I'm on hold with Citi customer service right now.
So I had a statement balance of about $5500 (had a big expense that I charged, and was going to pay off at the end of the month). I have autopay set up on the acct and the payment due date was Aug 3.
Towards the end of July, I got a little antsy and went ahead and made the payment, which posted on the 27th (a lot of my bills/mortgage get paid on the 1st and I wanted to make sure this big bill was cleared before those others started to go through). I figured the autopay would see a zero balance and then take zero dollars on 3rd.
Apparently I'm a dummy because the autopay took another $5500 out of my checking acct on Aug 3.
And since I don't normally leave $11K in that basic checking acct, the acct was overdrawn. Fortunately most other bills and mortgage cleared before this happened, except for 1 which I now have an overdraft fee of $39 for.
I'm mad at myself for getting antsy with the payment but wtf? Their stupid system isn't smart enough to do basic math? Grrrr.
So, a little bit of b*itching and moaning, and a cautionary tale too...don't mess with autopay I guess...