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Non-investing private finance points together with insurance coverage, credit score, actual property, taxes, employment and authorized points equivalent to trusts and wills.
Re: Check Fraud
The police said that there have been teams going round with verify printing functionality within the again seat of their automobile. As soon as that they had your bodily verify with account and financial institution information they may rapidly print a number of checks, copy a signature and money them on the best way out of city.
Do not forget while you increase the flag in your mailbox it is nearly like promoting there’s a verify inside since most of us seldom mail something today.
Since she nonetheless desires to have the ability to write checks, now we have most of her payments autopay from her Constancy CMA account. She retains a pair hundred {dollars} in her CU checking account to pay the panorama man, and so forth.
Re: Check Fraud
RetiredAL wrote: ↑Sat Sep 14, 2024 2:26 pm
That’s my fear too.A few month’s in the past, our ATT invoice, which has been on auto-pay for a very long time, I discovered that auto-pay had stopped. ATT couldn’t inform me why. When the following month it additionally failed, I blew the auto-pay report away and re-created it. ATT says every thing is OK and set to go even by means of on-line is says not prepared. ATT stated that’s as a result of the brand new report was not but in place when the month-to-month assertion was processed. I will discover out in 3 weeks. Of word, one other ATT account that makes use of the identical billing path has continued to work wonderful.
Hey, the very same factor occurred to me with AT&T earlier this yr. The autopay simply mysteriously stopped and disappeared from their system. I acquired charged late charges and was now not in autopay. (I discovered about it from the month-to-month paper invoice they ship me; I didn’t get any digital notification.) I do know my bank card information was up-to-date and never going to run out as a result of I up to date it final yr (and there have been profitable funds as much as that time).
I referred to as them up and so they could not clarify it. We re-setup every thing and so they had been presupposed to take away the late charges. Their autopay system sucks, as a result of it takes a number of months to reestablish, so I needed to hold manually paying till autopay was lively once more. (I paid over the telephone whereas I used to be speaking with them.) Then they screwed up my subsequent a number of payments as a result of they did not take away the preliminary late payment from the system, so all my funds got here in brief as a result of they saved tacking on further late charges after the actual fact. After a number of months, the payments turned so convoluted, I might now not inform if I truly acquired all my a reimbursement from late payment expenses or if I ended up consuming it.
However I am fairly certain this was an AT&T downside and never a financial institution downside. This was not the financial institution/bank card slicing me off. I did not have every other issues with every other establishments.
Re: Check Fraud
RetiredAL wrote: ↑Sat Sep 14, 2024 2:26 pmstudent wrote: ↑Sat Sep 14, 2024 2:13 pmjebmke wrote: ↑Sat Sep 14, 2024 2:04 pmstudent wrote: ↑Sat Sep 14, 2024 1:54 pm
Humorous. Imagine it or not, I had insisted having paper bank card statements, utilizing them as reminders. I lastly determined a number of years in the past that the danger of fraud is larger, and turned off all paper statements. The one exception is one utility invoice. They ticked me off after they began charging payment for utilizing bank card final yr. So I need them to ship me a paper invoice. (I do know it’s not rational but it surely provides me satisfaction that they need to spend cash to mail me a press release.)The larger threat for me is that one thing will get misplaced (despatched to another person) or recycled by chance. Greater than as soon as I’ve acquired brokerage statements for varied individuals within the space. Every now and then somebody will cease by and ring our bell and hand us a bundle;
I do the identical because it could possibly be one thing time delicate like Rx. USPS/UPS should not dependable — good people however not dependable.Aren’t the utility payments all on-line? I nearly by no means have a look at them. Bank card and financial institution statements are the one ones I have a look at (and brokerage, after all). The few occasions I’ve appeared on the electrical energy invoice I simply shrug – how the hell would I do know if it’s not appropriate if the quantity appears cheap.
As soon as I acquired a press release from a monetary advisor that’s for somebody dwelling in my complicated (misdelivered). The individual has handed away. The mail appeared necessary sufficient that I drove to the advisor’s workplace and gave it to them. (In case it seemed like I did an awesome deed, it was not. The workplace was on my option to work.)
Simply in the present day, I spotted that I’ve a bank card invoice to pay once I logged on to my account. My knee jerk response was they did not ship me an e mail concerning the invoice. After checking my inbox, the error was mine, I missed the message. Alternatively, I didn’t acquired the invoice from my cellphone firm through e mail final month however luckily, I set the notification to mail and textual content.
That’s my fear too.
A few month’s in the past, our ATT invoice, which has been on auto-pay for a very long time, I discovered that auto-pay had stopped. ATT couldn’t inform me why. When the following month it additionally failed, I blew the auto-pay report away and re-created it. ATT says every thing is OK and set to go even by means of on-line is says not prepared. ATT stated that’s as a result of the brand new report was not but in place when the month-to-month assertion was processed. I will discover out in 3 weeks. Of word, one other ATT account that makes use of the identical billing path has continued to work wonderful.
If you already know the debit dates, you do not want the invoice/assertion to confirm. One factor I’ve performed is cluster as many DDs originally of the month. All of them hit practically without delay (sure, the seller will usually change your date if requested). CCs auto pay within the third week. I can simply see the payee on the financial institution assertion (or on-line transaction itemizing); with checks, all I might see is “Examine # xyz” and the quantity. Semi-useless information.
If you uncover that you’re using a useless horse, the perfect technique is to dismount.
Re: Check Fraud
chaser wrote: ↑Sat Sep 14, 2024 2:44 pmRetiredAL wrote: ↑Sat Sep 14, 2024 2:26 pm
That’s my fear too.A few month’s in the past, our ATT invoice, which has been on auto-pay for a very long time, I discovered that auto-pay had stopped. ATT couldn’t inform me why. When the following month it additionally failed, I blew the auto-pay report away and re-created it. ATT says every thing is OK and set to go even by means of on-line is says not prepared. ATT stated that’s as a result of the brand new report was not but in place when the month-to-month assertion was processed. I will discover out in 3 weeks. Of word, one other ATT account that makes use of the identical billing path has continued to work wonderful.
Hey, the very same factor occurred to me with AT&T earlier this yr. The autopay simply mysteriously stopped and disappeared from their system. I acquired charged late charges and was now not in autopay. (I discovered about it from the month-to-month paper invoice they ship me; I didn’t get any digital notification.) I do know my bank card information was up-to-date and never going to run out as a result of I up to date it final yr (and there have been profitable funds as much as that time).
I referred to as them up and so they could not clarify it. We re-setup every thing and so they had been presupposed to take away the late charges. Their autopay system sucks, as a result of it takes a number of months to reestablish, so I needed to hold manually paying till autopay was lively once more. (I paid over the telephone whereas I used to be speaking with them.) Then they screwed up my subsequent a number of payments as a result of they did not take away the preliminary late payment from the system, so all my funds got here in brief as a result of they saved tacking on further late charges after the actual fact. After a number of months, the payments turned so convoluted, I might now not inform if I truly acquired all my a reimbursement from late payment expenses or if I ended up consuming it.
However I am fairly certain this was an AT&T downside and never a financial institution downside. This was not the financial institution/bank card slicing me off. I did not have every other issues with every other establishments.
Once I requested the CSR this week why is says ‘not prepared”, he stated the web site typically does that and his system reveals all is “prepared”. That provides me actual confidence!
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Re: Check Fraud
exodusNH wrote: ↑Sat Sep 14, 2024 11:54 amSmileyFace wrote: ↑Sat Sep 14, 2024 8:56 am
Thanks for posting this.
A superb reminder of why to not use paper checks.
My city began assessing a 50 cent payment on ACH funds for property tax. I considered being a insurgent and going again to giving them paper checks (have not performed so in years). Based mostly in your reminder – I suppose I’ll pay the 50 cents and persist with the web funds.You’ll spend greater than 50 cents in time/fuel/postage by avoiding ACH.
I agree that the payment is BS, since it’s much less effort for them to obtain an digital fee that for them to workers individuals and course of in-person funds.
Nevertheless it’s how they fund the web site / program.
I cross by city corridor typically – it might be a fast cease to drop fee. No stamp, further Fuel. 3 minutes time. However the added threat
Re: Check Fraud
Re: Check Fraud
jebmke wrote: ↑Sat Sep 14, 2024 2:04 pm
Aren’t the utility payments all on-line? I nearly by no means have a look at them. Bank card and financial institution statements are the one ones I have a look at (and brokerage, after all). The few occasions I’ve appeared on the electrical energy invoice I simply shrug – how the hell would I do know if it’s not appropriate if the quantity appears cheap.
You’d know they’re appropriate if the meter studying on the assertion matches the meter on your own home, or, the readings you copy into your spreadsheet of the whole historical past of meter readings are according to earlier years’ utilization for the present month. 
Re: Check Fraud
I as soon as mailed an estimated tax fee in a USPS blue field outdoors a submit workplace that was stolen, “checkwashed,” and deposited to a distinct payee utilizing a forgery of my signature on the signature line. That was a $1000+ lesson, as I did not uncover the misappropriation till tax time, too late for the financial institution to acknowledge duty for clearing the cast verify. The intelligent half was, the thief did not change the greenback quantity. I used to be careless in not opening the hooked up verify picture on my month-to-month digital financial institution assertion, as every thing checked out a look to be appropriate on the month-to-month record of transactions. For sure, I’ve modified my invoice paying course of and stage of warning.
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Re: Check Fraud
I solely use a verify once I can hand it to an individual I belief. In any other case, who is aware of who’s gaining access to your checking account information? If there isn’t any different to digital fee, I’ll FedEx money; cheaper than having the checking account drained. This can be a new value of doing enterprise.
Mailing checks on the PO is not any answer. Anyone inside or outdoors is getting maintain of the checks.
Re: Check Fraud
Re: Check Fraud
The credit score union wouldn’t inform us how this occurred, I’ve a sense we had been investigated in the course of the Jun-Aug time-frame. They did say off hand you wouldn’t consider what makes it through the system…
John |
* Family and friends and cash |
* What you suggest can have durations of underperformance. You may be blamed. |
* You keep away from the suspicion of “self-serving.” by Taylor Larimore
Re: Check Fraud
Lastrun wrote: ↑Sat Sep 14, 2024 12:44 pmstudent wrote: ↑Sat Sep 14, 2024 8:46 am
Thanks for posting this expertise. It’s good that your CU covers it. “I present her the verify picture and ask: once I steadiness my checking account in November and see this has cleared (payee shouldn’t be washed) I’ve performed my due diligence. You’re employed right here are you able to inform this has been stolen whereas reconciling your account?” That is an superior viewpoint. The place that cashed the verify is at fault. This makes me need to go to the county workplace and pay the invoice.Am I the one one which sees that OP didn’t, in truth, do full due diligence. Simply because the verify was negotiated and never washed doesn’t imply the tax fee account with the county was correctly credited. OP by no means checked this however can make clear. Certainly, put fraud apart, the county might, for instance, have credited the funds to the flawed account. Presumably, and OP can make clear, OP by no means logged on to substantiate the fee was acquired.
I believe you have got a legitimate level. Our first thought was they keyed the flawed account #. So we took within the picture of the verify.
That would be the process going forward– verify with the county in December to see if now we have paid.
We’ve got talked with the county workplace to see if the automated letter we acquired in June could possibly be despatched in December. Not just for us however each one within the county, they stated no. Cause being you aren’t late till Could.
Most if not all locations you pay will let you already know every month you haven’t paid. Bank card, utilities and so forth will say your 30 days 60 days late which helps to remain within the 60 day window to be lined by your financial institution/cu. That’s the reason we requested for our 60 days to begin in June as a substitute of November.
John |
* Family and friends and cash |
* What you suggest can have durations of underperformance. You may be blamed. |
* You keep away from the suspicion of “self-serving.” by Taylor Larimore
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Re: Check Fraud
Buzzman wrote: ↑Sat Sep 14, 2024 9:15 am
Sorry to listen to you needed to undergo this mess.Final yr my mom (89 yo) positioned checks within the mailbox at about 11 AM and acquired a name from the financial institution at about 3:30 of somebody attempting to money a verify. She acquired fortunate they tried to money it for a price over what was in her account and that is what acquired it observed. That they had washed the recipient title and in her case the quantity off the verify and left her signature. They’re even stealing checks from the submit workplace. In my city they eliminated the blue bins that had been in entrance of the submit workplace as a result of by some means they had been stealing them from there.
We switched my mother (now 90) to primarily utilizing a Constancy CMA and paying payments on-line. I instructed her to by no means mail a verify ever once more. Until she will hand it to somebody do not do it. She hates on-line banking and money administration but it surely’s safer than mailing checks. She nonetheless has an area brick and mortar credit score union account.
If it’s important to write a verify I counsel utilizing a pen with ink that’s largely impervious to washing equivalent to a Uniball 207 gel pen.
May you please clarify how Constancy CMA pays the invoice and why it’s safer? Does it mail checks to payees or through ACH?
Re: Check Fraud
passivechi wrote: ↑Solar Sep 15, 2024 7:42 amBuzzman wrote: ↑Sat Sep 14, 2024 9:15 am
Sorry to listen to you needed to undergo this mess.Final yr my mom (89 yo) positioned checks within the mailbox at about 11 AM and acquired a name from the financial institution at about 3:30 of somebody attempting to money a verify. She acquired fortunate they tried to money it for a price over what was in her account and that is what acquired it observed. That they had washed the recipient title and in her case the quantity off the verify and left her signature. They’re even stealing checks from the submit workplace. In my city they eliminated the blue bins that had been in entrance of the submit workplace as a result of by some means they had been stealing them from there.
We switched my mother (now 90) to primarily utilizing a Constancy CMA and paying payments on-line. I instructed her to by no means mail a verify ever once more. Until she will hand it to somebody do not do it. She hates on-line banking and money administration but it surely’s safer than mailing checks. She nonetheless has an area brick and mortar credit score union account.
If it’s important to write a verify I counsel utilizing a pen with ink that’s largely impervious to washing equivalent to a Uniball 207 gel pen.
May you please clarify how Constancy CMA pays the invoice and why it’s safer? Does it mail checks to payees or through ACH?
There’s a enormous thread on the location that explains tips on how to use a Constancy CMA as a one cease store. viewtopic.php?t=266538. We’ve got all her regular payments auto deduct from the account (electrical, water, bank card, and so forth). All her revenue will get deposited into the account (SS, and retirement). You may get a checkbook which we saved away simply in case we want it. She maintains an account with an area CU and retains a small checking account there. Cash is electronically transferred from the CMA account to the CU as wanted. She will go to a brick and mortar CU to get money as wanted. She will write smallish checks that get handed to individuals.
She DESPISES on-line banking and funds however she has realized that its required in in the present day’s surroundings.
Re: Check Fraud
GMCZ71 wrote: ↑Solar Sep 15, 2024 7:22 amLastrun wrote: ↑Sat Sep 14, 2024 12:44 pmstudent wrote: ↑Sat Sep 14, 2024 8:46 am
Thanks for posting this expertise. It’s good that your CU covers it. “I present her the verify picture and ask: once I steadiness my checking account in November and see this has cleared (payee shouldn’t be washed) I’ve performed my due diligence. You’re employed right here are you able to inform this has been stolen whereas reconciling your account?” That is an superior viewpoint. The place that cashed the verify is at fault. This makes me need to go to the county workplace and pay the invoice.Am I the one one which sees that OP didn’t, in truth, do full due diligence. Simply because the verify was negotiated and never washed doesn’t imply the tax fee account with the county was correctly credited. OP by no means checked this however can make clear. Certainly, put fraud apart, the county might, for instance, have credited the funds to the flawed account. Presumably, and OP can make clear, OP by no means logged on to substantiate the fee was acquired.
I believe you have got a legitimate level. Our first thought was they keyed the flawed account #. So we took within the picture of the verify.
That would be the process going forward– verify with the county in December to see if now we have paid.We’ve got talked with the county workplace to see if the automated letter we acquired in June could possibly be despatched in December. Not just for us however each one within the county, they stated no. Cause being you aren’t late till Could.
Most if not all locations you pay will let you already know every month you haven’t paid. Bank card, utilities and so forth will say your 30 days 60 days late which helps to remain within the 60 day window to be lined by your financial institution/cu. That’s the reason we requested for our 60 days to begin in June as a substitute of November.
Maybe you needn’t contact the county workplace. In my county, anybody can verify on-line a few property and it states whether or not tax has been paid.
