Monday, June 28, 2010

T-Minus 11 hours

The carpet guys will be doing awful things to my living room floor I'm about to shut down the computer and frantically figure out where to put all the last minute things and get my room ready to do the same but opposite tomorrow night...

Before I do though, I have to share my latest trauma...Wells Fargo sent me back a "legal copy" of the Toyota Finance refund check...that bounced. See, apparently I overpaid my car loan (I know!), so they sent me the difference back in December while I was visiting my family in LA. I lost track of the check until last week when all this cleaning and sorting for the carpet replacement came up. So I guess the fault was my own for not cashing it immediately, or so the customer service representative was trying to convince me. See, it even says so on the check, void after 90 days or somesuch BS. And it is BS.

There is no reason, except utter spite, that Toyota should refuse to allow a valid check # to be cashed. Having worked in an accounts payable office for almost 3 years now? I know the drill: Bank A tries to get funds from Bank B via a check draw. Bank A's check is out of sequence (by a lot) so Bank B contacts the issuer of the check via message/email/in some way, shape, or form so as to get a person to accept or reject the check # & amount. The issuer says it's okay, fund transaction happens, EVERYONE HAPPY.

Toyota denied Wells Fargo my $13.19. Seriously. So who got dinged? Me. Not only did the cashing become a withdrawing, but now I have a $7.00 fee for the service. You bet your aunt Fanny I'm on the phone with Wells in the AM.

However, I feel I must give out the secret password to the internets. If you find yourself in a conversation with a customer service representative FROM ANY company and they tell you that they cannot do anything about the fact that your check has "expired?" It's a lie. Demand to speak with their supervisor. A company cannot "void" your refund/money it owes you. They must clean up their books LEGALLY, and those funds get to go to their home state as unclaimed cash. This takes a LOOOONG time. We wait a year before starting this process. Step #1? Contact the vendor and see why the check was not cashed. It is NEVER void the check and keep the money. No matter how small the amount. Again, ask for a supervisor.

Yes, I may have gotten a bit irate over $13. But really? Listening to the CSR convince herself that this is the way things are done and she can't do anything to change their policy? It galled. It rubbed me so the wrong way. It raised hackles. And then she went and called me ma'am.

Do not believe the money is no longer yours. It lives in their system as an uncashed check. If they keep it? It is officially stolen from you. See, I can't change policy either, but I do know how to read the lovely notices the IRS sends us with regards to unclaimed funds.

I started to wonder how many people believed her story, or any other CSRs similar explanation. They use very level and even voices, sound pleasant even after you've blown your top (ma'am), put you on penalty hold if they think you need a time out...and are very surprised when you're still there...oh yes, I was. I mean, what else did I have to do? Especially now that I felt like I was fighting for every person who had ever hung up/given up. (Blame it on being overworked...I dunno, seriously could not stop myself.)

So I'm being issued a new check. However, I still need to find a way to get Wells Fargo to reverse their $7 BS fee. Maybe someone else in the internets has a success story to share. THEN I will shut down and pack like a madman.

1 comment:

Beth said...

I had a more pleasant experience with an uncashed check. One was issued to my daughter from my mom's credit union and I never cashed it. At least a year later I found it and sent it to my mom. She was able to get the money with no problem. But she kept it. :)