Zhang Hongxiang said, "Manager, recently our bank has encountered another case: one of our ATMs malfunctioned. A customer tried to withdraw ten thousand, but due to the malfunction, the ATM dispensed twenty thousand."
Wang Rui asked, "And then?"
Zhang Hongxiang said, "Then the customer took ten thousand and left the other ten thousand beside the ATM."
"That ten thousand was then taken by a masked person who came in, and now we can’t find the masked person."
"We’ve lost ten thousand, what should we do?"
Zhang Hongxiang was a bit distressed.
Ten thousand is not a small amount.
Wang Rui said, "How did we lose ten thousand? Ask the female customer to return the ten thousand to us."
Zhang Hongxiang: "?"
Wang Rui said, "Didn’t that female customer take that ten thousand from the ATM?"
Zhang Hongxiang: "Yes."
Wang Rui said, "The ten thousand she took was our bank’s money. Her own ten thousand was left next to the ATM. It’s her ten thousand that’s gone missing, not ours. The malfunction was unavoidable, but she should have taken both and returned ten thousand to us. Instead, she took the bank’s money but left her own behind. I find it baffling."
Zhang Hongxiang nodded, finally understanding.
How did the bank lose ten thousand?
Clearly, it was the female customer who lost ten thousand. What’s it got to do with the bank?
Right away, the bank staff contacted the female customer.
After listening to the call, the female customer was dumbfounded.
The female customer said, "I took my own ten thousand! I withdrew ten thousand from the ATM. Your ATM dispensed an extra ten thousand, and I didn’t take it. I left it next to the ATM. You all should’ve taken it. Now it’s gone, so call the police to help you find it."
The bank staff said, "Hello, we understand your feelings, but the ten thousand you took was the bank’s money. Your own money was left at the ATM."
Female customer: "???"
The female customer continued, "I took my own ten thousand that I withdrew."
Bank staff: "That was the bank’s ten thousand. Your ten thousand was stolen from beside the ATM. Please report it to the police promptly."
Female customer: "????"
Bank staff: "Please return the ten thousand quickly, or we’ll hand this over to the legal department to proceed."
Female customer: "?????"
Female customer: "What the hell!"
Bank staff: "Please note, your calls are being recorded, and if you continue with offensive language, it’ll be used as evidence in court."
Female customer: "I already told you, I took my money! That’s the ten thousand I withdrew, that’s my money!!!"
Bank staff: "That’s not your money. That’s the bank’s ten thousand; the money from the bank’s ATM is the bank’s, unless you can prove the ten thousand you’re holding is yours. Now, we’re telling you, our bank has investigated, the ten thousand beside the ATM is yours, the ten thousand in your hand is the bank’s."
Female customer: "How am I supposed to prove it? How to prove? Where to get proof?"
Bank staff said, "See, you can’t prove the ten thousand in your hand is yours, but this ten thousand is the bank’s. You’ve taken the bank’s ten thousand, which counts as unjust enrichment. You’ll be legally responsible and could go to jail. If we report to the police, you’ll certainly end up in jail."
Female customer: "Then prove the ten thousand in my hand is the bank’s! How will you prove it? You should get proof too!"
Bank staff: "We don’t need to prove that. Money coming out of the bank’s ATM is definitely the bank’s, not yours."
...
At the same time, something else was happening in Rui Mao Bank’s lobby.
A man inside Rui Mao Bank said, "Why? I withdrew ten thousand! When you gave it to me, I didn’t think much of it, but when I got outside and counted, there were only 9800! Two were missing! I put the money in my bag and didn’t move it! No one touched my bag either, you gave me less money, 200 short! If you don’t give me the money today, I’ll cause trouble."
The man was very angry. He thought with the bank’s reputation, the money should’ve been right.
But when he counted outside, he found it was 200 short!
He counted five or six times, only 9800 each time!
The money hadn’t been touched, it was on him the whole time, and couldn’t have been lost, nor was there any chance of a thief.
The staff at Rui Mao Bank said, "Sir, please look here, once you leave the counter, we’re not responsible. All money should be counted in front of you. Anything that happens after you leave the counter is not our responsibility. To put it another way, why didn’t you count it at the time?"
Man: "????"
Man: "What do you mean, not responsible after leaving the counter? You’re just being unreasonable!"
The man caused a commotion but got nowhere.
Eventually, the police came and mediated for a long time.
But the bank was very firm, with just one line, no responsibility after leaving the counter.
The man was very angry.
The man said, "Damn it, last month I came in to withdraw, I withdrew ten thousand, and you gave me an extra hundred, total of 10100. After I got home, you called me saying you gave me an extra 100 and demanded I return it, or you’d call the police."
"I was so pissed back then, why? Didn’t you say no responsibility after leaving the counter? Why, when you gave me an extra 100, did you keep calling to get the money back? Do you know how much my travel costs are to come back and forth? I live very far from this bank! Just because of your words, I had to travel dozens of kilometers back and forth to return a hundred? This was the bank’s mistake! You didn’t get the amount right, in the end, making me waste time traveling back and forth, and you still act so high and mighty, who do you think you are."
Bank staff said, "It’s no responsibility after leaving the counter."
The man said, "So you made me travel dozens of kilometers last month to return money to you? Saying no responsibility after leaving the counter, yet when it’s extra, you want it returned? And after returning it, not even a thank you?"
Bank staff said, "But you took extra bank money, so you have to return it, don’t you?"
The man said, "Now I’m telling you, the bank gave me 200 less! Do you understand, now the bank gave me less money!! Just give me the 200, and we can move on from this."
Bank staff said, "No responsibility after leaving the counter."