I may be a little naïve, but in my perspective, my credit union seem to have been hiding charges from me for MONTHS, all when trying to pay of a credit card, which also hasn't happened. I want to go to my bank and ask for the amount from these charges back. How to do that, successfully?
Long story short. I have a credit card that needs paying off. "No problem", I thought, I'll hook the credit card to my checking account.
I filled out all the information needed: routing number, account number - great. The Credit Card pulls in the name of my bank and knows it's a checking account. That TO ME says that everything is set up correctly.
I post a payment in the credit card's website to take a buncha money from my checking account. In the Credit card's site, it says the payment is, "posted". Days go by, no money has moved! Go back to the card's site: same thing - it's been posted - the bill has also been lowered the same amount as what I pay. OK.
I keep getting angry calls from the credit card company, asking me to pay their f'n bill. I say I have. They say, "no, you haven't", so I pay, instead with a debit card, using the came checking account. Payment is automatic. OK, lesson learned - use the debit card.
BUT, I've now found out that charges (Account Fee NSF FEE ) have been put in my Saving Account, every time the Credit Card can't pull funds from the Checking account. Hundreds of Dollars worth, just in the last 6 months! I check the checking account daily online, I never check the savings account (don't have any money in it!) So I never saw these charges, until they were brought to my attention, while starting to use Mint.com - which likes to alert you of such things.
Suddenly, it all makes sense why my credit card is angry with me not paying the bill: I've been doing my best... paying the bill, but the funds never transfer. I get a charge from my credit union for whatever that's about (there's enough funds in the checking account), PLUS late fees from the credit card PLUS interest. UGH! I have no other bills that have problems pulling from my checking account.
I'm ready to bicycle to the credit union and say: I don't know why the credit card company and you can't talk: not my problem. But these charges, every time you can't talk to each other are adding up to hundreds of dollars and that needs to be figured out. If they can't be figured out, I'm ready to close my accounts with them.
I'm hoping my credit union will be sympathetic to me - they reversed a whole bunch of charges of ATM overdrafting: my account is set up to pull from the credit union's Credit Card, when I overdraft from the checking account. that used to be free, but was changed to a 3 dollar charge sometime this year. Again, it was a, "Where's all my money going?" question. They reversed all those charges.
Anyways, is there any wisdom I can have, when I go to the bank, to tell them that: I had all intention to pay the Credit Card Bill - and was, and it wasn't working and I didn't know why, but in no way shape or form, did I know I was being charged each time it didn't work. And I don't know why it's not working, because, as far as I knew, I was plugging in all the numbers correctly. Lenders rights. Anything? Funds are getting a little critical for me. Those few hundred dollars could mean the difference between, well, it means a lot. Yes, I know it should be my responsibility to know the bank's policy's on charges, etc. But I shouldn't be an expert at the mechanics of wire transfers.