Blue Colnago
Junior Member
What is the name of your state (only U.S. law)? Illinois.
Issue: My Credit card company keeps cashing the same paper check twice.
Details : I mail a check for $300.00, and I get the same check # clearing twice. I called my Bank, they verified this, and said that the Credit Card Company is presenting the transaction once as paper check, and once again as an electronic transaction. So... I call my card carrier and they say they've only drawn once each month. This has happened two months in a row.
My Request To My Bank: I want to request, both over the phone, and In writing that my card carrier is only authorized to draw once on each paper check. So... where can I mail this request?
Bank's Response: There is no address for that request, because we cannot stop this from occurring. You can stop payment on a check after you see it has cashed once, but that will cost you $26.00
Me To Bank: You mean to tell me that my credit card company can draw from the same paper check, as many times as they want, and you will oblige the transaction?
My Bank : Correct. For the two transactions in question, we can credit your account the $600, and start the dispute process. We will be mailing you paperwork to fill out.
My Credit Card Company : We have no record of us clearing the same check twice for two consecutive months, we do see record of the first draw but not the second. We are willing to credit your account the $600.00 until the matter can be resolved, we will be mailing you paperwork to fill out.
Bottom Line: Both my Bank and my Credit card seem willing to work towards resolving this issue, but I have trouble wrapping my head around the fact that my bank is unable to stop this sort of thing once I alert them to the situation. Is this correct, or is my bank just passing the buck, avoiding responsibility in the matter?
Thanks In advance!
Jack, Chicago Il.
Issue: My Credit card company keeps cashing the same paper check twice.
Details : I mail a check for $300.00, and I get the same check # clearing twice. I called my Bank, they verified this, and said that the Credit Card Company is presenting the transaction once as paper check, and once again as an electronic transaction. So... I call my card carrier and they say they've only drawn once each month. This has happened two months in a row.
My Request To My Bank: I want to request, both over the phone, and In writing that my card carrier is only authorized to draw once on each paper check. So... where can I mail this request?
Bank's Response: There is no address for that request, because we cannot stop this from occurring. You can stop payment on a check after you see it has cashed once, but that will cost you $26.00
Me To Bank: You mean to tell me that my credit card company can draw from the same paper check, as many times as they want, and you will oblige the transaction?
My Bank : Correct. For the two transactions in question, we can credit your account the $600, and start the dispute process. We will be mailing you paperwork to fill out.
My Credit Card Company : We have no record of us clearing the same check twice for two consecutive months, we do see record of the first draw but not the second. We are willing to credit your account the $600.00 until the matter can be resolved, we will be mailing you paperwork to fill out.
Bottom Line: Both my Bank and my Credit card seem willing to work towards resolving this issue, but I have trouble wrapping my head around the fact that my bank is unable to stop this sort of thing once I alert them to the situation. Is this correct, or is my bank just passing the buck, avoiding responsibility in the matter?
Thanks In advance!
Jack, Chicago Il.