Are the BIG BANKS "computerizing" CUSTOMER SERVICE to its death?
Just because some large corporation has a voice mail tree that make a sequoia look like a 3 gallon ficus doesn't mean they actually "care" about your business. Have you ever noticed that all the large banks, BofA, Wells Fargo, CitiBank, & Chase - yes I'm talking to you giants, are insanely advertising - on TV, radio, internet, and any electronic device you own, about how they want your business.
They want you. They love you. They want to be your wealth managers. (They managed "our" wealth into "their" wealth - maybe that's what they mean) They are the answer to all your problems.
They contribute millions to various non-profits & charities....blah...blah...blah.
It's kind of like being wooed by a suitor....wonderful until the reality of the "relationship" hits a "teensy" misunderstanding. You know how it bobsleds downhill from there.
They want you. They love you. They want to be your wealth managers. (They managed "our" wealth into "their" wealth - maybe that's what they mean) They are the answer to all your problems.
They contribute millions to various non-profits & charities....blah...blah...blah.
It's kind of like being wooed by a suitor....wonderful until the reality of the "relationship" hits a "teensy" misunderstanding. You know how it bobsleds downhill from there.
It might go something like this; "I'm sorry, but that credit line we lured you in with, is not available, or cut by 75%, due to your company's lack of obscene profits ---we're used to dealing with companies much larger than you."
"I'm sorry, but we can't take that service fee off the account because you had negative report on your credit rating 2 years ago". or, "I'm so sorry, but our POLICY is to only refinance home loans that meet our new stricter guidelines."
Where were these guidelines when these guys were absconding with BILLIONS in faulty loans, and buying private estates with fences to keep the riff-raff (that would be most of us) out?"
"I'm as sorry as I can be, but our overdraft policy is to charge $ 35.00 - $40.00, for every time you screw up. We, however, do not need to be penalized for screwing up, we are "SELF REGULATING". Our screw-ups are YOUR problem. "Where do you think we got the money to make these generous donations to charity anyway?"
"I'm sorry, but we can't take that service fee off the account because you had negative report on your credit rating 2 years ago". or, "I'm so sorry, but our POLICY is to only refinance home loans that meet our new stricter guidelines."
Where were these guidelines when these guys were absconding with BILLIONS in faulty loans, and buying private estates with fences to keep the riff-raff (that would be most of us) out?"
"I'm as sorry as I can be, but our overdraft policy is to charge $ 35.00 - $40.00, for every time you screw up. We, however, do not need to be penalized for screwing up, we are "SELF REGULATING". Our screw-ups are YOUR problem. "Where do you think we got the money to make these generous donations to charity anyway?"
So, GET UP, GET IN YOUR CAR, and go to a small local bank, or customer owned credit union and you will be greeted with real smiles, honest discussions of policy, and you probably live within a couple of miles of the very people you see at the bank.
Here in Riverside, Corona, Norco and surrounding areas we have American Security Bank, Altura Credit Union , Citizens Business Bank, Premier Service Bank, and many more. There are actual people there....Jim Verplancke of American Security Bank, a man with enormous knowledge of his industry and the and amazing ability to answer a straight question with a straight answer.
Or Tim O'Brien at Premier Service Bank, same decency, smarts and ability to discern fact from fiction. He actually wants to help.
Or Tim O'Brien at Premier Service Bank, same decency, smarts and ability to discern fact from fiction. He actually wants to help.
Maybe you know Steve Caseldine of Citizen Business Bank - another person who will not just slough you off to voice mail...he will return your call and answer your questions.
These are just a few of the many local bankers you might want to visit and trust with your money. Ask questions, have some goals in mind. At least if you have a problem, they LIVE here and you can probably see them at local charity events, Rotary's, Lions Clubs, and softball games. They & their companies also contribute to local events, non-profits and the like -- right here where you live!
ITS YOUR MONEY....put it a local bank!!! WATCH WHAT HAPPENS!!
Do you know any other local bankers or bank associates who you want to recommend? "Share" & "like" --- it matters.
Do you know any other local bankers or bank associates who you want to recommend? "Share" & "like" --- it matters.
As a Riveride, CA resident for 22 years, I learned the hard way, using those BIG BANG banks that dont even attempt to catch you when you fall, after 10 years of direct deposit trust checks and payroll direct deposits was not good enough for Wells Fargo to forgive and reverse a high bank charge. Ok B of A, N0 THANKS to your cold banking lobby either. Forced to cash work checks there at one point, and it was ALMOST IMPOSSIBLE, as the teller was quick to make direct intrusions into my requests to just simply cash my payroll check, even though my employer had been with them for 19 years.
ReplyDeleteSo finally, I find the BEST EVER BANK SERVICE EVER. I prefer to go in my bank, than the drive thru. They provide immediate service everytime I walk in. They avoid having to charge their customers for anything but what is necessary or agreed to. PROVIDENT BANK is truly a bank for the local community to support......WHY? Because they support back, each day, everyway imaginable. Just try this Bank as they will continue to earn you business year after year, one banking experience at a time.