This kind of stuff is happening a lot.
Chase, Citi, and Wells Fargo seem to be the big offenders.
It’s a good idea to go to those sites and remove any default accounts they may use for those “one time payments”.
As long as your bank is not the not card issuer you should be able to get these payments reversed.
It’s usually better to “push” online from the bank your checking account is at, from THEIR website, than the creditor themselves doing a “pull” from your account.
You have more control.
We’ll after 45 minutes I finally talked to someone who gave me a straight answer to a direct question. Yes, they said, the payment can be reversed once they confirm that the funds were transferred from the bank.
When I asked Why couldn’t someone tell me this 45 minutes ago, the person didn’t have an answer.
I still think they need to do an internal inquiry. If this happens enough then Chase is getting the use of millions of dollars each day unjustly.
Banks and insurance companies used to pull this routine all the time. It’s called “playing the float.” Float being the time a check is received until it’s applied to the account.
Insurance companies do it by denying claims for frivolous reasons.
They get away with it because suckers, like some I see are posting here, are so anxious to proclaim someone else a deadbeat or pretend they’re more moral than anyone else that they don’t even understand they’re getting hosed.