What action should be taken when a customer returns a rental car without payment?

The most appropriate action in this scenario is to remind the customer of their contractual obligation. When a customer rents a vehicle, they enter into a contract that outlines the terms and responsibilities, including the requirement to make payment upon returning the car. By reminding the customer of this obligation, you acknowledge the terms of the agreement and encourage compliance.

This approach fosters communication and provides an opportunity for the customer to resolve the situation satisfactorily, such as by arranging for payment. It demonstrates professionalism and a commitment to customer service while ensuring that the contractual terms are upheld.

Taking the customer to a bank or financial institution, while potentially helpful in some cases, is not the most direct or efficient response. It may create further complications rather than resolving the issue immediately. The other options do not effectively address the requirement for payment and could lead to misunderstandings or conflict.