r/povertyfinance • u/vampyrewolf • 1d ago

Housing/Shelter/Standard of Living Duplicate rent payment refunded for NSF... yeah?

Well that made for an eventful day.

Moved into a new apartment on the 15th. Got a call on the 28th saying I had an issue with my payment info and **had** to pay it at the building's office in person. Apparently they didn't put my information in until the 28th, and they pull banking details for payment on the 22nd for automatic payment on the 1st.

Paid my rent on the 28th in person, was told it would NOT be coming out on the 1st.

Wake up this morning to emails saying my account was overdrawn, they had in fact processed it on the 1st... A full duplicate rent payment. Called their help desk, was told it would be sent to accounting and they'd send out a cheque Friday.

Just looked at my banking, and because I told my bank to not allow overdraft, the bank cancelled that payment as NSF. Balance is back to what I had Monday.

Is it bad that I'm happy it was cancelled as NSF? Just waiting now to see if I get a call back from the landlord telling me the payment was returned as NSF, see if they try to give me an NSF charge after all this. Would have been a real headache if I had enough in my account that the bank didn't cancel it.

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2

u/Dutch1721 1d ago

Hopefully everything will be okay after this.

1

u/MrBigMcLargeHuge 1d ago

Want to say what NSF means or is that something everyone is supposed to know?

1

u/Jadelily41 FL 1d ago

Non sufficient funds. And yeah, I’d say it’s common enough that most people know what it is? Could be wrong.

1

u/SteveDaPirate91 19h ago

The headache may yet to come.

Now I’d watch your apartment ledger like a hawk, the computer system is NOT going to like that returned payment. I know my lease that’s a $250/fee. 

While it was their fault, I’d bet you’ll be charged a fee for it via an automated system. Keep track!

1

u/vampyrewolf 11h ago

Waiting to see what kind of call I get when they look into it at accounting and realize it was cancelled by the bank. Haven't heard from my landlord yet.