A few years ago I had an account at NIC. One day I issued EFT instructions for a large amount (about 90% of the balance). It was effected immediately. Then some days later, I went to make a small withdrawal over the counter.

I was informed that the account was in OD. I asked how come and was referred to some attitude laden lady (A-L-L). She checked the record and asked rather rudely why I have been operating the account in OD all this time without authority!

I told her her that the account has NEVER been in OD. She retorted: "this account has never had money ever since you opened it! In fact your opening balance was an OD"

I tried to explain that that's an impossibility - accounts ALWAYS open with a positive balance - but she would not listen. Her response was "This computer never get's things wrong"!!! "huyu ni msema kweli"

Long-story-short: it turned out that my EFT had been recorded twice. Once with the correct date and a second time with a wrong date that was earlier than the day I opened the account!

Now that was a serious bug in their computer programme but nethier the manager nor the A-L-L could understand it. I am surprised that the bank still has customers!