A Man Walks into a Bank (2001)
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I wonder how much of the story is true, surely over years of telling the story for audiences he's found that slight modifications have made it more entertaining. Combine that with the fact that our memories are already not that great, and I'd imagine that while the overall story is probably true, a lot of the specifics aren't.
[0] https://www.bloomberg.com/news/articles/2012-08-13/performer...
"Banks don’t do business like the rest of us do business. Banks don’t do lunch to resolve an issue. They send a lawyer. Banks don’t care about your rights. They care about their rights. (Read your bank’s provided explanation of your banking rights, if you don’t believe me.) Banks don’t care about your bank balance. They care about their bank balance. And what banks really don’t do is take responsibility for their mistakes. They enforce penalties for ours."
Not disagreeing with that behaviour being toxic to society, but I highly doubt that this is specific to banks. In particular, I don't see a direct connection between dealing with financial products and not caring about your customers or users unless forced by law to do so. For example, Google didn't even provide a reliable point of contact until forced by law to do so, which is something I've never heard of a bank.
Look at it from their side: a man knowingly commits fraud in a way that, for whatever reason, isn't immediately caught, and they likely knew that he knew he was committing fraud due to his conversations with bank employees before he took the money out of the account. They would have started an investigation when their settlement accounts didn't balance. That takes time. When they track it back to him, he refuses to return the money.
No one does lunch to resolve issues. No one cares about the rights of people stealing from them. Banks may not have the best customer service, but they're not Google.
Around here, people who write bad checks get arrest warrants and their pictures posted above the cash register.
Man rips off a bank that signs contracts without reading them. Fraud.
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And it's not about poor customer service. I went to a bank to create an account. They offered me some savings scheme. It rounds up purchases and puts the difference into a "savings jar". If you want to use the money, it takes like 3 days to change them to regular balance. Now, why would anyone use that? It limits their options, and doesn't offer anything in return. The bank most likely gives the clerks a premium on every person they sign up for this thing, but still, the clerk wasn't able to explain the benefits (because there weren't any). The best thing she could say about it was literally "you can opt out through the internet banking app".
This is a trivial matter, but nonetheless, illustrates their attitude well. They convince people who don't know any better to agree to contracts that aren't beneficial for them.
How's that better than fraud?
http://www.businessinsider.com/dmitry-agarkov-sues-tinkoff-c...