Patrick Henry National Bank Complaint - An Event of Practical Consumer Racism

Review by yellowhibiscus737 on 2007-06-16
MARTINSVILLE, VIRGINIA -- I went to Patrick Henry National Bank to cash two checks from companies that I had in the past cashed checks from at PHNB and the bank gave me a stringent screening. The bank teller asked me where did the checks originate from, she looked up my account, made a hardcopy of my bank account, asked for my ID, and said she would have to ask a loan officer as to whether or not to cash them. After she took the checks to the loan officer or manager with a copy of my bank statement, she came back and cashed my checks. And I have been a customer/patron with this bank for well over 5 years.
Comments:7 Replies - Latest reply on 2007-06-17
Posted by furnitureman on 2007-06-16:
Where does the racism come into play? Are you black or over reacting?
Posted by Anonymous on 2007-06-16:
Yellow, perhaps it wasn't you/your account they were concerned with. It might have been the companies the checks were drawn on.
Posted by Starlord on 2007-06-16:
I think it depends on the size of the checks. For small checks, there is usually no problem, but as the checks get larger, the banks can, do and should take more precautions, due to the scams running rampant and involving counterfeit checks and money orders today. There are some question that are pertinent here. How large were the checks? Are the checks from out of state, or from overseas? Did the teller who handled the checks know you by sight? Have they served you in the past? Was anything said that would lead one to believe they were troubled by your race? You have not provided one iota of evidence of any racism, so I have to assume that it is just another case of someone running into something that he/she disagrees with, or disagrees with him/her, and BINGO, it's due to racism. Build a bridge and get over yourself, no one gives a hoot what color or religion or whatever you are. Just be glad that the bank is doing what they can to protect your account and your funds.
Posted by Anonymous on 2007-06-16:
I agree with starlord, great response.
Posted by D. on 2007-06-16:
Furniture man asked the first question that came to my mind, Why does the claim of racism come in? THEN...my comment I was going to make was also addressed already by EmtC...It may not have been you, but the company the check was being drawn on...it may be a company they were having problems with and were instructed to check with the loan officer or manager before cashing it...no big deal, just them protecting against fraud...and that is a good thing. I'm sure they will accept your apology for thinking the worst after they catered to you for five years.
Posted by Anonymous on 2007-06-16:
With all of the fake lottery scam checks form Canada flying around right now the banks are being very cautious, overly cautious in fact. But where is the racism? Sounds like the bank was watching out for you and the bank. Years ago I would have gotten mad about something like this, now I thank people for doing their jobs better. I would rather know a check was bad before I deposit it than after.
Posted by Starlord on 2007-06-17:
Tonight, on CNN, I saw an Emmy Award-winning program called "How to Rob a Bank." The topic was identity theft, bank and mail fraud, etc. The things that I addressed were brought up as a response by banks to protect customer's funds. There is no way of saying this without sounding racist, but are you aware that in the federal district for Houston, TX, 2% of the population is Nigerian immigrants, but that Nigerians are responsible for 25% of the fraudulent money schemes that show up in court. I just find those statistics interesting.

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