Ok, I am going to make this as easy to understand as possible, but it is complicated… I even got confused.
We have three banks, USAA- our primary bank, ENT- our local bank, and US Bank- where we have some savings. On Jan 4th I wrote a check from US Bank, to ENT for cash to buy the puppy and for my mortgage payment. However they told me they would have to hold half of the money until 1/9 and this was a bit concerning to me as my mortgage payment is due on 1/1 and would be late if received after 1/15. I use on-line bill pay, so this is not usually an issue.
Since the beginning of the month I have been struggling with ENT trying to find a way they can transfer funds from ENT to USAA without a $15 wire transfer fee. So I called USAA and they said they can do a cash advance off my ENT debit card to USAA and all would be fine. Well I set up the transfer and after three failed attempts I call ENT to see why my card is being decline. Apparently it can ONLY be used where it can be physically swiped… since USAA is in Texas and I am in Colorado that is not an option. So USAA then suggests we do a direct debit with my ENT routing & account number. So I do that, it goes through, and then two days later the money is pulled back out of my account. USAA does not know why, ENT does not show record of this transaction so I ask them to verify the info I have for my account; the routing number is right, but my 8 digit account number that is on all my statements, all my transactions, and on-line is wrong. Apparently the REAL account number has 4 digits before my account number and 1 digit after it… who knew!
Yesterday I go to balance my USAA account and notice I am short on money needed to pay the rest of my bills. This does not make sense to me as my budget I made at the first of the month said we would have money left over for things like gas, groceries, and entertainment. I was racking my brain thinking maybe I went overboard at Petsmart or something… and this is when I noticed a payment made out to my mortgage company dated on 1/5. Crap! Now I remember, I went ahead and paid the mortgage with the money set aside to pay all the other bills, just to be safe. So now I have paid the mortgage twice and had only enough to cover half the bills without transferring more funds. With all problems with the banks I got confused in the shuffle.
So I call ENT and ask them if they can stop the bill pay, and they say no, the check is in the mail (damn it, the one time THAT is the truth, and it’s the one time I don’t want it to be) and they tell me to call the mortgage company and ask them to tear up the check. So I call them and they say that they cannot do that and call ENT back and request a stop-payment. So I call back and pay my $25 and cancel the check, and then tell Bobby what I did. We both agreed I was a dumb-ass and he has been razzing me for it for two days now. He even threatened (in jest) to take over all the finances, but I told him no way, we would have a new PS3 and games, but the power bill would go unpaid and be shut off.
Anyways, this morning I paid all the bills, and all is fine, but boy do I feel stupid! So there is my confession, what stupid things have you done?
No Comments | In: Uncategorized | tags: Confessions, Lame-o. | #