Common Sense or OMR?

12/24/2024 My favorite restaurant has an interesting customer service policy. It’s a modestly large restaurant about 40 yards square with banks of booths and clouds of tables. Some tables and some booths are in the front, facing the public, like European on-the-plaza restaurants, and the remainder of the tables are in the back area, behind the front row of booths and tables. When I visited the place (in 2024), I was disabled and using at least one cane. The hostess walked me all the way to the back of the restaurant to seat me. The front, public facing area was “not open”. It was odd but didn’t bother me much until it happened several more times. I asked the manager why was the front area off-limits, at least to me. “We don’t have enough servers”, was the response. What? I get there early with very few others, the restaurant is open 24 hours, and I’ve never seen it being cleaned, despite it’s obvious and satisfactory cleanliness, so…? With the front area being equidistant to the back in relation to the kitchen, why would a hostess drag a disabled customer all the way from the hostess stand to the secluded back of the place instead of the closer, brighter public-facing front? As a last personal dig at me, by the time I am done eating the hostess has begun seating people in that nice, open, bright, cheerful, public facing area.

This post sounds whiny but is an appropriate and measured response to the restaurant’s illogical seating. They had no idea the customer is always right. For 50 years I’ve dined in restaurants, dated waitresses, and learned the seating rituals of the Modern American Restaurant. Why doesn’t this restaurant begin the shift with all diners in the front area? It would be free advertising, too. Disabled patrons, especially, should not be walked to the very back of the dining area.

Present Day, August 10, 2026. I filed the beginning of this essay away two years ago, dismissing it as an unhinged, Old Man Rant (OMR). But it has crept back into my frontal lobe due to more opportunities to spawn* new OMRs. Like “un-placarded” vehicles parking in Handicapped Spots. No senior discounts at sites of commerce. Bread rising** in price by nearly 100 per cent. Insurance rates rising (again with the rising?) for a senior driver with no accidents in 50 years and 5,000 miles on the road per year. And a real oldie from last year: my 800 credit score meaning nothing to banks, lenders, and landlords.***

Uh-oh. Now I remember why I filed the original essay away: OMRs don’t matter (ODM). Okay, kids, who wants to hear an OMR?

My good friend Bill, who is 84, and I would like the rest of you to know if you ever want all the problems of this world solved, put us in charge. We’ve got plans and have compiled a list****. Just give us The Power and get out of our way.

Oh, and grant us immunity from state and Federal prosecution.

*What a perfect verb…

**The grammar police want me to use a different word,here, but bread rising is too cute to change.

***The reported and recorded facts of my financial history used to generate their own FICO numbers mean nothing in the new Ai credit approval world. One bank person actually told me “Just because you paid your bills on time for 50 years doesn’t mean you’ll do it again.” Ba dum dum.

****It may take us a moment to find it, so…be patient.

American Banking and Ai…a Fun Financial Foray

My new credit union in NY added to my despair over modern, corporate customer service. To be efficient with my banking, moving funds to NY from North Carolina made sense. But the Credit Union (CU) selected in NY is proving to be…inefficient. And that’s being kind. It’s a strange world where a 73-year-old with no criminal record, a lifetime of credit usage, and Credit Scores over 800 has trouble borrowing money. Side Bar: Transunion suggested my score could be nearly “perfect”, if my records contained a “Closed End Installment Account” like a car loan, personal loan, mortgage, something with an end date, since all my credit accounts are “revolving”, or open lines of credit.* So I applied on-line for a small, personal installment loan from the new CU in New York to flesh out the credit resume.  A quick, electronic declination followed. A quick call to a human revealed the lines of credit, unused but open, made me a “credit risk”.  An inquiry about what a credit score of 800 means got this reply: “It proves you’ve paid off loans in the past, but we are unsure about your ability.” *

Savings and checking accounts had been opened with the NY CU and small sums were deposited as trial amounts. After the loan debacle, it was decided moving money to NY would not be efficient. In the meantime, I’d used small amounts** from the checking account. One morning I withdrew the “last” $20 ** and the ATM let it happen.

When I checked my NY CU account later that day, the checking account was overdrawn and been charged a $28 fee. No problem, most CUs and Banks give you a free mistake a year so I’ll talk to customer service at the CU and see if they could help. The NY CU website said customer service was available “Mon-Fri from 7:30AM to 9PM EST”. At 8:45AM I called and sat on the phone tree over 25 minutes. *** “You are caller Number 3, 2, 1.” Finally, a male answered and explained “We open at 9”. (If I’d called at 7, would the phone tree have looped me for two hours, if I was dumb enough to wait?) The live male “looked into” my problem and went to talk with his “manager”. The live male returned and offered a refund of $14. I asked why cash could be withdrawn that was not in the account and here is his response: “We automatically sign you up for overdraft protection when you open your accounts. It automatically gives you what you ask for.” And why an Overdraft Fee of $28? Answer: “Policy.” I asked to have the automatic, free “benefit” removed from my accounts.

Important fact for the reader: I was livid after the overdraft phone call, but now the $14 loss and wasted time feel insignificant. As an old girlfriend used to say, “Why are you making such a big $%^&ing deal about it?”  Thanks for listening and if you’re not okay with simply letting me vent, send a bill for YOUR wasted time and my Ai policies will handle it.

As for modern American Companies’ customer service and “Policies”…a mix of Ai and humans is worse than Ai, or humans, alone. Sadly, the future will be just Ai. Caveat emptor, everyone, all the time.

God help us all.

*I don’t know why, for all.

** Money for gambling at Turning Stone Resort and Casino. Sometimes I lose…

*** While doing other things like clipping nails, etc.