Friend of mine recently started a new job, and 5/3 bank just put a 10 day hold on her second paycheck. Rent is due today, she tried to ATM deposit it Friday because she couldn't get to the bank before they closed. I read through a bunch of previous posts, and 'use the teller' and 'don't ATM deposit right at cut off' I understand all. My question is more 'what are the right words to use when talking to CSRs past that point?'
She works in the food service industry, and obviously has been struggling this past year. But no NSF with 5/3 ever, this was actually the second paycheck from the new employer (albeit larger - first was for a few days, this was for 2 weeks) She actually worked for this employer a few years ago when she opened the account with 5/3, and the whatever specialist even mentioned that.
She spent hours on the phone today with various people at the bank, but they all just kinda treated her like a criminal - one 'supervisor' got really snotty with her, the account specialist (?) basically questioned her employment history (she's changed jobs like 3 times this year - again, food service - and he made it sound that that was suspicious)
She had the owner of the company (it's a local chain) available to confirm employment and he was even willing to get their bank on the phone to confirm funds. No one at 5/3 seemed to care or would even tell her why they were holding it. We're assuming 'looked fraudulent' because of how they were acting, but no one would actually say.
Her rent's never been late and this is literally all the money she has for that, gas, groceries, etc. I'm going to at least float her some for rent, but if there's some way to speed up the process with 5/3 that would be great.
Changing banks is already going to happen. She was almost more upset with how she was treated by 5/3 than the whole money problem. But obviously a young, low-asset client leaving isn't going to mean much to 5/3.
Submitted May 02, 2021 at 12:53AM by Comfort_Perfect https://ift.tt/3nGDJrx
