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I would not take your financial advice!
  #1  
Old 05-05-2013, 05:12 PM
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Default I would not take your financial advice!

Rayndel's post about the "scientist" who doesn't know how heat works reminded me of a few of my own SC's. I didn't want to thread-jack, so I'm posting my stories here.

Quick BG: I work for a very large full-service financial institution. My department handles incoming calls from existing customers with consumer (personal) credit card accounts.

I took a call one day from an elderly customer. Very sweet woman. After I got her security info verified, she asked me if she could put her financial adviser on the phone because she didn't understand her accounts and he was helping her get her finances sorted. I asked her if she was giving me permission to speak to this person about her account information (we're required to get verbal confirmation if said individual isn't listed on the account) and she said yes, so I gave the go-ahead.

This guy gets on the phone and instantly I do not like him. He has that sort of smarmy attitude that just gets on my nerves. It's also pretty clear that he's a shitty financial adviser. I can understand asking for clarification about something specific to this account, but this jerk didn't even have a basic understanding of credit reporting, interest rates/APRs, or bank lending practices. He was asking me to do things with her account that are prohibited by federal banking regulations! We went around in circles because he could not grasp that this is not a "bank policy" or a lack of authority on my part; it's against the law!

Another one was a customer who called in to request a credit line increase. He was also very cocky and insulted that we had only offered him a credit line of $5000. He claimed to have cards with other banks that had limits of $20,000 or more. His stated occupation was also Financial Adviser, working for a very well-known firm for ~25 years IIRC. His request was not approved. Upon checking his account history, I saw that he's paid over 30 days late on this credit card over a dozen times, and over 60 days late multiple times as well!
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  #2  
Old 05-05-2013, 05:54 PM
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Wow, I hope that elderly woman got herself a new financial adviser very quickly. That guy sounds like a first-class scammer.

  #3  
Old 05-06-2013, 12:48 PM
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Sound to me like this "adviser" may just be a friend/family member who thinks that using such a title makes him sound better to the people they speak with on the phone >_>
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Old 05-17-2013, 02:57 AM
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Quote:
Quoth EricKei View Post
Sound to me like this "adviser" may just be a friend/family member who thinks that using such a title makes him sound better to the people they speak with on the phone >_>
She should still probably try to find a new one though.

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Old 05-17-2013, 08:14 PM
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Quote:
Quoth Silent-Hunter View Post
She should still probably try to find a new one though.
I believe Eric was referring to the person in the second story, not the lady with the bad financial adviser. But yes, I hope she did too.

  #6  
Old 05-18-2013, 05:17 PM
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^_^ I was referring to the financial adviser, actually - -I was expressing my doubt that he was anything of the sort. q.v. times when a person will come in yelling a lie like "I'm a lawyer!" or "I'm the owner's son/uncle/cousin/whatever!", under the delusion that it will intimidate someone.
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"All I am surrounded by is fear. And dead men." Darth Vader, Star Wars: Vader Down
"I have neither the time nor the crayons to explain it to you any further." anon
"It's almost like 'idiot savant' is a life goal." auner01
"You've got a gift. Seek help." Sandcrabsailor
"The moment you trust a demon, they will stab you in the back. Of course, I'm no hypocrite. Anyone who trusts me will get knifed as well." Klokinator, "The Cryopod to Hell"
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