Here's something everyone can take with a grain of salt, as that's probably all it's worth, but I might as well say it, in case anyone who understands this crud can explain it.
Yesterday afternoon when I was on the phone with my bank because I assumed the problem was on their end, the FIRST rep I spoke with (Yani) at first sounded like she couldn't see anything that I couldn't see, by looking at my account online. But she eventually "found" the deposits from Ebay, said they were "pending" and started going into a long script about how deposits can take 24-48 hours to clear because "blah blah blah, Ma'am".
I was like, "Wait, so you're saying you HAVE received them from ebay, correct?"
"Yes Ma'am, but it can take 24..."
"Yes I know that, I just want to make sure I understand the first part. You DO see those two payments from ebay? Where?"
"Ma'am, they show as 'pending' payments."
"Why can't I see them, even as "pending"? I have my account open right now, the only item marked 'pending' is a debit to Apple for my monthly cloud storage fee. No pending deposits."
"Ma'am, you also have a pending debit to Planet Fitness, for the amount of......"
I tried to get her to give me more details about the two EBAY deposits, like what time does it show that they reached my account to begin the clearance process? But I swear to god, she acted like she was deaf and/or stupid, kept referring to Planet Fitness and Apple, as if I hallucinated the part where she said there were two EBAY deposits! Then she said she needed to ask an associate for help and would I mind holding for just a few minutes.
At least 15 minutes later the hold music stopped and the bot recording started asking for my account number, as if I were making a brand new phone call! With no other choice, I entered all that and pressed this and pressed that, had another long hold to get a human, this time "John". I said I was on hold from Yani. He put me on hold while (allegedly) looking up Yani, came back and said he would transfer me to her. I had little confidence in getting back to Yani, figuring John was just shoving me off to 'whoever' but before I could even say anything else, I hear the music again. Then after another long hold, I hear a female voice that sounds just like Yani, but this one is saying her name is 'Ren.' Whatever. But she says she can help me if I just explain my situation to her, so I go through the whole thing again. But SHE says she does NOT see any pending payments from Ebay, nor can she explain how Yani could have seen them. However, she also could not see the pending DEBIT to Planet Fitness. So it really does seem like maybe Yani had access that Ren did not, but Ren said there was no way to transfer me to an agent based only on their first name, so yeah John was indeed just shoving me off.
So if you've read this far (don't blame you if you haven't), I don't know whether Yani just made it up to give me false reassurance or what. If so I wish she HADN'T because this whole thing would feel a lot cleaner if I just knew that they hadn't actually received a thing from ebay.
