I used to work inbound calls for a bank. Once a customer called because she had just made a payment for her overdue credit card and she wanted the card to be unblocked ASAP. Usually it takes a 1 business day for the card to be unblocked, but it can be unblock inmediatly if we verify the customers has enought funds to cover the payment in the checking/savings account they used. I explained this to her, and she was ok with it, so we dialed the other bank:
Me: Yours truly
OBA: Other bank’s Agent.
OBA: Thank you for calling *Other Bank’s name*, this is OBA, how may I help you?
Me: Hi my name is LadyNoir93, from *My Bank’s name* and I’m calling to make a fund verification. I have our mutual customer on the line, her name is Mrs Customer.
*She proceed to ask the customer all the standar questions to get her account*
OBA: OK I got her account. May you repeat me what you need?
Me: A fund verification.
OBA: I don’t know what that is.
I found this odd because is a very common procedure.
Me: Basically Mrs Customer made a payment of $150 to *My Bank’s name* using a saving account from *Other’s bank name* I just need to know if there is enought funds in the account to cover the payment.
OBA: That’s not possible.
Me: What do you mean it’s not possible? It’s a standard procedure.
OBA: Why do you need this information?
Me: In order to unblock her credit card inmediatly I need to know if there is enough funds to cover the payment.
OBA: I cannot give you information on an account without the customer consent.
Me: I’m aware you need the customer’s consent. You are aware she is on the line with us, ask her for her consent.
OBA: Mrs Customer?
OBA: I’m going to be honest with you, I think you are being victim of a scam.
C: A scam?!
OBA: Yes, I mean why would a filipino** girl would need to know how much money there is in your account?
(Wow that wasn’t racist or anything).
C: Oh my god. I can’t believe this. What should I do?
Me: Mrs Customer, I think is appropiate to remind you this is an inbound call. I didn’t called you, you called our bank. And I want to remind OBA that I do not need to know how much money there is in the account, just if there is enought to cover a $150 payment.
OBA *ignoring what I just said*: I would advice you to disconnect her from the call, then I’ll help you.
**Fun fact: I’m not filipino, I’m Nicaraguan.
submitted by /u/LadyNoir93