Hi Kammi. That sounds normal under the circumstances. Earlier in VF2's release, if a player closed the game on the adoption screen, whichever peep was shown on the adoption certificate was the peep that the player got when they reopened the game, they were not able to continue scrolling through peeps. This was changed.
If you choose to start your game over from the beginning, it's best to do so when you are able to complete the adoption process, so that you get a peep with a bank account that you prefer.