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AT&T and Wells Fargo

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why is it when I pay my AT&T bill with my bank card the payment is immediately there pending and makes my available balance go down, but the next day or even the day after I log into my bank account and the payment is no longer showing in my bank without my knowledge making me think I have more money in my bank than what I really do?? This is a major issue and I'm not sure if it's on the AT&T side or Wells Fargo side. It is causing me to go negative in my bank account and now I have no money!

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