[id10t]

So I take my meager paycheck, send $400 per (get paid twice a month) to one credit union to pay a couple of loans (cars) and have gas, lunch, and "pick up $whatever at the grocery store on the way home honey" money. Rest of take home pay goes to a different credit union where the wife pays all the bills, etc.

So on 4/15, the one that made a mistake pulled $329 instead of the $82 they were supposed to, and applied it to a car payment that isn't due until 5/15, not leaving sufficient funds for the $82 payment they were supposed to apply to the other loan. Go in, straighten it out yesterday, make a double payment today to cover the one missed on 4/15, don't worry about the other payment until *june* since the may payment is applied, life is good. The past 2 weeks have been light on lunch, but oh well...

Today, I log in, see the correct $82 payment was made for today, I paid the one from 2 weeks ago, and I thought things were all taken care of. Stopped on way home at grocery to pick up a prescription and some milk, swiped my ATM card, and DENIED. Log in to website on phone... the credit union once again deduced (or tried to) a big car payment. Not enough in there for the whole thing, so they left me with a 0 balance.

So tomorrow, instead of enjoying my lunch with a retiring VP, I get to go back to the bank and straigten them all out. Again.

Think I'll revoke autopayment, make 'em refund one of the extra car payments (so I can eat and buy gas to go to work for the next 2 weeks) and consider moving all my stuff to the other credit union.

Am I being unreasonable? It is all automated and computerized, so it is a PICNIC issue (problem in chair, not in computer).