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Customer calls in upset about his payment amounts.
When someone chose monthly payments, it’s really uncommon for the annual payment amount to divide evenly by 12. So there would be one or two payments that were *slightly* different than the others; never more than 25 cents different, either more or less than the others, and they would be the last one or two monthly payments for the year.
This, I thought, was not a hard concept to understand. Enter Math Wiz.
MW: I’m trying to understand how you’ve calculated my monthly payment amount.
Me: Sure, I’d be happy to help with that.
I go over the whole spiel above.
MW: But that isn’t correct. When I divide my annual premium by 12, I get [for example] 36.183726. So that means my monthly payments should be $36.18 every month.
Me: And ten months out of the year they are. But because your annual premium doesn’t divide evenly by 12, the last two months are a little bit different to make up for that.
MW: No, that doesn’t make sense. You’re overcharging me.
So I sat there with this motherfucker adding up each of his payment amounts one at a time. Surprise surprise – they equaled the exact annual premium.
MW: That still isn’t correct.
I can’t remember his exact reasoning about why it was incorrect. Something about because it was X amount when divided by 12, each payment had to be that same amount, I don’t fucking know.
I spent like 20 minutes with this guy explaining it every way I possibly could, he still didn’t get it. I emailed him a list of each payment amount and the total of all of them, which equaled his annual premium. Nah, still wasn’t good enough.
He insisted he wanted “an explanation from your accounting department.” Our accounting dept did not deal with customers and even if they did, they sure as shit weren’t going to waste their time on something so asinine.
I told him I would have a supervisor call him back. I checked the account notes several times throughout the next few weeks and didn’t see that anyone had ever called him (probably because it was so stupid) and he didn’t call back either. Maybe he finally figured out how math works.
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