Do you know what kind of people hate the first of the month?

United States
February 2, 2012 1:17pm CST
People who work in banks, that's who! And I'm one of those people. Yesterday was pure he^^ at work, and I got really angry at a lot of people. We are able to cash government issued checks for anyone, even if they don't have an account with us. Of course, part of my job is asking everyone who doesn't have an account if they're interested in opening an account with us. I have heard a ton of excuses why people don't want to open accounts with us. Some are simple, they have accounts elsewhere or they just prefer the control of having cash instead of checks or debit cards.. whatever. Some excuses are down right sickening. Yesterday someone said they wouldn't open a bank account because they were avoiding paying their student loans, and if they opened an account the state would freeze it for student loan repayment. Naturally I cannot tell these people how ridiculous they sound when they say such things. Here's a novel idea.. pay your bills and stop trying to avoid repaying something! The state gave you money.. sorry, but it is your repsonsibility to pay it back.. that's not free money! Duh! The worst was all the people (probably at least 10 in one day) who said they wouldn't open a bank account because they were avoiding paying child support! OMG! And these people laugh about it, like they're proud of it or something. Really? There is something seriously wrong with some people!
3 people like this
9 responses
@dorannmwin (36392)
• United States
7 Feb 12
My sister-in-law is also one of those people that works in a bank, but she isn't a teller and is instead a data entry clerk at the bank now. However, when she worked at the other bank, she was a teller and had to open up accounts for customers and such. She was always complaining about the stupid people that would come into the bank. Now me, I cannot open my own bank account because I'm in check systems for something that happened with my checking account ten years ago. My ex stole my debit card and was depositing cold checks into the account and withdrawing the money after the funds posted. I reported it to the bank but they said that I was responsible for some of the money. So, I decided to just not have a checking account. I do, however, have a small savings account at a local credit union.
2 people like this
• United States
7 Feb 12
Have you tried lately? I've been told that if it is more than 5 years old it is either deleted from your Chexsystems report, or they overlook it because it is so old. That is another thing I hear all the time when I ask non-customers if they'd like an account, but at least that is a valid excuse. I am also on Chexsystems, even though I've paid off the debt. I haven't looked in about a year, so I may not be on it anymore, but last year I was on it for 2 different banks, including the one I work for!! Like I said though, the debts are paid.
1 person likes this
@dorannmwin (36392)
• United States
7 Feb 12
I actually haven't checked in a while because of the fact that I am able to fully use my husband's checking account and it is really easier for us to just have the one account.
2 people like this
@FrugalMommy (1438)
• United States
2 Feb 12
I don't understand why so many people will give so much information about their situation in response to a question like that. A simple 'no, thank you' would work just fine! I can sort of sympathize with the person who didn't want to open a bank account because it would be frozen to repay student loans. I've been in a position where I needed to decide between repaying my debts and paying my rent, and paying rent and keeping a roof over my daughter's head came before the debts. Thankfully I was able to make up the missed payments and get back on track pretty quickly, but some people aren't able to do that. It may not be that the person doesn't want to pay that loan back so much as they are living so close to their means that they simply can't do it... especially if they also happen to be receiving government assistance, which is what it sounds like you were dealing with yesterday. (And yes, I do realize that there are scammers out there that don't care about gaming the system to get benefits they really aren't entitled to. I just prefer to think that most people aren't like that. ) I'm not very sympathetic about the people who claim to be avoiding paying child support, though. My father-in-law took off when my husband was 12 and did everything he could to avoid paying child support. I don't understand what could drive a parent to do something like that. In my state there's a hotline we can call to report deadbeat parents. I imagine that reporting them to the state wouldn't be something you could do without possibly jeopardizing your job, huh?
1 person likes this
• United States
2 Feb 12
No, we have very strict privacy policies and I could lose my job if I break those rules. My husband also had student loans he could not repay, and they ended up taking his tax returns until the student loans were paid off. I understand some people just have hard times.. so this is in no way directed towards you.. but so many people take out these loans or whatever thinking it's like free money. Most normal people will pay what they can, when they can. I am racking up student loans now because I am in school. I am worried that I could have trouble paying them back when the time comes.. but I will do my best. If I can't make a full payment, at least I will pay something because that's better than nothing and giving them something keeps them off my back!
1 person likes this
• United States
3 Feb 12
Your disbursments are pretty big. Doesn't any of that have to go to the school itself, or was that just for living expenses? I don't claim living expenses, and my loans pretty much go directly to the school, though sometimes I get $100 or $200 back at the end of the semester. I've been wanting to give that money right back to the loan company so it's less I have to pay.. but something always comes up that I need to use it for.
1 person likes this
• United States
2 Feb 12
You're right. There are a lot of people who think that student loans are free money. I'm relying on grants and student loans this semester as well. I just got my disbursement this week, but most of it is already gone. I prepaid my rent until June, paid my car and renters' insurance premiums in full, settled an overdue balance with my OB/GYN's office, and paid extra toward my electric and internet bills so I should be good through June with those companies, too. I had enough left over to buy a new dryer to replace mine (it decided it wanted to be a pyromaniac and tried to set itself on fire). I've been making sure to pay off all of my accrued interest every couple of months so it doesn't capitalize, and whenever I can I make payments toward the principal balance. A friend of mine just got her disbursement, too. All she's been posting about on Facebook is the things she's been buying for herself. New clothes, new shoes, a new digital camera... And then she turned around and started begging for donations from her friends to help her pay her cat's vet bills. I have the feeling she's going to be asking me for money at the end of the semester. You're so right about making at least a partial payment to keep the creditor off your back. So many people just start ignoring things, but it's so easy to call and ask them if there's a way they can work with you to come up with a payment plan that works for your current situation. Letting it go is the absolute worst thing that you can do.
1 person likes this
@AmbiePam (120738)
• United States
2 Feb 12
I can't believe people would actually admit those things!
1 person likes this
• United States
2 Feb 12
Goes to show what kind of people they are! The worst kind!
1 person likes this
@anniepa (27955)
• United States
11 Feb 12
You know, before I started working as a letter carrier I'd have found it hard to believe people would say some of the things they say, but now I sure believe you! I never could figure out what made these people think they had to tell me their personal business to begin with. I mean, if I had a certified letter for them from the tax bureau they didn't have to explain it to me, it was none of my business anyway, but they'd always have a story about why their taxes were late. I also had some people tell me straight out that they'd knowingly run up credit card bills in their exes' names to get back at them for something or another. I also came across some who were trying to avoid child support and I agree, they're the worst of the worst. There's NO way to justify not helping to support one's own child. They helped "make" a baby, they should help support it, at least by paying support if in no other way. Annie
1 person likes this
• United States
13 Feb 12
I know, it baffles me that these people can be so proud of something that is so sickening and disgusting like skipping out on their responsiblities, especially when a child is involved. These are just very low, dirty people. They are the main problem with today's society, and unfortunately they keep breeding and creating more people just like themselves.
2 people like this
@4ofmyown (1119)
• United States
3 Feb 12
I worked in a bank almost 15 years ago and I would always dread the first of the month. To say it gets busy is an under statement...and, it is even worse when it fall on a Friday. I feel your pain!
1 person likes this
• United States
3 Feb 12
I am so glad it's finally the weekend!
1 person likes this
@bounce58 (17380)
• Canada
4 Feb 12
That's kind of sickening! Those people that avoid child support! I get it that they may be hard up, and relying on government checks, but that's no reason to avoid supporting their own children. In fact, having children should have given them motivation to work even harder, or find a job so they could help their own flesh and blood. Even if they become absentee parents, they shouldn't deny their children this. And laughing about it as if it's a joke, takes the cake! Sorry, in my job, our equivalent is the end of the month. That's when we have to make sure we ship a lot of parts to help our bottom line.
• United States
4 Feb 12
I don't care how hard up they are.. since when is it okay to avoid responsibilities just because you can find ways around it? If you brought a child into this world, whether you wanted to or not, you are responsible for it. If you don't want that kind of responsiblity, keep it in your pants! Funny thing is you really only see this sort of things from guys. You don't see women just up and walking away from their kids. I mean first of all, they can't until it's born.. and if they decide by then that it's too much, they do the responsible thing by having the child adopted. But generally if she doesn't make that choice.. then she just basically deals with it and does the best she can. I don't really think that it's fair that men get to walk away scott free if they choose and not give it another thought.
1 person likes this
• Canada
2 Feb 12
Can you not record the names of these people off of their checks, their addresses too, and report them to the police? It is illegal to do what they are doing. What would happen if you reported them to the authorities?
• Canada
2 Feb 12
But is it not illegal to not report crimminal behaviour? I totally get why you need to follow policy in order to keep your job, but it is wrong of your job to put you between a rock and a hard place.
1 person likes this
• United States
2 Feb 12
I would love it if I could, but we have strict privacy policies.
2 people like this
• United States
2 Feb 12
I've never heard that it is illegal not to report someone who doesn't pay child support or student loans. I mean, if the government is paying them, then they already know where they are, how to get a hold of them, and how to get their money. From what I've heard, student loans can go after your social security checks if you don't pay them. I think child support should do the same.
2 people like this
@SomeCowgirl (32189)
• United States
2 Feb 12
I work in retail, and hear some of the craziest things myself. Sometimes I wish I could just tell some of our customers what it's really like but then a few customers later I get one that understands exactly what it is like. Those who aren't paying back on loans or on child support will later regret it as it will come back to bite them in the butt! I work at a grocery store and I have to ask people if they have our store's savings card. If they don't have one I have to ask if they'd want one. I had one lady who tried as she might to not have to tell me, but because of what we are required to do she had to end up telling me why seh didn't want one. Says that they ask for too much information and it's all about privacy. I found it to be ridiculous, our company doesn't sell the information, we just ask for information so that its' more convenient for the customer and for us as a company... Sometimes the things we're required to say at work can get us in trouble. I bet you've heard a few sarcastic / smart remarks yourself that just made your day worse.
1 person likes this
• United States
2 Feb 12
I don't think it's ridiculous for people to want to protect their privacy. Just because your company doesn't sell the information doesn't mean it's actually safe. Our power company was just hacked into, and whoever hacked it got everyone's information that uses that power company.. and it's the only power company in the area.. so that's a lot of information those hackers just got. You can never be too safe.
1 person likes this
@bjc66bjc (6730)
• United States
2 Feb 12
Hi Katsmeow, Thats a perfect analogy of these people, There IS something wrong with some people..and the thing about it is they don't see anything wrong with them saying that kind of stuff to others... I do not envy your job one bit...having to interact with such people can really be annoying..There are so many people in life who tries to do the right things and then you have those jerks who will always try to be scammers... Don't let these jerks take you out of character, just take it for who you are dealing with....LOL...
1 person likes this