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Feature Article:
Maintaining Superior Service
A Complaint Is a Gift Corner
 
 
 
 

A Banking Customer Strikes Back

With a wonderful British sense of humour (spelling courtesy of the UK), the following letter was reportedly sent to a bank from a clever, but upset customer.

My dear Bank Manager:  I am writing to thank you for bouncing the cheque with which I endeavoured to pay my plumber last month. By my calculations some three nanoseconds must have elapsed between his presenting the cheque, and the arrival in my account of the funds needed to honour it.

I refer, of course, to the automatic monthly deposit of my entire salary, an arrangement which, I admit, has only been in place for eight years. You are to be commended for seizing that brief window of opportunity, and also for debiting my account by way of penalty for the inconvenience I caused your bank.

My thankfulness springs from the manner in which this incident has caused me to rethink my errant financial ways. You have set me on the path of fiscal righteousness.

No more will our relationship be blighted by these unpleasant incidents, for I am restructuring my affairs in 2000, taking as my model the procedures, attitudes and conduct of your very own bank.

I can think of no greater compliment, and I know you will be excited and proud to hear it. To this end, please be advised about the following changes.

First, I have noticed that whereas I personally attend to your telephone calls and letters, when I try to contact you I am confronted by the impersonal, ever-changing, prerecorded, 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 personal cheque, addressed personally and confidentially to an employee of your branch, whom you must nominate.

You will be aware that it is an offence under the Postal Act for any other person to open such an envelope. Please find attached an Application for Contact Status 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/her medical history must be countersigned by a Justice of the Peace, and that the mandatory details of his/her financial situation (income, debts, assets and liabilities) must be accompanied by documented proof.

In due course, I will issue your employee with a PIN number which he/she must quote in all dealings with me. I regret that it cannot be shorter than 28 digits but, again, I have modelled it on the number of button presses required to access my account balance on your phonebank service. As they say, imitation is the sincerest form of flattery.

Let me level the playing field even further by introducing you to my new telephone system, which you will notice, is very much like yours.

My Authorised Contact at your bank, the only person with whom I will have any dealings, call me at any time and be answered by an automated voice.

By pressing the buttons on the phone, he/she will be guided through an extensive set of menus:
 1) to make an appointment to see me,
 2) to query a missing repayment,
 3) to make a general complaint or inquiry, and so on.

The contact will then be put on hold, pending the attention of my automated answering service. While this on occasion involve a lengthy wait, uplifting music will play for the duration. This month I have chosen to refrain from The Best of Woody Guthrie:

On the banks are made of marble 
With a guard at every door
And the vaults are filled with Silver 
That the miners sweater for!

On a more serious note, we come to the matter of cost. As your bank has often pointed out, the ongoing drive for greater efficiency comes at a cost—a cost which you have always been quick to pass on to me. Let me repay your kindness by passing some costs back.

First, there is the matter of advertising material you send me. This I will read for a fee of 20 pounds per A4 page. Inquiries from your nominated contact will be billed at 5 pounds per minute of my time spent in response. Any debits to my account, as, for example, in the matter of the penalty for the dishonoured cheque, will be passed back to you.

My new phone number service runs at .75 pounds per minute (even Wood Guthrie doesn't come free), so keep your inquiries brief and to the point.

Regrettably, but again following your example, I must also levey an establishment fee to cover the setting up of this new arrangement.

I wish you a happy, if ever-so-slightly less prosperous, New Year.

Your humble client.
 

  
Janelle Barlow, coauthor
A Complaint Is a Gift 
 
 

Previous "Complaint Is A Gift Corner" pages: 
 
  #1 Overselling Service
  #2 Not Listening to Complaints
  #3 Plastic Chicken
  #4 Complaints You Can Do Nothing About
  #5 A+ Complaint Handling
  #6 Beware! Others are Watching You
  #7 At Least Keep Talking!
  #8 Let Customers Know You'll Tell Someone
  #9 If You're Going to Apologize, Then Mean It
  #10 Keep Front-life Staff Well Informed
  #11 Don't Set Goals to Reduce Complaints
  #12 Products Used During Special Events
  #13 Best Practices of Complaint-friendly Organizations
  #14 Complaints About Mother Nature!
  #15 Socially Offensive Situations
  #16 A Complaint Is a Gift in Action
  #17 Information Systems  Users' Complaints, I
  #18 Information Systems  Users' Complaints, II
  #19 Creating an Internal Service Culture
  #20 When Your Customers are Industrial Buyers
  #21 Customers Who are Poor Complainers
  #22 Complaints That are Difficult to Talk About
  #23 Do You Mistreat Your Customers?
  #24 Fairness: Treatment of Staff
  #25 Expectations and Complaints
  #26 Successful Toll-free Experiences
  #27 Small Companies and Service
We invite you to submit your "best" examples by fax or e-mail. We won't print any company names with the "poor" examples, because we believe that every organization fails from time to time. We will give credit to companies delighting their customers. In the case of the "poor" examples, we'll comment on how we think this situation could have been handled better. If you want us to list your name, please tell us that is what you want to do.

A Complaint Is a Gift, The Training Program 

A Complaint Is a Gift, The Book

Note: We have been getting e-mail from our readers asking us to list the names of the companies who get complaints. Our policy is to never list names. The reason for this is because every company fails from time to time, and we wouldn't want to tar some company's name just because of one bad example. Furthermore, we are dependant upon the writer's side of the story. We don't know for sure what happened, and in the name of fairness, we will not post names. Furthermore, the purpose of this corner is not to pass complaints along to corporations. This Complaint Is a Gift corner is designed to look at examples of good and bad complaint handling so we can learn from these experiences. Please, if you have a direct complaint you want a company to learn about, contact them directly. In many cases, we have never heard of the company in question and have no idea how to reach them. Janelle Barlow


 


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