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  • I ruined Christmas...

    This is a first for me in this particular job because I am not in a retail setting at all.

    Basically, I work in a call center that supports a major client and I am on the chat team. And today I was chatting with somebody that could not understand that he was not getting a refund for funds taken for his dependent care FSA even though the bank that handles the account says that the full amount has been contributed already. Even though his year to date makes it quite clear that he has not yet contributed that amount from his pay. Even though I explained to him multiple times how the account works and that the employer may front-load seven weeks' worth of contributions, and that the total amount he elected was divided by the 26 pay period of the year and would continue even once the bank shows the $5000 in contributions to the account.

    Math is NOT my strong suit, but apparently the dude I was chatting to is even worse when it comes to math. He argued that he should not have to continue contributing to the account because the damn bank told him that the full amount has been contributed. And the bank also told him that any funds now being sent over by the employer are now being returned back to the employer...so buddy is expecting a refund. Yeah, but nope. I even explained to him that he should consider the front-loaded funds should be considered like a loan that he is now having to pay his employer back for it.

    Then he comes out with "but you don't understand! This is money that I need for Christmas and I had counted on those funds. You've ruined Christmas!"

    I ended the chat with "When you enrolled into that account you were advised that you would see those deductions taken every pay for the entire the year." I was going to type: If you cannot budget then that is not <client's> problem.

    But I still need this job so I avoided that.

  • #2
    Already? It's not even Thanksgiving yet! I am always amazed at how many people I know who don't have a CLUE how their benefit programs work. I don't have a dependent FSA but a healthcare one. I know that whatever amount I choose to contribute, i divide by 26 (number of pay periods in a year) and that is the amount that will be deducted from my check. Each and every time.

    I also know that I can submit and use the full balance, even though it may only be 6 months into the year, as my contributions will continue, and I cannot change or stop them.

    I further know that if I have any $$ left at the end of the year, under my plan i can use it for any expenses incurred through March 15 of the next year. Or lose them.

    FInally, although this happened at my last job, 15 years ago, I know that the plus side of losing money for nothing using it is if I use it all, and then leave, I do not have to pay my employer back. Or at least I didn't at that particular job. Not sure if that's the way it is, or varies by employer.

    But i know folks who have no clue how these FSA's work, or even their own health insurance. I just don't get it. I know how mine works, and I am pretty healthy, some of the ones who have no clue, have chronic or major conditions, and they are constantly baffled as to what is covered, what is not, and so on.

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    • #3
      "I ruined Christmas"

      One of the best traditions at CS.
      Fiancee: We're going to need to do laundry. I'm out of clean pants.
      Me: Sounds like a job for Gravekeeper!
      Fiancee: What?!
      Me: Nevermind.

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      • #4
        You ruined a Christmas already?

        I'M JEALOUS AND I HATE YOU AND I'M JEALOUS AND I HATE YOU.
        Knowledge is power. Power corrupts. Study hard. Be evil.

        "I never said I wasn't a horrible person."--Me, almost daily

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        • #5
          It's okay to hate me because I'm beautiful...erm...first to ruin Christmas :P I'm sure you'll do it in epic style when you finally get to ruin somebody's Christmas this year

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          • #6
            I've never ruined a Christmas.
            "Is it hot in here to you? It's very warm, isn't it?"--Nero, probably

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            • #7
              We should start a tally
              See who ruins the most Christmas'

              Will be heartbreakingly fun

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              • #8
                I would like to formally congratulate KuariKaydrith for being the first winner of the 2014 CS.com "I ruined Christmas" contest. (cue pomp and circumstance music). It was a long year, and none of us thought it would come this early, but celebrations are in order. (Looks at betting pool)...Wow, nobody had this day down yet, so the pool is still active... Also, thanks to the customer for his or her irresponsibility, as always, for this contest would not have existed without doofus, er..um, people like you...

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                • #9
                  Quoth Food Lady View Post
                  I've never ruined a Christmas.
                  So far I've not been accused of ruining a Christmas either. But this season is only beginning . . .

                  Yeah, I'm waiting for someone to tell me that - I sure could use a good laugh.
                  Human Resources - the adult version of "I'm telling Mom." - Agent Anthony "Tony" DiNozzo (NCIS)

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                  • #10
                    I've never gotten the "you ruined Christmas" line either.

                    I doubt I'll ever get it in my current position, but I suppose it's possible. All that has to happen is some poor IT schmuck has to miss Christmas with his family (say, because he had to make an emergency trip to the datacenter) because of some faulty appliance... or preferably because of something he did himself.
                    Supporting the idiots charged with protecting your personal information.

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                    • #11
                      I ruin people's lives daily, it'd seem.
                      Ruining Christmas shouldn't be too hard of a task.

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                      • #12
                        Quoth prjkt View Post
                        We should start a tally
                        See who ruins the most Christmas'

                        Will be heartbreakingly fun
                        I'd like to make an early bid for that title; we're losing half our destinations for 2 weeks over the Xmas period, including an extra 2 days with no services at all the weekend immediately following Xmas Day. I fully expect people to be turning up laden with gifts & turkeys, only to find they can't get home (or wherever they wanted to go) even though we've been advertising this since Summer...
                        This was one of those times where my mouth says "have a nice day" but my brain says "go step on a Lego". - RegisterAce
                        I can't make something magically appear to fulfill all your hopes and dreams. Believe me, if I could I'd be the first person I'd help. - Trixie

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                        • #13
                          Just curious, but why the reduction in service around Christmas? You'd think that a transportation company would increase service at that time - after all, employees don't need to get home to visit family.
                          Any fool can piss on the floor. It takes a talented SC to shit on the ceiling.

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                          • #14
                            I remember the first time I ruined a customers Christmas...1984, Burlington Coat Factory, their card was declined for a huge amount of toys and stuff. Customer screamed it at me that I ruined her whole family's Christmas. All I could think of was "So, what..you screwed up your finances and it is my fault???" I just slowly put all the bags down off the counter behind the register (she was screaming and I thought she would grab the stuff and run) and tell her she needed to call her bank to see what the issue was <coughdeadbeatcough>.

                            Since then I have had many, many more times either because we didn't have the exact thing they wanted (Christmas Eve, 1 hour to close and you want this years hottest toy? Bwahahahahaha) or their card declined. Fun times..fun times

                            Congrats on getting an early start to your Holiday Ruining Season!!!

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                            • #15
                              I miss ruining other people's Christmas! Even if it wasn't my fault that they failed to schedule a tech to repair the stove that'd been broken for at least a month and were waiting for the day before Xmas eve to do it!
                              If I make no sense, I apologize. I'm constantly interrupted by an actual toddler.

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