was the case, I can’t promise anything.
So, I pull the call and listen. And boy oh boy.
To start, it wasn’t even the son (the account holder) calling in. It was VERY CLEARLY the same woman I had just spoken with. However, this was BEFORE her son had authorized us to speak with her, so she lied about who she was and claimed to be the son. The son has a gender-neutral name, and the mom was able to verify his birthday/social, so the representative believed her. But regardless, she lied about her identity. That’s considered fraud.
Strike one.
Secondly, she did not call in early. The account was actually over a week behind on its first payment, and it was made clear to her within the first thirty seconds of the call. The representative specifically told her it was a week behind and asked why that was the case. The mother made various excuses. So, she lied again about when she tried to make the payment.
Strike two.
Third, during the processing of the payment, the representative specifically read back both the routing number and the account number for the checking account. The mom confirmed the information was correct. So, her main claim about us taking the information down incorrectly was also a lie. She GAVE us the wrong information.
Strike three.
On top of all of that, we called her son’s phone every day and left messages. We sent bills stating the account was past due. The son had the account registered online and never bothered to log in to check that his first payment went through, and they clearly never checked the bank account to make sure the payment had come out. This is literally 100% on them.
I had the pleasure of calling the woman back to inform her that the waiver request was denied. That call may be good for a separate story all by itself, but she did not take it kindly and demanded to speak with the manager, who listened to the call. Imagine her shock when I let her know that I had listened to the call myself.
For those wondering, the son definitely knew about the loan. Not only would he have had to have been at the dealership to sign the contract, but there were notes in the account that we spoke to both the son and the mom during the call, where the son authorized her on the account.