Saved by the Receipt!

The phone rang this morning with "Scott" asking me about my car payment (due last Saturday). I said I had made the payment on Friday the 13th, so he said they had no record of it, but okay, and hung up. I called customer service to see if Scott was legit, and sure 'nuff, they don't have me as having made the payment, either. The nerve of me for making the payment at the local branch instead of by phone or electronically directly to the auto loan people! She could not possibly check on a payment made via branch.

Called the branch who said bring down what you have, unless you can fax it, and we'll figure out what is going on. Off to the branch with my receipt, the kept part of the payment voucher, and a fresh balance from my checking account to verify no bouncing scenario possible.

Strangely the branch guy had to call the auto loan folks, too, but after about 10 or 15 minutes they figured out the branch teller had somehow applied the amounts to principle and interest without actually marking it as a routine payment. Very odd. It's fixed now, supposedly with no late fees applied. Teller is probably going to have a review of "how we handle auto loan payments". The branch guy had the grace (and sense) to apologize for the inconvenience.

I am pleased that I was able to find the receipt quickly and easily (although since it was on an end table, probably no one else would've been able to find it), despite the overall disorder of my papers. Yay, me!