[not_math]

At the bank I worked at, any payments made on the account that were above the due payment were applied directly on the account. But then you had people complain when they missed a payment because they put more money in the account to not miss the payment. You can't please everyone.

Banking is hard because everyone is doing it differently, and everyone is doing it. So you have to please older people that are used to calling or speaking to a bank teller and also please the younger generation who want to do everything online and not deal with humans.

The easiest way is to call when you want to do something the system is not expecting, because we had to manually adjust the final date of the loan, the amount due, and things like that. Terrible system and way more highly susceptible to human errors (trust me, I've seen a lot).

There were also a lot of silos (different departments) to do specific tasks, so you would get transferred a lot until somebody knew exactly who could handle your case. Most people were new recruits from University working part time, so they didn't know enough to answer most questions and when they did they usually had their degree so they switched jobs.