Opinion editor’s note: Strib Voices publishes a mix of guest commentaries online and in print each day. To contribute, click here.
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I’m a busy person. I don’t wish to spend time each month on routine financial matters. I’ve automated all of my regular transactions. My bills for utilities, homeowners association dues, phone, insurance payments, even my Minnesota Star Tribune subscription, go to an account kept with my brokerage firm, and I fund that account sufficiently so they pay the bills each month. I never see the money going in or going out, unless I choose to, which I do once or twice a year.
In September 2022, my brokerage firm changed banks. My account number didn’t change, but the routing number did. I notified my utilities, homeowners association, phone provider, insurance company and the Strib. They all changed the routing number and all was fine.
Except for CenterPoint Energy. They took in the new routing number, but also kept the old. And in the first month, CenterPoint, like all the others, got it right. Unfortunately, every time thereafter they got it wrong; they tried to pull my bill payment out of my account using incorrect information.
To some degree I was at fault; I entered the new routing number, but left off a digit from my account number. I immediately corrected this, however, which is why they were able to bill correctly in the first month. But then they billed using wrong numbers, over and over.
I called them. Oh my, did I call them. I told them they were billing my account using the wrong numbers although they had the correct numbers.
Their response each time was, essentially, this: This is your fault. We are charging you a late fee and also a fee for the payment not going through. All too soon they canceled my autopay account and said I would get it back in a year. (To their credit, they canceled some, though not all, of the late fees and other charges.)