Category Archives: Financial Peace University

It was just a Monday.


Yesterday was just a Monday.  A crappy, typical hectic Monday, and yesterday was especially so.

It started Sunday afternoon when one of our credit card companies called us to say we missed a payment.  “What?  That can’t be.  We scheduled that payment through our bank.”  Long story short, we said we would look into it and get back to them.  Upon further inspection, we don’t know how it happened, but the payment didn’t go through.  There was no record of it being scheduled.  The downside of eBanking.

We agreed that hubby would call the credit card company back on Monday (yesterday) and get it all sorted out.

While at work, I received a call from hubby.  His words were: “I’m looking into it, but they have a note on our account that we are in bankruptcy.”  I was overcome with panic, anxiety, fear, anger…all at once.  To be clear…we are NOT in bankruptcy.  We were both pissed.  We have worked hard to keep our finances straight, and now this.  How did this happen?

After a brief conversation, he hung up to continue the round-robin of phone calls and threats involving the better business bureau to figure out what happened.

In the meantime, I called the mortgage broker to notify him because we are in the middle of a re-finance.  We can’t have that on our credit, and we needed him to know in case he was notified of all this.

Apparently, the guy who called on Sunday made the notation of bankruptcy on our account…complete with the name of a lawyer!  After hours of phone calls and being transferred from here to there and back to here to there…we think we have it corrected.

I will be writing a letter to the appropriate very-high-up-person at this credit card company to do some ‘splainin.’  Hubby gives the guy the benefit of the doubt and believes it was an honest mistake made by the guy who called him Sunday afternoon.  Perhaps he was going down his list of people to call and didn’t close out from our account and made their notations on our account.  It’s possible.   Humans make mistakes, but this was a MAJOR mistake which could have cost us (literally) if we hadn’t noticed.

I sincerely hope it has all been straightened out and that our credit is clear.  Still a little anxious about that.