Comment by QuantumGood

Had a tiny (<400) overdraft covered just minutes later. Called bank, they said the payment causing the overdraft wouldn't post for 24 hours. Don't remember if that was policy, or something the person would do for us.

Several months later, I learned at that time, that they had instituted a standing stop payment order to the merchant we were paying, but only in the amount of exactly $600. Fast forward, we make a $600 payment, get a notification that it went through, no notification of stop payment, but later a notification from the merchant we were trying to pay (Synchrony - Amazon Store Card) stating they were closing our account due to the stop payment.

Meet in person with a bank rep. They have trouble finding the problem, but once found, argue that we must have requested this specifically, for they would never have done such a thing. I didn't even know a standing stop payment for a specific amount was a thing, asked what is normal policy, what bank terminonlogy would cause such a thing. Would not give any answer other than "you must have asked for it". What would I have said? "You must have asked for it" etc.

Currently fighting with the bank for audio of the phone call where they claim we requested this, and with Synchrony telling them it is the bank's fault. We immediately paid balance on closed Synchrony account, and had made ~12 payments successfully before the inadvertent stop payment.