I provide part-time bookkeeping and administrative services to a small company here in San Diego. Let’s call them ABC Corp.
One day in early February, I got an email from Joe, ABC Corp’s CEO. It’s a forward from some fellow named Bakhram in Uzbekistan who wants to be paid (I’m picturing some combination goatherder/iPhone developer, but I’m sure that’s not right). He was hoping we could use his friend’s bank in Bulgaria, but his friend is not available now, so can we pay him directly? Scenes from the various Bourne Identity movies flash through my head as I type a response to Joe, asking him to have Bakhram send us a proper invoice, including desired payment method.
Two weeks later, I get an email with an attached invoice from Bakhram. He would like to be paid through MoneyGram. I misunderstood and thought he meant any ol’ money gram, so started setting up an online account with Western Union. No, no; he really wants MoneyGram. So I start setting that up. With MoneyGram, you can either send via the “economy” method (approximately $20 fee) or the “right now” method (approximately $48 fee). I decide to use the economy method, which means they need to do a bank verification. I wait a couple of days while they make their two deposits into ABC Corp’s bank account of 19 cents and 9 cents, and then I log back in.
Now MoneyGram wants me to answer some security questions. I’m in a hurry, so don’t read the fine print where they tell me some questions will be deliberately misspelled. They ask me questions about “Laura Hood” (a misspelling of my mom’s name) and “Michelle Gallagher” (I assume a misspelling of my name) and a question about my ex-husband. The only question I get right (because I didn’t read the aforementioned fine print) is the one about my ex-husband. I am immediately thrown out of the web site and told to call customer service. After a nearly 10 minute wait, an agent comes on and asks me some other questions, like about the condo I owned with the ex-husband in the mid-80s, and whether I know someone named “Jon Gallagher.” (“You mean my husband?” I ask. “So you’re saying you know him?” the guy responds.)
Anyway, that gets cleared up, and now I can log back in and start the economy method. I fill out the form (after confirming with Bakhram about his names: which is his first, which is his last, and which is his second last—his last and second last names are both about 14 characters long), but then I realize the only country it will let me choose is United States. Turns out there’s more fine print; this time it’s telling me that California residents can send money via the economy method only to US residents. So I decide to try the “right now” method. Every time I fill out the form and click Submit, it kicks me off the web site. I think about being put on hold with customer service again, and decide to try to find a physical location nearby where I can send the money.
Good news: the CVS that’s not too far from here has a MoneyGram station. I had a dentist’s appointment in that general neighborhood, so when that was finished, I stopped by. I looked around for the MoneyGram station. Turns out it’s a red phone, not unlike Batman’s hotline to Commissioner Gordon. I pick up the receiver and it automatically dials MoneyGram. After spelling Bakhram’s various names several times for the guy, we get it all figured out. Now I need to go to the CVS cashier and pay her.
I stand in line, while she tries to count the change of the guy in front of me. (“That’s not right, sir.” “Yes it is—that’s a quarter.” “Oh, that’s a quarter? I thought it was a nickel!”) Now it’s my turn. She punches in the amount I want to send ($564) as $5.64. I tell her that’s not right. She tries again, and this time she’s successful. I hand her the corporate debit card. She tries to run it through, but you can’t pay for a MoneyGram (at least not at CVS) with anything other than cash. I have only 15 minutes to finish the transaction before it times out, so I hoof it over to the neighboring Vons grocery store where there’s a Wells Fargo branch (more of a pod, really), and I’m able to withdraw $577 (includes the transfer fee). Back to CVS. The cashier runs me through again, and hands me the receipt to sign.
“This says Pakistan,” I tell her.
“Yeah, that’s right,” she says.
“It needs to go to Uzbekistan.”
“Isn’t that the same place?”
“No, it’s a separate country.”
“Maybe it’s inside of Pakistan?”
“No, it’s a separate country.”
She runs to get the assistant manager. He says I’m going to have to call the MoneyGram people back and get the money re-routed. I call them back. They say they can’t do that; they have to issue a refund. So they issue a refund and set up a new transfer to Bakhram at the same time. (For future reference, it’s cheaper to send money to Pakistan than to Uzbekistan.) I take my refund code back to the assistant manager and he starts to process it. Only problem is, CVS will issue refunds only in money orders, but will not accept money orders as payment for MoneyGrams. We get back on the phone with the MoneyGram people. I can either take the money order and cash it at a bank (for a fee), or I can go to another MoneyGram agent and get my refund in cash. I can do that at an Albertsons grocery store.
I drive across the 15 to the nearest Albertsons. There’s a man using the MoneyGram phone, so I go to the Starbucks that’s inside the grocery store and get a coffee, heavy on the whipped cream. I finally get my turn on the red phone, where I have to re-activate the refund and set up yet another transfer to Bakhram. I spell his various names once again, and then I tell the guy it’s going to Uzbekistan.
“Pakistan?”
“No, Uzbekistan.”
“Isn’t that the same place?”
“No, it’s a separate country.”
“Are you sure?”
“Yes. It’s spelled U-z-b-e-k-i-s-t-a-n.”
“Wow, I’m sure glad you told me! Otherwise it would have gone to Pakistan!”
“Yes, I know.”
I had to finish the transaction with the Albertsons customer service people, and they were very helpful. There was a slight moment of panic when they realized their maximum refund allowed is $500, and needed a manager’s approval. She cast a somewhat jaded eye over the paperwork and over me, but was mollified by my assurances that I was going to turn around and give the money right back to them to pay for the outgoing transfer. When they printed the receipt, I made sure it said—and yes indeed, it did—Uzbekistan.
All I can say is: “I sure picked a bad day to stop sniffing glue.”