I am so glad to hear a happy story about auto pay issues!
My friend got a car and hubby drove it to work a few times before he had a wreck that totaled it, not even a month old The insurance paid it off to the car finance company, not to my friend, to the actual company that their payments went to. The insurance paid it off totally, where there was no money owed on it at all.
The car finance company kept pulling the $350 per month out for months. She kept calling them and calling them to put their money back and to pay the fees they were getting. They had even told their bank over and over not to allow the draft of funds but the car people kept withdrawing them month after month after month.
He doesn't have a huge income and had not thought to keep the car payment money in the bank. They had checks bouncing all over town and it ended up costing them at least $1000 in fees, charges, and all the extra stuff that went to the DA for bogus check. When you have no money to pick up checks that should have cleared you just don't have any money. She had never had a check not clear in her life. Her hubby worked in law enforcement too, they are very very honest responsible people.
The car place told them they had corrected the issue each and every time she called them, that it would not happen again the next month. But it continued.
They ended up having to close that account and open all new ones that were even at a different bank. It was such a mess.