Right before Thanksgiving, I made a stupid mistake. I was paying bills online through my bank's website, and for some reason I accidentally clicked the wrong button and sent a payment to the wrong company. I don't know why I made such a careless error; perhaps I was in a hurry or distracted (I really don't remember). But the end result is that a $2,700 payment intended for my Chase credit card went to Centerpoint Energy instead.
I didn't notice my stupid mistake until I checked my balance a couple of days later, but I wasn't too concerned. The Centerpoint account I accidentally made the payment to had been closed since I moved out of the house in Bellaire back in the summer of 2017, so I figured that the payment would be kicked back by Centerpoint's computers in a few days. In the meantime, I made a second, correct payment to Chase (I was lucky enough to have the extra money to do so), and waited.
Days passed. Nothing happened. So I decided to call Centerpoint.
After spending some time navigating through their automated customer service system, and then spending some more time on hold, I was finally connected to a real, live customer service representative named "Claire." I explained to her my predicament; she quickly located my otherwise-closed account and opened a case for me that would be referred to Centerpoint's accounting department. She told me that a refund check would be issued to the address on file for my account (in this case, my parents' house) and it would take seven to ten days.
Seven to ten days came and went. No check appeared at my parents' house. So I called Centerpoint again.
This time (after I once again navigated through their automated customer service system and spent a few more minutes on hold) I was connected to "Fran." She told me that the case the previous representative made for me was incorrect, and that she would file a correct one. She explained that the erroneous payment would go directly back to my bank and that it would take five to seven business days to process.
Seven business days came and went. No refund appeared in my bank account. So I called Centerpoint for the third time.
This time the service representative I spoke to, "Tiffany," said that the refund request had been ordered by the accounting department, but that it would actually take ten to fifteen days to process (and perhaps even longer, since by now we were approaching Christmas). She suggested I call my bank to see how long it takes them to process refund payments once they're received. (I did, and the bank representative I spoke to said such payments are usually processed within two to four days of initial receipt.)
Christmas came and went. No refund appeared in my bank account. I was becoming frustrated. Would I ever see my money again?
So I called Centerpoint for the fourth time. This time, the service representative I spoke to, Angela, confirmed that the refund had been ordered by the accounting department, but that it actually takes up to thirty business days for it to process, and because of upcoming holidays - New Year's Day and Martin Luther King Jr., Day - it could take even longer. She said that the case was still "open" in their system, meaning that it was still being processed.
The New Year and MLK Day came and went. Still, no refund appeared in my bank account. So I tried to call Centerpoint again. However, due to the freezing weather that was affecting Houston at the time, people were obviously having trouble with their gas and customer hold times were an hour or more. I decided to wait one more week and call again.
When I called Centerpoint for the fifth time, I got Angela again. She told me that the payment had been processed and I needed to call something called "CheckFree" to see where my payment was. She gave me a phone number for the company, but could not give me any sort of tracking or other identification number for the payment. At this point I had completely run out of patience; as politely as I could, I told Angela that this situation was not acceptable. If I did not get my accidental payment refunded soon, I was going to file a complaint with the city, or the Public Utilities Commission, or even speak to an attorney.
As I suspected, the number she gave me to CheckFree (which is apparently an ACH payment processor owned by the financial services company FiServ) was useless. So I began contemplating my next step. Should I start with an email to the City of Houston's public utilities complaint department? Should I copy my district councilmember? Are there attorneys out there that have dealt with these kinds of issues that won't charge me several hundred dollars just to talk to them?
And then, lo and behold, two days after I called Centerpoint for the fifth time (and over 60 days after I originally made the erroneous payment), guess what finally appeared in my bank account? The refund came with an email from my bank stating that the payment had been "refused by the payee," as if it were an automatic action on the part of Centerpoint and not the result of my calling them five separate times over the course of two months.
Apparently, a lot of people have had similar issues with Centerpoint not returning inadvertent payments in a timely manner (see here and here, for example). And if I were an unaccountable utility monopoly like Centerpoint, I'd probably dither in returning accidental payments too. Perhaps the corporation figures that, if they continually give people the runaround by telling them a different story every time they call customer service and slow-walking refund payments in their accounting department, some people will just give up and allow Centerpoint to keep their money.
But I wasn't going to be one of those people. $2,700 is a lot of money, and Centerpoint was not entitled to it. I'm thankful that my financial situation is such that I could go a couple of months without that kind of money in my account. But what about people who made similar mistakes who were not as financially well-off as me?
Online banking may have made obsolete the hassle of writing out paper checks and mailing them, but it also makes it easier to make a dumb mistake like I did. This was the first time I've ever made such an error. After this experience, I am determined that it will be the last.
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