Doesn't surprise me. The other way that one ends up in trouble when PCSing or deploying is by accepting "casual pay." Like any other dumb private (actuall, dumb specialist, I went in as an E-4, thanks to a degree) when I left AIT (tecnical training) at Ft. Sam Houston San Antonio, for Germany in February of 1990, I accepted the next months salary as "casual pay," since it would take that long for me to in-process and set up bank account at my new duty station. Well, March rolled around, and I had no pay. The Army's Financial Branch, instead of merely stopping payment on my February pay, re-collected an entire month's pay in March. they did the same in April, May and June. It would have been less frustrating had it been an unusual occurrance, but it happened to EVERYONE!!! Frotunately, since it was a common occurrance, my new friends in my new unit took care of me,as I was later to do with those who came after me. But the frustration of the fact that everyone knew the system was broken, but no one could fix it was maddenning. I did not recieve the three months back pay until I ETS'ed in July of 1995! Roughly five years later!
In addition, in the 1990's, service members in Germany had but two choices of banks: American Express,and the USAREUR federal credit union. Both were notorious for "creative banking." Both were the only financial institutions to recieve contracts to serve as banks on post for US military personnell and their families. We were not allowed to set up accounts with German banks without also haveing an account with one of the US banks on post. AMEX was famous for clearing checks two or three times, denying payment when funds were in the bank, or failing to register deposits. I bounced several checks when I had funds in the bak due to AMEX' mistakes,and had to piece together the paper trail to avoid getting an article 15. Again, this was not unique. It happened to everyone, but no one could do anything about it.
My final financial gripe is over the AAFES (Army/Air Force Exchange Service..i.e. the PX) version of a charge card, called the Defered Payment Program (DPP, we called it the "dumb privates program"). It was like a department store charge card system. Pretty much everyone applied for it, in order to acquire the neccessities (civilian clothing, military clothing, stereo (
), etc...) especially since you knew you wouldn't get paid for your first three months. The DPP accounting was done at the AAFES headquarters in Dallas, TX. In order to proceed from one assignment to another (i.e. In order to leave Germany and PCS to Madigan, in my case) you had to have a stamp on your clearance paperwork saying that you didn't owe DPP any money . For some strange reason, the PX's computer was always well behind the soldier's actual statement, so even if you had payed off your DPP charges, you still ended up having to shell out green stuff to the DPP counter. Even with my statements in my hot little hand to show I was at zero balance, I still had to (re)pay something like fifty dollars. I never got that money back. In fact, in 1998, after I had been out of the Army for three years I had six-hundred dollars taken out of my income tax return supposedly to pay an old outstanding DPP balance. I didn't even bother to try and get that back. Okay, done ranting.