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Posted by Laura on December 11, 2007, 8:32 am
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>
> } > "Bernie Cosell" wrote
>
> } > I've just gotten off the phone with Wachovia and have the
> } > "official"
> } > answer: I *can't* clean up the register.
>
> } I'm confused.
> }
> } If the check was written by the bank (meaning it's their check
> } number) and the funds can never be withdrawn from your account,
> } why can't you just delete the transaction. It never really
> } occurred.
>
> I've had this happen in the past: after the 90 days, *THEY* will void the
> payment [I've seen one or two of those in my register]. I'm a tiny bit
> concerned what'll happen when the online-banking folks try to void the
> check. As I recall, from long ago [can't find it right off in my
> register]
> they entered a "deposit" transaction and then "R"ed both the check and
> their [fake] deposit]. I'm worried that if I undo the check and then they
> DO slip me a fake-deposit I'll be fooled in the other direction [right now
> I have to remember that I actually have more money in the acct than
> quicken
> shows; in that case I'd have less.]
>
> One possibility that occurred to me is that even though the payee isn't
> "me", I am thinking of taking the check to the bank and depositing it into
> my acct. That'd do "in person" what I mentioned above that the online
> folks seem to do after the 90 days are up...
It can't hurt to go in person. When it happened to me and I went into the
bank they had me call the online folks to resolve the issue. I may have been
lucky that because my bank (BoA) actually withdrawals the money from my
account they could reverse that transaction within days.
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