Atleast it's over (hopefully)

It is sad how closely you have to watch out for people trying to steal your money.

Please look past the poor grammar and incoherency that is about to come out of my mouth/fingers. I'm venting.

Background: We recently switched insurance companies and banks in an effort to save hassle and money and until now have been pleased with both.

Today: Because of a glitch with my insurance companies website, I ended up with $40 in bank fees. I get ticked when people try to spend/take my money without my permission, so I followed up. When I first told the insurance company about the possible glitch, I was pretty much told that it wasn't their problem because it wasn't an error that had ever been reported before and that I needed to take it up with the bank. I was very irritated and confused with this response but did not push it because I didn't have all my facts yet (ammo) and I was trying to keep my cool.

So, I call my Credit Union.

I was already irritated and probably caused some of the jerkiness that came from the other end of the line, but still. He told me that I had to have not put in the complete account number, which would direct the withdraw to my savings and not my checking. We went back and forth for a while, but the jests is I told him I put in the account number straight from my check and what I heard (implied) was that I was either lying or dumb. I eventually told him off and hung up. The only people I ever hang up on are telemarketers that won't let you hang up on them politely.

I then called my kind husband who let me vent 'til I stopped crying. I was feeling completely defeated. I HATE feeling defeated by my own efforts.

When I got home, where I had access to my check book, insurance information, and everything online that I needed, I decided to go talk to the Credit Union in person. They were amazing. They confirmed that I had used the correct number. They also reversed the fees, even though it was not their fault. They're just amazing like that.

The Credit Union phone experience was the first time I have at all been displeased with them. It was probably just a combo of two people having bad days and ending up on the phone together at just the wrong time. Or maybe it was just me having a bad day and, despite my best efforts to conceal my frustration, taking it out on the guy on the phone and him reacting like I would react to someone yelling at me.

So, I come home and call the insurance company. As it turns out, the website error that caused the whole mess WAS a reported problem. I told the new lady on the phone about the fees and what the first lady on the phone said and she did what she could to make it right.

Now that it's all over, hopefully, I'm not upset with either company and it actually all seems kind of silly. I feel better about my efforts to save hassle and money. I feel much less defeated than I did earlier this morning. I love our selection of bank! And the insurance company at least made an effort to make things right.

I am the only one that stuff like this happens to? Does anyone else feel like they have to keep on top of everything to keep from being taken advantage of? I feel like I'm doing it all the time and it's exhausting.