Secondly, I check my Mississippi banking account only to discover the my Jeep payment has been auto-drafted out of the account YESTERDAY after I had (so I thought) stopped the auto-draft with that account and already made a payment with my other checking account!!! OMG OMG OMG. So, now I discover that the MS account is in the negative a few hundred since I am not really maintaining money in that account anymore but have it open for tying up a few loose ends in MS. OMG OMG OMG. Pissed. Annoyed. Mad. Frustrated. Upset. Crying. Helpless. UGH. So ensues the hours of dreaded phone crap...automated systems, customer services reps who are of no help, repetition, repetition, repetition etc. etc. Finally, I am speaking to a manager at Chrysler Financial and expressing my general dislike of their website, which is NOT at all user-friendly and explaining that this is my THIRD accounting issue with their company due to their NOT at all user-friendly website and that I want to start receiving my paper statements and I will go back to the age-old ways of the CHECKBOOK AND STAMP. (I did at least apologize that she would get the brunt of my frustrations.) Basically, they can not do anything to remedy the problem and I would have to contact my make and try to stop payment or have a letter sent from my bank explaining the payment went through and my account circumstances ( in short NSF). And then they would issued me A CHECK and this could take up to 6 weeks. UGH UGH UGH.
Next, I call my Mississippi bank and speak to a woman I thought had handled banking matters before with me though she was not that friendly and indicated that she couldn't stop payment and that I would have to get the money into that account as it will remain in the negative until the money is reimbursed from Chrysler. UGH. UGH. UGH.
Back on the phone with Chrysler (another representative, repetition, repetition, repetition). Transferred money (hello, I am unemployed and do not have an extra hundred dollars, much less a few hundred, to spare why Chrysler "processes" their mistake. Whatever.
Back on the phone with Mississippi bank... a familiar voice, a friend from high school. Thank God for small towns and friends willing to help. Second time around, MS bank is able to issue a stop payment on the draft (with the fee waived)... crisis appears to have been averted at last. I am certain this would not have been handled in this way here in Denver and that is okay. I know I chose to leave Mississippi and I am very happy with that choice but I am also happy to know that it is friends, family and "small" towns/States that make up the woman I am out here in the West. I am so grateful of where I am from and the kindness that it exudes in the most subtle ways and unexpected of circumstances. Thanks so much, F.B.C, for helping me out this morning!
