I currently have my bills set up on auto pay. My utilities and credit card companies pull money directly from my bank account on or around the due date. It works well, but my bank (Ally Financial) offers a bill pay system where I would enter all the account information for each of my bills on the bank's website, and the bank will push the money to the proper place when it is due. The thought of having all the bills in one place appeals to me, but I was wondering what others use, or if there are any drawbacks/advantages to either that I'm not thinking of.
The reason I even hesitate is because of someone I know in the collections department at AT&T (you call her when your phone goes off after you don't pay your bill). She is terrified of auto pay altogether, because she sees things go wrong all the time: user error, bank error, utilities error, etc. She says that the "push" method introduces a third party to the process; that is, you are no longer paying your bill, but the bank is paying your bill and you are paying your bank. So if for some reason your bill doesn't get paid, she can't help you or track down a missing/misplaced payment, because you didn't make it to begin with. She also says that some banks will make huge payments covering many users at once, so your individual payment doesn't even exist. All that being said, I'm skeptical, and it wouldn't surprise me if she's confused on some things.
So has anyone ever had any problems, with either method? Is there anything I should be worried about?