So I have some coins ive collected over the year. I brought it to my primary bank, JP Morgan Chase and asked to deposit them, they said they needed to be rolled. So they gave me some rolls and i went home and rolled them. All my quarter stacks are 100% accurate. At the end of the day at my current job, i have to count the money i made ( i work at a farmers market) before i deposit it so I'm fairly used to counting a ton of coins accurately.
I decided that my 2nd bank, TD bank is closer so i just take it there instead of wasting gas to get to the chase bank.
So I told the teller that id like to deposit these rolls of coins. they said that because they are not machine rolled, they cannot take them and requested that i deposit them in the coin counter machine which is free to TD bank customers.
I replied that ive used that machine several times and its always off by a large amount, usually 20%. Last few times i dump my coins in there, i counted by hand about $100-120. the machine gives me about $70-$80 on that. I have no way of proving how much i had so i took it as a lost.
So I tried to make a point by taking 2 stakcs of $10.00 quarters and $28 in dollar coins. The total should be $48.00 exact. I asked that she verify the amount and she would not. I asked that she come watch me do it, and she would not. Of course, i broke out the coins stack them up to make sure i had $10 in each and then dumped them into the machine.
I got $46.25, off by 1.75 or 7 quarters. It was accurate on the 28 dollar coins though.
I brought it back to her and she stood by the fact that my counting was wrong and that hte machine was right and how they test it a billzillion times a day etc and i just said ill take it as a lost to show you that the machine is wrong. But what does it really matter in the end because i doubt she gives a make the beast with two backs.
So just to let you guys know, this is the 4th time that the machine has counted wrong and its a scam.
Just to reassure myself that im not nuts, i broke open each $10 stack of quarters in front of my brother and had him verify that it was $10, all my stacks are indeed correct.
So this is how days go by in NYC [coffee]
Can of chicken grease?
good call, maybe i need to lube my coins before i dump them in. [laugh]
(http://www.fistofblog.com/wp-content/uploads/2009/09/chicken.jpg)
maybe i should go buy something in quaters. or just buy a bunch of lotto tickets.
And why didn't you get the bank manager?
Those machines are sheisty... no doubt about that.
But whenever I use them, it is usually for large amounts of coins so I never count them before I take them in.
Makes me wonder though because last time I had like $250 worth of change..... according to the machine
That's my son's college fund dammit
That's BS. My bank gave me shit too so I escalated to the Mgr who said they will take it and confirm the deposit with their central facility. I was on the money.
For some reason it makes me feel better about the scam check for almost 3K that came via UPS drawn against TD Bank. It was for the Large format printer I wanted to sell on Craigslist for $250. The extra money was "For my running around" and "to wire money to the shipper to come and pick it up."
Anyway I think I still have that check sitting on the bookshelf.
Considering the epic ass-rape that the banking and financial industry pulled on us as taxpayers....writing and covering bad mortgage paper
this is no surprise
My favorite is the auto loan that we only get invoices for every other month.....they always claim it was sent
we never see it.......but they are damn sure to get the one with a late-non payment fee tacked on into the mail box
welcome to America the new thoroughly corrupt Banana Republic of the western hemisphere
Quote from: RAT900 on August 25, 2011, 04:22:56 AM
Considering the epic ass-rape that the banking and financial industry pulled on us as taxpayers....writing and covering bad mortgage paper
this is no surprise
My favorite is the auto loan that we only get invoices for every other month.....they always claim it was sent
we never see it.......but they are damn sure to get the one with a late-non payment fee tacked on into the mail box
welcome to America the new thoroughly corrupt Banana Republic of the western hemisphere
LOL, Ive had this one happen MANY TIMES. A bank releases escrow and you never recieve it. EVERY SINGLE TIME, the bank has lost the check and ive had to write a letter requesting a stop and reissue. yet their monthly bill is spot on every time.
you should buy a few roll of quarters from the bank then dump them into the machine. if it spits out less than the correct amount, TD is in the wrong. Technically, the roll of quarters could have contained less than $10, or the machine could have counted wrong. But since you bought the roll from TD, they eff'ed up either way.
Do this in front of a manager. Or pretend you don't know how to use the machine and ask for help. Or record a single shot video of you buying the roll, walking over to the coin counter and depositing the coins. Make sure the coins are in view of the camera the entire time. Show to manager. If he doesn't want to watch it, upload to youtube.
Quote from: live2ride on August 27, 2011, 07:49:43 AM
you should buy a few roll of quarters from the bank then dump them into the machine. if it spits out less than the correct amount, TD is in the wrong. Technically, the roll of quarters could have contained less than $10, or the machine could have counted wrong. But since you bought the roll from TD, they eff'ed up either way.
Do this in front of a manager. Or pretend you don't know how to use the machine and ask for help. Or record a single shot video of you buying the roll, walking over to the coin counter and depositing the coins. Make sure the coins are in view of the camera the entire time. Show to manager. If he doesn't want to watch it, upload to youtube.
guinness ad (http://www.youtube.com/watch?v=3DPKf7y1F-Q&feature=player_detailpage#)
Quote from: live2ride on August 27, 2011, 07:49:43 AM
you should buy a few roll of quarters from the bank then dump them into the machine. if it spits out less than the correct amount, TD is in the wrong. Technically, the roll of quarters could have contained less than $10, or the machine could have counted wrong. But since you bought the roll from TD, they eff'ed up either way.
Do this in front of a manager. Or pretend you don't know how to use the machine and ask for help. Or record a single shot video of you buying the roll, walking over to the coin counter and depositing the coins. Make sure the coins are in view of the camera the entire time. Show to manager. If he doesn't want to watch it, upload to youtube.
This. Get it on youtube. Hope it goes viral.
I really don't understand banks. They all do essentially the same thing at the same rates, so essentially it comes down to the level of service they provide. But they all provide CRAP service.
What's a TD bank?
Quote from: erkishhorde on August 29, 2011, 11:08:48 AM
What's a TD bank?
Commerce Bank Becomes TD Bank: Television Ad Featuring Regis and Kelly (http://www.youtube.com/watch?v=IwMl1PhAG9U#)
Give up on the major banks and go to a credit union.
I love my credit union.
i just read up the differences between credit union and banks. being part of a credit union pretty much kills my ability to keep my cash in a bank. which only affects me when im traveling pretty much.
shitty banks r us.
http://www.amazon.com/Brookstone-Motorized-Electric-Coin-Sorter/dp/B002BRU5F0/ref=sr_1_4?ie=UTF8&qid=1314735421&sr=8-4 (http://www.amazon.com/Brookstone-Motorized-Electric-Coin-Sorter/dp/B002BRU5F0/ref=sr_1_4?ie=UTF8&qid=1314735421&sr=8-4)
probably pays for itslef in one use if you get your money jacked.
Quote from: vincheung on August 30, 2011, 10:00:24 AM
My credit union is like the DMV, long lines, teeth sucking bad attitude tellers, nickel and dime you for everything (atm fee + $1 credit union fee even for checking balance), only good thing is their loan rates.
Sucks to be a member of your credit union then.
Mine just about always has short lines, the tellers in both branches that I infrequently visit are extremely polite, and I don't get feed on anything. Plus, the loan rates are fantastic.
I had been a customer of Citibank for 12 years, and cut the ties earlier this year.
I started my account with my credit union back in '07 when I bought the S2R1k.
Slowly increasing my business with the CU over the years, and just constantly getting fantastic service sealed the deal.
The only advantage to a bank is access to your bank's atm's across the country.
If you're a member of the credit union, if you can locate another credit union across the country, usually there's no fee to get cash.
BC.
Quote from: RAT900 on August 25, 2011, 04:22:56 AM
Considering the epic ass-rape that the banking and financial industry pulled on us as taxpayers....writing and covering bad mortgage paper
this is no surprise
My favorite is the auto loan that we only get invoices for every other month.....they always claim it was sent
we never see it.......but they are damn sure to get the one with a late-non payment fee tacked on into the mail box
welcome to America the new thoroughly corrupt Banana Republic of the western hemisphere
+1000
Quote from: He Man on August 29, 2011, 07:46:56 PM
i just read up the differences between credit union and banks. being part of a credit union pretty much kills my ability to keep my cash in a bank. which only affects me when im traveling pretty much.
Why?
I use USAA for banking. No branches in CA but all ATM surcharges and fess are refunded. Deposits done in 60 seconds via iPhone.
I also have an account at my credit union for loans and the rare time I need a cashiers check, make a cash deposit, etc. No lines. No attitude. Easy loans with low rates. Signature loan of two months salary available in an hour if needed. When I needed a cashiers check once, but the money I transferred hadn't cleared yet, they looked at my account and loan history and cut the $5K plus check. Try that at a bank.
Ive had to escalate my "coin roll" deposits a couple times beyond the newly trained Teller up to the manager level.
Just ask them if they know if any other banks will take the coin rolls, its not hard to walk across the street and get them cashed.
And just so I can add my sob story . I had coins get jammed in there but didn't realize it until the guy behind me asked why his balance was Zero after he dumped in his coins. So he got credit for my money when they fixed the machine. He was nice enough to throw me 20bucks because he knew he didnt have as much as he was credited.
Quote from: hbliam on August 30, 2011, 03:49:01 PM
I use USAA for banking. No branches in CA but all ATM surcharges and fess are refunded. Deposits done in 60 seconds via iPhone.
Or in any state for that matter. But I will agree with you, USAA is pretty make the beast with two backsing awesome for banking if you can get in the door. Their loan rates are great, and their mutual funds work well too.