SilverJack
Full Member
- Joined
- Sep 16, 2011
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- Primary Interest:
- All Treasure Hunting
I hesitate to post this but I'm going to... so flame on! I'm a big boy, I can take it.
The setup.
I went into a brank of my bank yesterday to make a deposit. I happen to notice that the merchant teller has some halves in his tray, some of which are quite obviously silver. But he's away on break so I ask if he will be back soon. The assistant branch manager asks me why I want to know to which I say I want to buy coins. She goes and checks to see when he will return. She comes back and tells me that it will be 15 minutes and that I'm welcome to have a seat. I think that's reasonable so I stick around.
The shaft.
So he returns and I ask to purchase ALL of his half dollars as well as his dollar coins (there's some SBAs in there and I also collect the rare variety of those). He says sure thing and then proceeds to pick from the halves all the silver coins and set those aside. Now, I know what you're thinking, get over it, he's sniping in front of you, it happens, move along, there's nothing to see here. Except that isn't what he's doing exactly. I ask why I can't have those as well and he tells me he's saving those for another customer that called that morning and asked, I kid you not, for the merchant teller to save all the SILVER coins for him so he can come by and get them later that day. My argument is that I'm right there, right now, and a customer with a rather large deposit with the bank (6 digits in 2 accounts). He doesn't give in. So I walk away.
The turnaround.
But as I'm going to do the door, I'm thinking to myself "I'm the customer here, I don't know if this other guy is a customer or not, I don't know if he's going to show up or not." Frankly I'm rather pissed because I'm tired of being spurned by banks pulling this crap on me. I simply find it wildly unprofessional. If you’re going to snipe, do it before I’m in line. When I’m standing in front of the teller, I demand their service. It’s not too much to ask.
So I go back to the assistant bank manager and let her know that I don't appreciate being told no when I want to buy coins that are in a teller's tray. As a customer, in the bank with cash in my hands, I don't believe they have any reasonable excuse not to exchange them with me if they value my business at all. She completely defends the teller's refusal and even more, acts like I'm being completely unreasonable and it’s beneath her to be approached by such a complaint. Well, this doesn't sit well with me either so I ask to speak with the bank manager. He's not there but I got a phone number (which is actually the bank's main number; I do not understand why a bank manager wouldn't have a direct line and voicemail but that's how they run their business). So I have a call in with him to further complain. Whatever happiness they delivered to this other person, I can assure you that my displeasure was at least double. A model of customer service.
The rub.
In truth, I'm pissed because I didn't feel that they appreciated my business at all. I recognize that the solution is to move my business to another bank. I'm making arrangements to do exactly that, at least partially, so there’s no need to advise me on this point. This isn't a bank where I've abused the staff or visit all too often. In fact, I believe I've only cashed in 2 boxes of half dollars during the last year and maybe 4 or 5 boxes of dimes.
Second, what really fired me up is that when the teller put the coins aside, I could see that they were Franklins and Walkers. Now, I've found a few Franklins, less than 20 as I've not yet filled a roll. But I have never found a Walker. I have some because I purchased them as they are my favorite design but I've not had the luxury of finding one. To be soo close and denied, that was too much. I usually take my lumps fairly well but not yesterday.
The result.
So I've found a new dump bank is the net of this. And I lost the opportunity to own a few really cool coins. I know there are greater injustices in the world and I know that it's irrational to get so fired up about this. If I had known that I would lose sleep over this hobby, I might not have started it however badly I needed a constructive hobby.
Oh, and if you're the guy that is calling banks asking them to save their silver coins, I have two things to say. First, kudos to you for finding a bank that would actually do that. I think it's amazing. And second, you're a complete idiot that has probably shut down coin collecting/silver hunting for a great number of people. Way to educate the teller staff. Finally, I'm definitely going to go back to the bank and fully educate them on how to purchase the silver coins themselves and walk, literally, across the street to the coin shop and sell them for profit. You deserve to have your silver pipeline turned off due to your sheer stupidity.
Rant off. Catharsis achieved (at least somewhat).
On the good news front, I got an ‘A’ in a class that was lagging behind in getting grades to the registrar. That should move me up in my law school class to the top 10 percent. Now I need to stay there to graduate magna cum laude. I’m going to focus on that today and not on plotting my revenge on my bank (that can consume a lot of time and energy; it's not at all constructive).
The setup.
I went into a brank of my bank yesterday to make a deposit. I happen to notice that the merchant teller has some halves in his tray, some of which are quite obviously silver. But he's away on break so I ask if he will be back soon. The assistant branch manager asks me why I want to know to which I say I want to buy coins. She goes and checks to see when he will return. She comes back and tells me that it will be 15 minutes and that I'm welcome to have a seat. I think that's reasonable so I stick around.
The shaft.
So he returns and I ask to purchase ALL of his half dollars as well as his dollar coins (there's some SBAs in there and I also collect the rare variety of those). He says sure thing and then proceeds to pick from the halves all the silver coins and set those aside. Now, I know what you're thinking, get over it, he's sniping in front of you, it happens, move along, there's nothing to see here. Except that isn't what he's doing exactly. I ask why I can't have those as well and he tells me he's saving those for another customer that called that morning and asked, I kid you not, for the merchant teller to save all the SILVER coins for him so he can come by and get them later that day. My argument is that I'm right there, right now, and a customer with a rather large deposit with the bank (6 digits in 2 accounts). He doesn't give in. So I walk away.
The turnaround.
But as I'm going to do the door, I'm thinking to myself "I'm the customer here, I don't know if this other guy is a customer or not, I don't know if he's going to show up or not." Frankly I'm rather pissed because I'm tired of being spurned by banks pulling this crap on me. I simply find it wildly unprofessional. If you’re going to snipe, do it before I’m in line. When I’m standing in front of the teller, I demand their service. It’s not too much to ask.
So I go back to the assistant bank manager and let her know that I don't appreciate being told no when I want to buy coins that are in a teller's tray. As a customer, in the bank with cash in my hands, I don't believe they have any reasonable excuse not to exchange them with me if they value my business at all. She completely defends the teller's refusal and even more, acts like I'm being completely unreasonable and it’s beneath her to be approached by such a complaint. Well, this doesn't sit well with me either so I ask to speak with the bank manager. He's not there but I got a phone number (which is actually the bank's main number; I do not understand why a bank manager wouldn't have a direct line and voicemail but that's how they run their business). So I have a call in with him to further complain. Whatever happiness they delivered to this other person, I can assure you that my displeasure was at least double. A model of customer service.
The rub.
In truth, I'm pissed because I didn't feel that they appreciated my business at all. I recognize that the solution is to move my business to another bank. I'm making arrangements to do exactly that, at least partially, so there’s no need to advise me on this point. This isn't a bank where I've abused the staff or visit all too often. In fact, I believe I've only cashed in 2 boxes of half dollars during the last year and maybe 4 or 5 boxes of dimes.
Second, what really fired me up is that when the teller put the coins aside, I could see that they were Franklins and Walkers. Now, I've found a few Franklins, less than 20 as I've not yet filled a roll. But I have never found a Walker. I have some because I purchased them as they are my favorite design but I've not had the luxury of finding one. To be soo close and denied, that was too much. I usually take my lumps fairly well but not yesterday.
The result.
So I've found a new dump bank is the net of this. And I lost the opportunity to own a few really cool coins. I know there are greater injustices in the world and I know that it's irrational to get so fired up about this. If I had known that I would lose sleep over this hobby, I might not have started it however badly I needed a constructive hobby.
Oh, and if you're the guy that is calling banks asking them to save their silver coins, I have two things to say. First, kudos to you for finding a bank that would actually do that. I think it's amazing. And second, you're a complete idiot that has probably shut down coin collecting/silver hunting for a great number of people. Way to educate the teller staff. Finally, I'm definitely going to go back to the bank and fully educate them on how to purchase the silver coins themselves and walk, literally, across the street to the coin shop and sell them for profit. You deserve to have your silver pipeline turned off due to your sheer stupidity.
Rant off. Catharsis achieved (at least somewhat).
On the good news front, I got an ‘A’ in a class that was lagging behind in getting grades to the registrar. That should move me up in my law school class to the top 10 percent. Now I need to stay there to graduate magna cum laude. I’m going to focus on that today and not on plotting my revenge on my bank (that can consume a lot of time and energy; it's not at all constructive).
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