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Bank drama
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IncognitoHFX



Joined: 06 May 2007
Location: Yeongtong, Suwon

PostPosted: Mon Feb 04, 2008 6:06 am    Post subject: Bank drama Reply with quote

I don't know what exactly is going on. I'm not doing anything illegal in Korea (privates, et cetera).

What happened was I sent around W1,500,000 back to Canada two months ago. It never arrived. I went to my Korean bank (Shinhan) and they said that it went through on their end and it was a problem with the RBC in Canada. I called the RBC and they said it was Shinhan's fault.

I went in and spoke to a clerk who didn't speak much English. She basically said, "we're sorry, your money is lost. Bye-bye! Next customer!" I was understandably pissed.

I went in again today. An English speaking clerk fixed my situation right up and gave me a free apology calendar. However, when looking over my bank deposit list he saw some deposits that didn't make sense to him. Basically, I sold some stuff to a Korean friend (furniture, computer junk) and he paid me through my bank account.

The clerk saw the deposit and must've assumed I was teaching privates or something. He wants a full written statement from my boss concerning all the places I work come Monday. I've never done any privates, or worked anywhere else, but I'm still a little bit worried.

This happen to anyone else? Should I be worried (will they just deport me without letting me speak for myself and explain)?
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Atavistic



Joined: 22 May 2006
Location: How totally stupid that Korean doesn't show in this area.

PostPosted: Mon Feb 04, 2008 6:07 am    Post subject: Reply with quote

WTF? Are banks suddenly the right hand of immigration or something?
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happeningthang



Joined: 26 Apr 2003

PostPosted: Mon Feb 04, 2008 6:24 am    Post subject: Reply with quote

Surely they'd be better of asking the owner of the account who deposited money what it was for, although if I was the Korean guy, I'd be outraged if my bank was asking/ accusing me about things like that.

I'm shocked that a bank is taking the time to be rifling through customer's accounts to determine their legality. That's straight up outrageous. What did they guy say when you gave your explanation?

Personally, I'd have clarified it's none of his f**king business.
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jacob7207



Joined: 12 Feb 2007
Location: Seoul

PostPosted: Mon Feb 04, 2008 6:32 am    Post subject: Reply with quote

My bank insists on stamping my passport every time I send money back to the States. There have been a few times were the money was delayed in going through. You should go back to the bank with the written statement from your boss, or better yet, ask your boss if he/she would be so kind as to go there with you and have them speak for you.

Your boss will not be friendly to them at all and after he/she has dealt with it, they will never give you any shit like that again.

Trust me.

Whenever someone in the past 13 months has tried pulling a "you're a foreigner so now I'm going to mess with you" song and dance, my boss had no problem stepping in and setting them straight. You're boss or someone else at your work would be willing to do that for you.
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articulate_ink



Joined: 23 Mar 2004
Location: Left Korea in 2008. Hong Kong now.

PostPosted: Mon Feb 04, 2008 8:04 am    Post subject: Re: Bank drama Reply with quote

IncognitoHFX wrote:
I don't know what exactly is going on. I'm not doing anything illegal in Korea (privates, et cetera).

What happened was I sent around W1,500,000 back to Canada two months ago. It never arrived. I went to my Korean bank (Shinhan) and they said that it went through on their end and it was a problem with the RBC in Canada. I called the RBC and they said it was Shinhan's fault.

I went in and spoke to a clerk who didn't speak much English. She basically said, "we're sorry, your money is lost. Bye-bye! Next customer!" I was understandably pissed.

I went in again today. An English speaking clerk fixed my situation right up and gave me a free apology calendar. However, when looking over my bank deposit list he saw some deposits that didn't make sense to him. Basically, I sold some stuff to a Korean friend (furniture, computer junk) and he paid me through my bank account.

The clerk saw the deposit and must've assumed I was teaching privates or something. He wants a full written statement from my boss concerning all the places I work come Monday. I've never done any privates, or worked anywhere else, but I'm still a little bit worried.

This happen to anyone else? Should I be worried (will they just deport me without letting me speak for myself and explain)?


I'd say this is beyond belief but after the last year or so, unfortunately it sounds like another day in the life of an expat in Kimchistan. I agree, ask your boss to go with you and rip someone a new one. Or, alternatively, go open an account somewhere else. Shinhan cards don't work outside of Korea, it goes without saying. They weren't even issuing check cards when I was actively banking with them. Other than providing a place to dump your money, what good are they? Other banks will give you access to better and more useful cards and such. As for the demand that you explain your income, I wouldn't deign to provide that information if either of my banks asked for it. Go in Monday, tell them it's none of their business, and instead of playing into the whole foreigner-cringe role they seem to want, withdraw the last of your money (make sure you've already transferred the great majority out, leaving just a symbolic 5000 won or so), and tell them to kiss your foreign a$$.
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Roch



Joined: 24 Apr 2003
Location: Seoul

PostPosted: Mon Feb 04, 2008 8:31 am    Post subject: Re: Bank drama Reply with quote

IncognitoHFX wrote:
I don't know what exactly is going on. I'm not doing anything illegal in Korea (privates, et cetera).

What happened was I sent around W1,500,000 back to Canada two months ago. It never arrived. I went to my Korean bank (Shinhan) and they said that it went through on their end and it was a problem with the RBC in Canada. I called the RBC and they said it was Shinhan's fault.

I went in and spoke to a clerk who didn't speak much English. She basically said, "we're sorry, your money is lost. Bye-bye! Next customer!" I was understandably pissed.

I went in again today. An English speaking clerk fixed my situation right up and gave me a free apology calendar. However, when looking over my bank deposit list he saw some deposits that didn't make sense to him. Basically, I sold some stuff to a Korean friend (furniture, computer junk) and he paid me through my bank account.

The clerk saw the deposit and must've assumed I was teaching privates or something. He wants a full written statement from my boss concerning all the places I work come Monday. I've never done any privates, or worked anywhere else, but I'm still a little bit worried.

This happen to anyone else? Should I be worried (will they just deport me without letting me speak for myself and explain)?


Your life here seems a lot less "sparkling" and trouble-free than it was a couple of weeks after you first arrived in Korea, eh? Remember back then and a few times after that post - when you shat upon us as a bunch of whiners?

Good luck, and note that you live in a place that makes Sicily look honest.


Last edited by Roch on Mon Feb 04, 2008 11:11 pm; edited 1 time in total
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Suwoner10



Joined: 10 Dec 2007

PostPosted: Mon Feb 04, 2008 8:39 am    Post subject: Reply with quote

I took out 3 million won for vacation, in cash, as I heard the ATMs here aren't International. I then later hear that Korean currency isn't even good for wiping your b*tt with in Japan, so I re-deposited the money a day later, then asked for US traveler's checks. They refused, and accused me of somehow trying to launder money. Shocked That was KB. I withdrew my cash on the spot and went to Standard Charter.
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WoBW



Joined: 07 Dec 2007
Location: HBC

PostPosted: Mon Feb 04, 2008 9:14 am    Post subject: Reply with quote

OP: That is f@cked up!!

Why should you explain to them where a presumably small amount of cash came from?

I could understand if it was a substantial amount but from what you said about selling stuff to your Korean friend, I'm guessing it shouldn't be enough to raise any eyebrows.

I agree with whoever it was that said to withdraw your cash and tell them to kiss your foreign a$$.

I've never had experiences like this with Korean banks so far, but I'm planning to pay a visit to Standard Chartered pretty soon.
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IncognitoHFX



Joined: 06 May 2007
Location: Yeongtong, Suwon

PostPosted: Mon Feb 04, 2008 9:21 am    Post subject: Re: Bank drama Reply with quote

Roch wrote:

Your life here seems a lot less "sparkling" and trouble-free than it was after a couple of weeks after you first arrived in Korea, eh? Remember back then and a few times after that post - when you shat upon Us as a bunch of whiners?

Good luck, and note that you live in a place that makes Sicily look honest.


Actually, I'd be putting up with a lot more nonsense back home. All more of it legitimate and expected, but nonsense none-the-less.

This doesn't phase me as much as someone describing what they'd do to my body after they strung me upside down from the ceiling over the phone, with my supervisor standing behind me reminding me that I'd be fired if I disconnected the call Shocked
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CentralCali



Joined: 17 May 2007

PostPosted: Mon Feb 04, 2008 1:46 pm    Post subject: Reply with quote

My suggestion to all and sundry is that the next time a bank flunky...er, clerk asks any of these stupid questions, respond with: "Oh, never mind about the money transfer. I'm closing my account right now and withdrawing all my money. Bring the manager around so I can explain to that moron also."

Supposedly there are one million foreigners legally resident in this country. One or two of us doing this won't make a dent but 2% of the population?


Last edited by CentralCali on Mon Feb 04, 2008 3:37 pm; edited 1 time in total
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Trevor



Joined: 16 Nov 2005

PostPosted: Mon Feb 04, 2008 2:11 pm    Post subject: Reply with quote

I am told that what foreigners in Korea from less-developed countries often do is purchase travellers checks and mail them back to someone in their home country. Perhaps this is a better method than putting up with mistreatment from the bank for depositing money.
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ceesgetdegrees



Joined: 12 Jul 2007

PostPosted: Mon Feb 04, 2008 2:20 pm    Post subject: Reply with quote

Stand up for yourself! Tell the bank that it's none of their goddamn business and that if they persist with this line of questioning you will close the account immediately. Don't take any guff!
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stillnotking



Joined: 18 Dec 2007
Location: Oregon, USA

PostPosted: Mon Feb 04, 2008 2:24 pm    Post subject: Re: Bank drama Reply with quote

IncognitoHFX wrote:
This doesn't phase me as much as someone describing what they'd do to my body after they strung me upside down from the ceiling over the phone, with my supervisor standing behind me reminding me that I'd be fired if I disconnected the call Shocked


Sweet... you've had this happen too? I worked for a giant telecom company for a few years doing fraud investigations (the name of the company shall be omitted but it rhymes with "Haitian Tea") and some of the calls I got were beyond belief. We were not allowed to hang up on them under any circumstances, including death threats ("just push the call trace button and notify your supervisor"). Interestingly, as far as I can tell, this is a rule that applies all the way up the chain at that company, so if you ever feel like calling up a random stranger just to abuse them...

(Not that I would recommend doing this, of course. But personally, I always found the profanity-and-threat-spewing callers to be among the highlights of my day.)
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spliff



Joined: 19 Jan 2004
Location: Khon Kaen, Thailand

PostPosted: Mon Feb 04, 2008 2:57 pm    Post subject: Reply with quote

A BANK CLERK HAS NO AUTHORITY TO ASK FROM YOU WHAT THEY ASKED.
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nomad-ish



Joined: 08 Oct 2007
Location: On the bottom of the food chain

PostPosted: Mon Feb 04, 2008 3:36 pm    Post subject: Reply with quote

i suggest closing your account too. the very fact that one clerk said we lost your money, that's that, is outrageous. they would NEVER IN A MILLION YEARS have said that to a korean customer. withdraw your money, close your account, and then have a word with the manager about the dumba$$ who wouldn't help and the other acting like immi.

in recent months, many people have been reporting issues with their banks. i believe the policy about stamping your passport when you transfer a certain amount of money has been around for awhile, but the clerks didn't seem to enforce it that much before. it probably has to do with all the bad press about FTs and illegal work/workers lately
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