What am I to do?

Tried to get a new rep payee company to become my rep payee for six months. They said they were about to start, only to then say they can’t be my rep payee because even though Social Security approved them the bank still wouldn’t, & that it would take another six months for the bank to approve them!

I don’t know what to do. At at my wits end!

I don’t understand how certain rep payee companies can be so incompetent! Now I have to find another rep payee!

My disability support team is now trying to encourage me to become my own rep payee. My previous support coordinator/case worker has disagreed with that idea in the past and my new support coordinator might too. My sister strongly disagrees with the idea that I should be my own rep payee, even though my Dad thinks it would be a good idea.

I’m torn, conflicted, and feel like everything is falling apart slowly! I don’t know if I should become my own rep payee, because I don’t know if there are many things I need to worry about besides budgeting if I do!

If I do, besides budgeting, and the fact that you can only have a certain amount at a time in the bank account, what else am I supposed to keep in mind if I become my own rep payee??? I don’t know what the right decision is here! But the company that now failed me has given me no choice but to look elsewhere besides them! There weren’t very many rep payee companies taking in new clients last time we tried looking six months ago! Social Security just gave them the OK to become a rep payee, but now they’re telling me that the bank, however still will not approve them!

This is what they told me.

Them: “I just sent your support coordinator the update that we do in fact have to assign you to a new Rep Payee because the process will proceed longer than expected.”

Me: “So you guys can’t do it then?”

Them: “I apologize for the delay. I wish there was something I can do. We can do your PBA but not Rep Payee. The difference is PBA is teaching you about money and how to spend it using budget sheets etc while your Rep Payee will receive your funds and handle your finances”

Me: “PBA won’t help me at this time! That’s just a budgeting class, not something that can give me my funds I need to thrive! I need to be getting my SSDI NOW, because it’s already been six months! I’m sorry but this is not ok”

Them: “I understand your frustration. I sent a letter to you and my other client’s support coordinator about the current status. (Bank’s name) did not approve us for this type of account. We need more growth before we can become an Organizational Representative Payee. They said for us to apply again in 6months. We truly apologize for the delay.”