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faarcyde posted:I'll defer to OP and make this my last post. It's not so much that the choice is better than the lack thereof. The reason that payday loan places exist is that the alternative is loan sharks who break your leg for nonpayment. It's just as applicable here as it is for drugs and prostitution. If they are not legal and regulated loans for desperate people aren't going to go away. Criticizing the op for working there is like criticizing a methadone clinic worker for us drug policy. Now criticizing him for a lack of good stories...let's try the candy assault? That sounds promising.
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Oct 14, 2015 15:40
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How often do you have to deal with people trying to cash false/forged checks? That's what I always wondered about the check cashing places unaffiliated with banks; doesn't really take a genius to make up a fake paycheck in Quicken or something.
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Oct 14, 2015 18:33
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The Phlegmatist posted:How often do you have to deal with people trying to cash false/forged checks? That's what I always wondered about the check cashing places unaffiliated with banks; doesn't really take a genius to make up a fake paycheck in Quicken or something. On the other hand, you're probably more likely to get away with actual armed robbery than trying to pass a fake cheque. They have your ID, they have your image on security camera, and cheque fraud is a serious crime.
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Oct 14, 2015 19:54
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You said something about counterfeit checks, were they easy to determine as a fake or were they intricate? How often does this happen? Anything crazy happen as a result of receiving a fake check( e.g. police involvement and guy resisting arrest)? I find counterfeiting to be very fascinating.
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Oct 15, 2015 01:55
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Frank Viola posted:You said something about counterfeit checks, were they easy to determine as a fake or were they intricate? How often does this happen? Anything crazy happen as a result of receiving a fake check( e.g. police involvement and guy resisting arrest)? I'm imagining the guy in Papers Please trying to pass off the passport written in crayon on a white piece of paper.
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Oct 15, 2015 11:25
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This guy is a cashier at this place. Stop badgering him. It's like bitching at the Walmart cashier for the union policies. Let him tell his loving story. Tell us about crazy people.
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Oct 15, 2015 11:35
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Truly bank tellers are ruthless enforcers of the capitalist regime, not to mention cunning counter-revolutionary agents whose Ask/Tell agitprop lulls the proletariat into submission.
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Oct 15, 2015 17:31
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Blue Footed Booby posted:I'm imagining the guy in Papers Please trying to pass off the passport written in crayon on a white piece of paper. I actually imagined the same thing when asking this.
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Oct 15, 2015 18:13
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Non Serviam posted:Tell us about crazy people. you know, besides the people who argue about free market economics in random threads.
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Oct 15, 2015 21:15
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Frank Viola posted:You said something about counterfeit checks, were they easy to determine as a fake or were they intricate? How often does this happen? Anything crazy happen as a result of receiving a fake check( e.g. police involvement and guy resisting arrest)? I worked in the cheque cashing/payday loan business for about 5 years, and I've probably seen over a hundred fake cheques. They range in quality from obviously printed at home to using special chemicals to dissolve the ink so they can be changed. Typically the things we would look for are watermarks, the customer's history with the company and cashing with us, and calling the company to verify that the cheque was written to the client. Nothing particularly crazy but I've called the police on the really obviously fraudulent ones. One time a lady came back and confronted me about calling the police on her, she spat on the glass, punched it, and walked out. Unrelated to fraud, but one time someone came into our branch and tried to rob it with an unarmed hand grenade.
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Oct 16, 2015 02:10
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The REAL reason the OP sucks is that he's barely posted in his own thread t
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Oct 16, 2015 02:13
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Did they ever fix the issue of robbing a payday loan place not being a federal offense (as robbing a bank would be)? There was a guy locally who made and ton robbing those places. He was only caught because on his sixth or seventh heist, he parked right next to the door and a camera got his license plate. Each haul was way more than the average bank robbery and the time recieved was much less than if he went for banks. (Please no one rob a payday loan place)
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Oct 16, 2015 18:46
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Sorry, been caught up with stuff. I am an awful OP. I'll make it up for it with a bunch of stories once I'm at home on my computer but I'll talk a bit about counterfeits now because I love this stuff. People that bring in fake checks usually are victim of a scam. They cash the check and wire most of the cash back to whomever. At my place of work we are really good at catching fakes. We also have to have your information including your social security number in case of filing a Suspicious Activity Report. The best part of fake checks is that most of them look like garbage. They're often on two specific kinds of check stock, or they'll say some poo poo like "Official Check". Even if the check looks good, most customers fall apart when we ask questions. If someone does get one through, it's usually very small. I'll write some fun stories tonight. If you asked a question I'll respond to that, too. Sorry for being the worst OP.
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Oct 17, 2015 04:48
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OP does your branch do Western Union transfers or the like? I managed to save around 20 or 30 people from sending money overseas by spotting obvious scams before they could make a mistake.
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Oct 17, 2015 05:26
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Agoat posted:I don't mind talk about payday loans, but gently caress off if you think you're going to guilt me over my job. I believe in treating adults like adults. If they want a payday advance, that's their business and nobody forced them in the door. Assuming they can't make their own decisions is... I don't know, something. Disrespectful. It isn't like you are a telemarketer, bugging people at home. These people come to you. F the haters.
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Oct 17, 2015 05:38
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Overdrift posted:OP does your branch do Western Union transfers or the like? I managed to save around 20 or 30 people from sending money overseas by spotting obvious scams before they could make a mistake. We use Western Union specifically. I've spotted the same scams and I'm still confused as to how people think a Nigerian prince actually contacted them. Funny part of of the wire scams is people leave detailed notes when it's funny but hardly leave anything if it's boring. GORDON posted:I believe in treating adults like adults. If they want a payday advance, that's their business and nobody forced them in the door. Assuming they can't make their own decisions is... I don't know, something. Disrespectful. It isn't like you are a telemarketer, bugging people at home. These people come to you. It's funny, all the signs are there that it's a bad idea, too. Financial aid brochures and crazy disclosures... then they're still surprised after the fact. Dr.Caligari posted:Did they ever fix the issue of robbing a payday loan place not being a federal offense (as robbing a bank would be)? A local competitor got robbed recently. My company was mostly laughing at them and I'm here like "Guys this can happen here too shut up". You'd be surprised how much is kept in the vaults of those places. If it's a "cash in" day it's a poo poo ton. Blue Footed Booby posted:I'm imagining the guy in Papers Please trying to pass off the passport written in crayon on a white piece of paper. This is way too accurate. Story time. I worked with an older guy, he was on track to become a manager and he was pretty awesome to work with. He didn't take poo poo from anybody. So we were pretty busy one evening but we were getting work done as usual. He was processing a payday loan, but something had gone wrong and he was fixing it. The customer got mad and started throwing candy through the slot in the window to hit my coworker. I'm speechless and my coworker just goes "Well gently caress you! Now I'm not gonna help you!". The customer literally starts crying, sits on the floor then leaves. Agoat fucked around with this message at 08:33 on Oct 17, 2015 |
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Oct 17, 2015 08:26
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Agoat posted:You'd be surprised how much is kept in the vaults of those places. If it's a "cash in" day it's a poo poo ton. I no longer work there, but on the busiest days we would get in cash orders as large as $600k. It was pretty crazy being left in a room with a stack of cash that large.
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Oct 17, 2015 21:49
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Do you get many people trying to do traveler's check fraud? I worked for several major retailers years ago that refused to accept them as payment due to a huge number of fake or stolen checks. We'd get people who would try to buy something small, like a pair of shoelaces, and pay for it with a $100 traveler's check to get the cash from breaking the check, or whatever it's called.
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Oct 17, 2015 22:24
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Overdrift posted:I no longer work there, but on the busiest days we would get in cash orders as large as $600k. It was pretty crazy being left in a room with a stack of cash that large. I've never been in charge of that much, I refuse to go above my current position. But the money starts to become part of inventory after a while. You forget it's actual currency. Terrorist Fistbump posted:Do you get many people trying to do traveler's check fraud? I worked for several major retailers years ago that refused to accept them as payment due to a huge number of fake or stolen checks. We'd get people who would try to buy something small, like a pair of shoelaces, and pay for it with a $100 traveler's check to get the cash from breaking the check, or whatever it's called. I've gotten one traveler's check to cash and immediately called home office to refuse it. I wasn't interested in chancing it. Most people hear that it costs 10% to cash a personal check and bail, usually if they have a huge check and are willing to pay that much something is up.
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Oct 17, 2015 23:13
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Agoat posted:Most people hear that it costs 10% to cash a personal check and bail, usually if they have a huge check and are willing to pay that much something is up.
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Oct 18, 2015 17:43
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Terrorist Fistbump posted:Whoa, that's a crazy high fee. Where I live it's illegal to charge more than 2%. Got any stories of customers getting irate when they find out how much has been taken out as your fee? It happens pretty often. We're technically not supposed to tell them the fee for checks up front, but rather tell them what they're getting. (Though it is posted online and on promotional boards in the lobby.) They hear they're losing out on $25 or so they freak out. Most of the time customers will just go "Woah nvm can I have that back?" and they'll go about their business. All of the associates are really cool about it, less work for us and the customer isn't mad. But sometimes they freak out and associates will just cash them out and pretty much tell them to gently caress themselves. Depending on who the manager on duty us I'll push back a little bit, but not nearly as much as when I'm dealing with a customer that bounced a check. I did have a customer start screaming at me about rape, though. That was fun. In my state we can cash up to 10% for personal checks. Usually if someone has a big personal check and they're willing to eat a $50 fee on it I can assume it's not a good check. I hate cashing them in general. If it returns it comes back on me. Agoat fucked around with this message at 22:19 on Oct 18, 2015 |
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Oct 18, 2015 22:04
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Are you held personally responsible for any transactions you process that are fraudulent/does the company recoup losses from you if one of the transactions is fraudulent and you didn't catch it?
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Oct 27, 2015 18:21
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What happens when customers default on the loan?
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Oct 29, 2015 21:48
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I did a payday loan once not long ago when I ended up having to pay rent on 2 apartments on the month I was moving. This was in Canada, but they got me to sign into online banking and verified what my paycheques usually were and the money automatically came out after the next paycheque deposited. It was a flat rate of $25 for a $300 loan which is less than a $45 fee for bouncing a cheque. I can totally see it becoming a problem if you start stringing loans together at the higher (non-introductory) rate. Really though it was still kind of rough getting by with $325 less of my pay, but I have at least some self control. I know my story is boring, but just wanted to say that these places and their employees can help people out of a temporary jam and may not be all the way evil.
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Oct 29, 2015 23:11
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Massasoit posted:Are you held personally responsible for any transactions you process that are fraudulent/does the company recoup losses from you if one of the transactions is fraudulent and you didn't catch it? We were not personally responsible, but if you cashed more fraudulent cheques than would be generally be expected, or if you were not following the anti-fraud procedures, you'd be written up and eventually fired. The company would usually collect on these cheques by certifying them at a bank, or just eating the loss in the case of fake cheques. joebuddah posted:What happens when customers default on the loan? At my store they would try to contact the customer to make payment arrangements, and if that didn't work, they'd attempt to bank collect the loan on the customer's payday. I ran into a lot of people that had that happen to them and they'd usually be PISSED, but forced to reloan with us because their paycheque was taken.
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Oct 29, 2015 23:40
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Massasoit posted:Are you held personally responsible for any transactions you process that are fraudulent/does the company recoup losses from you if one of the transactions is fraudulent and you didn't catch it? Nothing like that. They review transactions and if it's something not easy to catch (Like a small wire transfer) they glance over it. If I'm obviously not paying attention and just processing things without question I'll get in trouble, but they won't go after me financially. The practice can be considered shady but my employment isn't! The worst that has happened was I talked to a chill detective about a wire scam. I didn't remember anything so it's not much to talk about. joebuddah posted:What happens when customers default on the loan? If they miss their due date we call them first. Then we deposit the personal check they gave us. If it clears, we're good. If it bounces, we contact them and follow some basic collections procedures. I don't do any collection calls myself but sometimes I get customers with open returns in the store. My company is pretty nice about owing is money unless you catch an attitude. Nimrod's Son posted:I did a payday loan once not long ago when I ended up having to pay rent on 2 apartments on the month I was moving. This was in Canada, but they got me to sign into online banking and verified what my paycheques usually were and the money automatically came out after the next paycheque deposited. It was a flat rate of $25 for a $300 loan which is less than a $45 fee for bouncing a cheque. I can totally see it becoming a problem if you start stringing loans together at the higher (non-introductory) rate. Overdrift posted:We were not personally responsible, but if you cashed more fraudulent cheques than would be generally be expected, or if you were not following the anti-fraud procedures, you'd be written up and eventually fired. The company would usually collect on these cheques by certifying them at a bank, or just eating the loss in the case of fake cheques. This is what my company does depending on the situation. We'd rather get cash than do to the bank. Agoat fucked around with this message at 09:11 on Oct 31, 2015 |
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Oct 31, 2015 09:04
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