I charged my son's wisdom teeth surgery on my WaMu credit card, which hadn't yet been used. When I was reimbursed by my insurance, I went to the bank to deposit the check. I explained to the teller that I was hoping to make a payment on my credit card without having to use the mail or checks, because I am too disorganized and don't always get my mail since three other adults get the mail at my house.

I deposited a round dollar amount to get some cash (under $100) and was told in order to make the credit card payment I would need to 'withdraw' it (the $400 I elected to pay) and she would process the payment in that amount. She was very nice and friendly, going on and on explaining something about how helpful the bank is as far as conveniently paying bills at the teller. I felt as if she was overdoing it--the way people I collect urinalysis samples at the drug treatment center do, when they want to distract me from their attempt to cheat on their UA. But mainly my eyes just glazed over and I wanted to get out of there.

The next month, I made a payment with a male teller, who gave me a large pink receipt. This reminded me of how suspicious I'd felt the last time, because I hadn't gotten anything like that before! I made a mental note to check the bill when I found it. We found it yesterday, when my girlfriend noticed there was a late charge on it! I saw that the first payment had not occurred, the way I'd intended. Now, what do I do? Call the cops? Go to the bank? I don't have any receipt, thanks to the teller. The way it's set up, I made a cash withdrawal, and it looks like I got cash out for Christmas. My bank statement shows the debit card activity I actually did use while shopping.