Bank Error Costs Us $10,000

We owed $19,000 for the solar installation for our house: two payments of $9,500. My husband paid in full yesterday, a full two months before the account is due. However, a keystroke error was made by an EnerBank employee and the bank deducted $19,500 for the first and $9,500 for the second.

Now we are $10,000 in debt, and there is nothing EnerBank can do except take the $10,000 extra out of our account and let all of our other outstanding bills bounce. Our debit cards are frozen, our savings are frozen, and we have no access to any of our resources.

If anyone else took $10,000 from me it would be called theft. What is wrong with this system that there is nothing they can do even though they know this is a bank error?

Once they have the funds, they say they will refund any overage, but in the meantime, our credit is ruined and there is "nothing we can do." This was totally an employee keystroke error. True story. Their mistake is our problem. It seems to me that with transactions of this size there should be some kind of confirmation process that would catch $10,000 errors.