Indiana-
Hello, I had a bank cashier checknissued to me in Nov3, 2017 for $5400. I was not aware of the check nor was I expecting it. I found this check on Dec17,2017 in the crevice inside my car. At first I assumed it was a fake or a scam, then I remember years ago I received a similar check from a different bank that was good and I was not expecting. So, I called bank and they confirmed it was good but couldn’t tell me why I got it. Still a little leery I stopped in and talked to a branch manager who also said he sees a record ifnitnbeinybissued to me but that was all he could see. He made a copy and was going to check and get back with me. Never heard from him and a week later I deposited into my bank with my checking account. No problem. A week later, I was informed the check had a stop payment on it. My bank was confused considering they said these checks are guaranteed and can’t be stopped.
I researched and found the same thing, although I am sure there is some hidden way to stop then. Nobody can tell em whybitnwas stopped itherbthen thatbthe stop date was 3 weeks after the ussueingbdate. Still no word on why I got it. I can assume it has to do with a mortgage I had with the bank that was paid off little prior to issue if check. I received a letter indicating mortgage was satisfied and paid in full. On the check itself. In the memo area, it says credit balance and my mortgage account number is listed. So, I can assume this is why I got the check. My bank where I deposited it isnunderstanding but bam still on the hook for $5400. They are trying to find out and they are giving to their attorneys to find out.
Anybody have any idea what is going on with this and why it would be stopped 3 weeks after ussueing? What I read I see they can not be cancelled. They can if lost or stolen but nothing shady is going on with this one.
Thank you
Hello, I had a bank cashier checknissued to me in Nov3, 2017 for $5400. I was not aware of the check nor was I expecting it. I found this check on Dec17,2017 in the crevice inside my car. At first I assumed it was a fake or a scam, then I remember years ago I received a similar check from a different bank that was good and I was not expecting. So, I called bank and they confirmed it was good but couldn’t tell me why I got it. Still a little leery I stopped in and talked to a branch manager who also said he sees a record ifnitnbeinybissued to me but that was all he could see. He made a copy and was going to check and get back with me. Never heard from him and a week later I deposited into my bank with my checking account. No problem. A week later, I was informed the check had a stop payment on it. My bank was confused considering they said these checks are guaranteed and can’t be stopped.
I researched and found the same thing, although I am sure there is some hidden way to stop then. Nobody can tell em whybitnwas stopped itherbthen thatbthe stop date was 3 weeks after the ussueingbdate. Still no word on why I got it. I can assume it has to do with a mortgage I had with the bank that was paid off little prior to issue if check. I received a letter indicating mortgage was satisfied and paid in full. On the check itself. In the memo area, it says credit balance and my mortgage account number is listed. So, I can assume this is why I got the check. My bank where I deposited it isnunderstanding but bam still on the hook for $5400. They are trying to find out and they are giving to their attorneys to find out.
Anybody have any idea what is going on with this and why it would be stopped 3 weeks after ussueing? What I read I see they can not be cancelled. They can if lost or stolen but nothing shady is going on with this one.
Thank you