2 January 2015 -- The checks were written for all my bills and I was headed to the PO to put them in the mail. Had checked my credit union account early that morning, but my S.S. check (a direct deposit, which usually arrives promptly and regularly on the 2nd or 3rd of each month) had not posted yet. My logical side told me that because of New Year's Day falling on Thursday, the check would be deposited by Monday. On the other hand, I had made it a rule many years ago never to write a check unless there was definite evidence that enough money was in the bank, no matter what. When I got to the PO, I received such a strong prompting (It seemed like an actual voice was speaking to me.) NOT TO MAIL those checks. I'm glad I listened.
Come Monday morning, 5th January, my S.S. check had still not been deposited. Spent over 3 hours on the phone waiting to talk to an agent and another hour sorting out the problem. It seems the credit union had not updated my routing and account numbers for over 14 years. The numbers on record at SS had been originally posted in 2001. Oh my! Took quite a while to get everything corrected and updated. The agent helping me was very knowledgeable and efficient.
6 January 2015 -- Called the credit union. Seems they had been intercepting the direct deposits and manually changing the account numbers. What a terrible way to run a business! I wonder how many other people are affected by their bad judgment. For some reason, January's payment had slipped through the cracks.
Because I had already made all the corrections with SS, the direct deposit finally posted to my account on the 7th. When I think of the overdraft and late payment charges this oversight would have cost me, it boggles my mind. Guess I could be really angry at the credit union for such ineptitude, but have decided to mark it up to experience and be grateful for PROMPTINGS and the opportunity of learning to listen.
