Senior Citizen’s Bounced Check Saga: A Fiery Exchange with the Bank

“When we are young, we possess a certain level of wisdom, albeit insufficient to navigate the complexities that life throws our way. This wisdom, often coined as the ‘school of hard knocks,’ is something we accrue over a lifetime of experiences. As we age, this reservoir of wisdom deepens, to the extent that people may actively seek our counsel during their own challenging moments.

This sentiment resonates with an 86-year-old widow who recently took a humorous stand against a bank. She found herself in a situation that will undoubtedly tickle your funny bone.

In a letter addressed to the bank, she penned her thoughts:

“Dear Sir,

I am writing to express my gratitude for the unintentional comedy that ensued when you bounced the check I had issued to pay my plumber last month. According to my calculations, a mere three nanoseconds transpired between the moment he presented the check and the miraculous appearance of the funds in my account to honor it.

I am, of course, referring to the seamless, automatic monthly deposit of my entire pension—a financial arrangement that, I must confess, has been faithfully in place for a mere eight years now.”

You are to be commended for seizing that brief window of opportunity, and also for debiting my account $30 by way of penalty for the inconvenience caused to your bank.

My thankfulness springs from the manner in which this incident has caused me to rethink my errant financial ways. I noticed that whereas I personally answer your telephone calls and letters, – when I try to contact you, I am confronted by the impersonal, overcharging, pre-recorded, faceless entity which your bank has become.

From now on, I, like you, choose only to deal with a flesh-and-blood person.

My mortgage and loan repayments will therefore and hereafter no longer be automatic, but will arrive at your bank, by check, addressed personally and confidentially to an employee at your bank whom you must nominate.

Be aware that it is an OFFENSE under the Postal Act for any other person to open such an envelope.

Please find attached an Application Contact which I require your chosen employee to complete.

I am sorry it runs to eight pages, but in order that I know as much about him or her as your bank knows about me, there is no alternative.

Please note that all copies of his or her medical history must be countersigned by a Notary Public, and the mandatory details of his/her financial situation (income, debts, assets and liabilities) must be accompanied by documented proof.

In due course, at MY convenience, I will issue your employee with a PIN number which he/she must quote in dealings with me.

I regret that it cannot be shorter than 28 digits but, again, I have modeled it on the number of button presses required of me to access my account balance on your phone bank service.

As they say, imitation is the sincerest form of flattery.

Let me level the playing field even further. When you call me, press buttons as follows: IMMEDIATELY AFTER DIALING, PRESS THE STAR (*) BUTTON FOR ENGLISH
#1. To make an appointment to see me

#2. To query a missing payment.

#3. To transfer the call to my living room in case I am there.

#4 To transfer the call to my bedroom in case I am sleeping.

#5. To transfer the call to my toilet in case I am attending to nature.

#6. To transfer the call to my mobile phone if I am not at home.

#7. To leave a message on my computer, a password to access my computer is required. Password will be communicated to you at a later date to that Authorized Contact mentioned earlier.

#8. To return to the main menu and to listen to options 1 through

#9. To make a general complaint or inquiry. The contact will then be put on hold, pending the attention of my automated answering service.

#10. This is a second reminder to press* for English.

While this may, on occasion, involve a lengthy wait, uplifting music will play for the duration of the call. Regrettably, but again following your example, I must also levy an establishment fee to cover the setting up of this new arrangement. May I wish you a happy, if ever so slightly less prosperous New Year? Your Humble Client And remember: Don’t make old people mad. We don’t like being old in the first place, so it doesn’t take much to piss us off.”