Man, I hate creditors.
Allow me to explain.
Yesterday I got a call from a collections agency notifying me that I was twelve days past due in making a loan payment. I was positive that I'd sent the payment to them well in advance of its due date, but checked my bank records just to make sure. I had. They'd even cashed the check, so I called them back to find out why I hadn't received proper credit.
Operator: What can I help you with today?
Me: I'm calling to see why I haven't yet received credit for the last payment I sent in.
Operator: I'm showing that we recently received a payment of [half the amount], and the outstanding balance is [half the amount].
Me: That's not correct. I mailed a check for [full amount], and my bank records show that you guys cashed it.
Operator: Oh. I see what happened. So you want us to credit the full amount to the loan? I'll go ahead and do that for you now. And don't worry, I'll make sure this doesn't affect your credit score in any way.
Me: Thank you.
What I wanted to say: Are you fucking kidding me you stupid motherfuckers? Why would I send in a payment and only want you to apply half of it to the balance of the loan? Did you think I wanted you and a co-worker to go ahead and treat yourselves to a nice lunch with the rest? How stupid can you be?
Seriously, don't ever do business with Key Bank.