My bank are very good - First Direct. But even they do strange things sometimes. They ring me then tell me they need to ask me security questions first - they phoned me! And I answered!
Also, I pay off my credit card every month on the day it is due. I have a text message service which tells me at around 8am what is coming out and what came in. So when I see the credit card figure (a big minus), I transfer the money into my current account to cover it. The bank automatically pay off the credit card with this money I have moved into the current account. This I have done for years, since the text message service began and by the end of play that day all is square and balanced. A few months ago I got a call from the bank - early, before 9am, saying my credit card bill balance was now due and as there were insufficient funds, they may not be able to pay the bill in full as this would put my current account overdrawn.
I pointed out that I hadn't transferred the money yet and that the day was far from over yet. The girl had no concept of what I was saying at all, even when I told her to look at my account history on every credit card payment day for the last four years.