I checked my account earlier this week, everythings fine. Went for my birthday, everything went fine, came home, took a nap, read the mail, found my power bill and figured...finally took it long enough!!!
I go onto pay it and it comes up "account not accessible".
NOT FINE. The ONLY way that would happen is if any of my bill paying accounts went under 300 dollars. I have them on automatic lock when they hit 300 so bill money does not turn into luxury funds. Nothing comes out. Luckily for me, the bill isn't due until the 5th of October which gives me time to figure out wth. I check my emergency funds for something just like this and there is NOTHING. There was something last week. Where did it go?!
So I call my parents and tell them. They said my pre-authorized transfer of trust fund bill money is/was scheduled to transfer like normal like it has been for the past 3 years into my account and there should be NO reason for this account lock. They check their accounts and yes the transfer has been processed and gone through. But where is it? We call up the bank that we've been with as a family since before I was brought into this world. They've had no problems up until now, I've only had 3 and this time is a big one.
On a conference line I explain to the nice transfer funds lady what has happened, what I should be seeing in my account, and what I'm not, and why this is a big problem. My parents then say the funds been processed out and why is it not in my account. Well she pulls up both accounts and after being put on hold she says, "uh...hmmm I need to speak with my manager." We're on hold again and then she says it " I see no pre authorized transfers for this month out of your account and into hers." Well where's the funds that transferred out? "I'm not sure, it says it was transferred from yours into hers but there is no transfer scheduled."
So my dad completely fed up at this point says he's done with this bs, the bank has screwed my finances over enough (it has and I've been researching where to change to), he's going to file for his/my lost funds, and they'll be pulling their accounts as soon as possible.
So instead of having the funds I'm supposed to have to cover my ass in case of an emergency, I have absolutely nothing and all of my accounts are locked, including my savings which I have had locked for transfers out since 2007 (I'm big on saving). AHHHHHHH I wanna slap the machine that's supposed to schedule transfers.
I've called the power/water company and explained to them what has happened and they graciously gave me a grace period of an extra 10 days. Very much appreciated. We've also decided to switch to my parents old bank where they have had no problems ever.
Ahhhhh it's times like these I really wish I could just snap my fingers and put everything on pause, take a deep breath, rewind and look carefully at all the events leading up to this.
On the brighter note. I still have funds for me and my animals, just not for bills (which worries me). I've been invited to some bars by the owners who have been judges as some of the small competitions I've done and they have offered me waitress and hostess positions (non smoking too!!!! Yay!). So today after I've distressed a little (take a nap) I'll pick up my employment forms and get the ball rolling. Tips are good and I get a paycheck. So I just have to keep my head up. At the very least I still have a boyfriend who loves me no matter what, and 3 great kids (animals) who love me.
Normally I'm not one to complain but I think this bank mess up warrants some complaining (and a low annoyed growl).
I feel much better, nap time and hopefully this will be resolved soon.