Nancy
Steilacoom,#2Consumer Suggestion
Mon, May 05, 2008
The mortgage company apparently presented the check for payment before the date on the check. They probably ahd a batch of checks that they sent at the same time. IF it is jsut one check and one deposit, then the teller MIGHT ahve caught it, but not if there were many checks. the bank is correct, the processing department does not look at dates ( signatures either) they just look at the amount, and not even the written amount unless they can't figure out what the numbers are. I used to work in the proof department for Key Bank until I got carpel tunnel and ahd to quit. My daughter still works there. When we are "running" the checks thru the MICR machine, the average operator is running about 2300 items an hour, we don't have time to look at the date. So next time don't blame the bank blame the insurance company.
Steven
Jacksonville,#3Consumer Suggestion
Sun, May 04, 2008
If you have already closed the account then ignore the rest. Another solution to this problem would be to have the bills payed thru the companies themselves. I do this with my utilities and other credit cards. I go online to their websites and pay thru them. No explanation as to why they would do the transfer several days ahead of time unless the due date is a weekend or holiday. Something else you can try is direct deposit. That way you shouldn't have to worry about an check hold policies.
Edgeman
Chico,#4Consumer Comment
Sun, May 04, 2008
At least not on the part of Wachovia. They mailed your check on a Friday (the 25th) so it would have plenty of time to arrive due to the weekend and possible delays from the Post Office. If they had mailed it on Monday, it would likely have been a day late. It sucks, but as the bank pointed out, you might consider adjusting bill pay dates.