---------BANKS
 
 Roy J. Tellason wrote to Charles Angelich
 
> Charles Angelich wrote in a message to Wayne Chirnside:
 
CA> Even doing banking in person things can go wrong. My bank lost a
CA> $954 deposit to my checking account once and began bouncing my
CA> checks all over town. When they found the missing deposit they
CA> never apologized nor would they refund the bounced-check-charges
CA> they had withdrawn from my account (over $150).  I couldn't afford
CA> to take a day off from work to sue them (I made more than that in
CA> one day) and they got away with it. :-\
 
> I would've at the very least changed banks, at
> that point...
 
 They don't care.
 
> And have. Maybe you couldn't take time away
> from work to do that particular number, but
> complaining to real high up in their corporate
> hierarchy, _in writing_,  would've maybe
> gotten you somewhere.
 
 Ditto.
 
 Their policy seems to be to wear you down.
 
 There used to be a consumer complaints column
 in the daily paper here. The banks were the
 most uncooperative, or simply refused comment
 when they were contacted about a problem.
 
 Only the insurance companies were worse.
 
CA> Another bank lost $15,000 of an account when my mother was the
CA> executor of her brother's estate and they never apologized either
CA> after finding their error. Having deposit slips from the tellers
CA> was the only reason the banks in question continued to search for
CA> the money.
 
> That's one of the reasons I always use the
> "credit card" function of what they gave me,
> rather than the "debit card" where you punch
> in a PIN. In the case of each and every
> transaction there's a bit of paper to prove
> what went on one way or the other, and if
> there isn't then it's not a valid transaction.
 
 Wise. Over the years some consumer protection
 laws have been established for credit cards.
 The same laws do not apply to debit cards --
 no protection there even with the paper slip
 recording your transaction. Read the bank's
 info about the debit card 'Agreement' --
 basically you're at the bank's mercy.
 
CA> They don't just agree with you because you have a deposit slip in
CA> your hand either as many might think they would have to.  Can you
CA> imagine how you would convince them if you had no deposit slips
CA> stamped by one of their employees?
 
> That's the other reason I prefer to do things
> in person, when it comes to banking.  I don't
> even like going through the drive-thru...
 

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