On Banks and Service
Posted in Finland on May 23rd, 2006I pay for pretty much everything in plastic. It’s very easy to overspend with cash, and thanks to direct debiting from my bank account, I never go below what I have. I wanted to pay for my new MP3 Player in the way I usually do, by whipping out my card, signing my name, showing some ID and leaving a happy man.
Not this time. Apparently my new card, issued by my bank just two weeks ago, is part of a line of faulty cards, and that I couldn’t pay with it. This coming from the guy holding my new player, the last in the store. I told him I’d go just get the cash from an ATM downstairs, and to hold onto it, except I couldn’t since I have a daily withdrawal limit of 200 euros. So off to the bank I go.
I was fuming by then, because I had planned on spending my morning enjoying my new player and doing useful stuff instead of running around Helsinki to get cash because of an issue beyond my control. I’m usually not the type of guy that explodes at customer service people because of my experiences, but I did make my feelings about their lousy cards clear to the bank teller.
“There is nothing wrong with the card. We have heard of nothing wrong with the cards.”
“But this is not the first store to decline the card based on a fault!”
“We have heard of no complaints. Those businesses probably need to update their card databases.”
“Then please tell them to do so, I don’t want to carry cash because a card is a whole lot safer.”
“That is not our business.”
That’s it. No apology, nothing. No expression of hope for successful transactions in the future. Nothing but a sour face.
Well well, Nordea, it seems your lousy customer service is just another facet of the piss-poor service you offer. First, cards that are incompatible with Internet transactions though they should (and appear to) be. Then the elimination of accumulating interest from normal bank accounts. Then the introduction of service fees for doing business at the counter! I was almost expecting them to demand I pay them for my withdrawal, but luckily they didn’t. At that point I would have demanded the manager, closed my accounts and moved to the bank next door. No joke.
Based on a few test listens, the player seems pretty cool, though. Probably more on that later.