SHOULD I CONFESS?
Is there any greater thrill than finding out that you will be getting a financial reward from an unexpected source? Yesterday, I received a letter from my bank that began, “We are writing to let you know that you are eligible to receive the discounted monthly fee for seniors on your All-Inclusive Banking Plan Account.” It felt like a lottery win and I was thrilled.
As I read further, I was conjuring up a trip to the Bahamas or perhaps a new car with my newly announced financial gains. Until I read even further. “We recently learned that the 25% discounted price was not applied when you turned 60 and we have gone ahead and applied it to your Account going forward. Please accept our apologies for the inconvenience.”
Expecting a monetary prize that would make a difference in my life, I was somewhat disappointed to learn that the rather humble total of $52.50 was going to be credited to my account. Instead of the Bahamas or a new car, I was going to have to restructure my dream to something more like a lunch for two at Earls.
Following a moment of disappointment, I then became angry. How come it took 18 YEARS for the bank to discover their error and make amends? I would hardly classify that as customer service! But beggars cannot be choosers, and I began to examine the menu at Earls.
After a little more reflection, my anger was replaced by a warm fuzzy feeling. I remembered that my Banking Plan does not include a monthly fee if I maintain a minimum balance over $4000. So my wonderful efficient bank paid me a small refund on a fee that I was not even paying. It only took them 18 years to arrive at this decision.
But the money has been deposited into my bank account and I am smiling from ear to ear. Not only did I receive a small windfall, but it was a windfall that I did not qualify for. Should I tell the bank that they made an error or should I just enjoy my higher income bracket?
Given the efficiency of the banking industry, I am wondering if the error in my favour will be identified soon or will it take another astute auditor another 18 years to discover the mistake? If I receive another letter in 2036 and find I have to pay back the money plus interest I will be truly miffed. And by then, it will probably amount to around $50,000, including interest! I think I will take my chances!
Komrade Ken,
ReplyDeleteLook into your heart. You know what the right thing to do is.
"Is there any greater thrill than finding out that you will be getting a financial reward from an unexpected source?" Yes, there is. For example, that granddad to grandson chat about being honest and doing the right thing; no matter what. The value of a guiltless night's sleep. And freshly made chocolate cake, with sticky-thick gooey chocolate icing and a big fat layer of raspberries in the middle.
You know I'm right.
Perhaps you're being tested. If you give it back, you may be granted 12 more grandkids. And if you don't you may be struck down by a fungal infection in a dark place.