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TIFU (update): I forgot I had autopay and accidentally double-paid a debt settlement on the call

Update on my recent saga of trying to adult my way out of old balances.

After the whole "paid the wrong collector" disaster, I finally got a written settlement offer from the correct one. It was one of those "pay X by Friday and the account is considered settled" deals. I have been living in spreadsheet land lately, so I felt weirdly proud of myself for not panicking and for actually getting something in writing.

So here is how I fucked up today.

Weeks ago, when I was in full anxiety mode, I set up an automatic payment in my bank app for what I thought was the minimum monthly amount. Then I forgot I did it. This morning I called the collector to pay the settlement amount manually because I wanted the confirmation number and the receipt right away. The agent took my details, read the total back, and I authorized it.

While I was still on the phone, my banking app sent a notification: the scheduled payment had just processed. Same creditor. Same account. Different amount. My stomach dropped.

I blurted out, "Wait, I think I just paid you twice," and the agent went very quiet in that way that tells you you just made their day complicated. They could see both pending transactions but could not stop either one. Best they could do was note the account and tell me refunds take time and might come as a check. A check. Like it is 1998.

So now I am short on money for groceries and gas until either the second payment bounces back or they mail me my own money in an envelope. I did this to myself by trying to be responsible too aggressively.

TL;DR: I forgot I had an autopay scheduled, then paid a settlement manually on the phone, and double-paid the same debt while the agent listened.

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