A boyfriend and girlfriend came into the credit union on Monday and wanted to talk to my manager, Kim. The man told her that he had been into our branch the previous Saturday to make a $600 deposit into his girlfriend's account (he was not joint on her account). He said that they had checked her account today and the deposit wasn't showing up.
Kim was cool about it and tried to help them out. She asked which teller had helped him. He said, "It was a guy with blond hair." It wasn't hard to figure out to whom he was referring. There are only three guys that work at my branch-Jamaal, who definitely doesn't have blond hair, Tony, who has no hair and me.
She quickly got the impression, though, that something was a little fishy about all of this. Kim knew that I had worked at the drive-thru all day on Saturday. She asked him a trick question, "Which station did you go to when you came into the building?"
He pointed and said, "It was one of those in the middle."
"And you didn't go through the drive-thru?" Kim asked.
"No. I came inside."
"Do you have your receipt?"
"The guy said he wouldn't give me a receipt because I wasn't on the account." Kim knew this isn't what would have happened, even if he didn't have an account.
Kim explained that I was the only guy working on Saturday and that I hadn't helped anyone that came inside.
"I know that he helped me," he insisted.
Kim, despite her doubts, was nice and even looked through all of my receipts to see if I had taken a $600 deposit and accidently deposited it to the wrong account. She found that I hadn't done any $600 transactions all day.
"I've looked at all of the receipts and he didn't do anything for that amount," She told him.
"Well, maybe he just pocketed it." Uh-oh, that was the wrong move. Kim doesn't take kindly to people accusing her tellers of stealing money.
"He didn't take the money," She said flatly.
"How do you know he didn't take it?"
"He's worked here for five years. He wouldn't take the money."
He argued with her, but she wasn't having any of it. Her feeling was that the girlfriend probably had given him the money and he had kept it. She definitely didn't think he had actually come into the branch.
"So you're not going to do anything?" He asked.
"I would love to pull the surveillance tapes for you. I'll just find when you came in the door and then follow you until I see which teller you went to."
"You can do that?"
"Absolutely."
The guy fumbled with a few more lies and then stormed out of her office. After they left, Kim continued to look at the lady's account. She called over to the branch where the woman had opened her account to ask if they knew anything about her.
"Yeah," said the branch manager. "They were in here an hour ago. They said they made a deposit and it didn't get put into their account. They said a guy with blond hair did the transaction. I told them that was impossible because no guys work at this branch."
Pretty sweet scam, I guess. Go into a branch and say that you gave a teller cash and it never got into the account. If that doesn't work, try another branch. I guess that's what you do when you've been contacted by the collections department and you know that if you don't make a payment by Saturday they are coming to repossess your car. Maybe next time, guys.
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