{{{Jess}}} I'm so sorry, that sounds like a nightmare. Giving meaningful feedback *is* the worst!
When I tried to pay for my new catalytic converter with my debit card because my insurance company had already deposited my claim money in my account (living in the future is AMAZING sometimes) I discovered that I have a limit on how much I can charge to it in a day. My credit union was super nice about getting around it (they needed something in writing authorizing a higher one time charge but they accepted an emailed photo of a scribbled post it note) and I'm sure I had known about it but never considered it an issue because it was a higher amount than I could really imagine wanting to spend.