nvm

[FelixDeCat]

 

[chimaxi83]

I currently see payments. The ones you send in (if you do anything manually) usually have these problems:

1) You forgot to sign the check.

2) You dont have your account # on the check / money order.

3) Your check is post dated.

4) Your loan payoff check is not properly endorsed to us ON BOTH SIDES!!!

5) Your insurance check is not properly endorsed.

6) Your payment is partially blank, incomplete, legal doesnt match $ amt written, or is in any way illegible.

7) Your check was damaged by the postal service, our letter openers or some other party and now the MICR line is not readable. If those printed numbers on the bottom of the check are in ANY WAY disturbed, cut / taped, faded, worn, torn, etc, WE WONT TAKE IT.

8) Not correctly written as payable to us. This is very important.

Any of the above means you get that puppy back and no credit for your payment. You also win some late charges and maybe dinged credit rating.

Use Bill Pay? .....

When you set up your 3rd party bill pay (Chase, TD Bank, etc), you were not told that it could be administered by a "fourth" party. Guess what? We still get paper checks, not electronic debits/credits in lots of cases.

On those checks will be your name / address and what you designate as an account number. But what you did wrong was somehow got that check payable to a "nickname".

Unless that check is made payable to us we wont take it. Whatever stupid nickname you used will show up on that check as the payee; and if thats the case see above for what happens.

Go in and change all your nicknames to the actual company name. Also make sure your check is going to the right place / company. If you get anything back, find out why and fix it.

If you are brave enough to send in a paper check / money order / payoff or insurance check, send it FedEx. And make sure its properly endorsed on BOTH sides with your CURRENT address (has to match our records or we WONT find you), not post dated, and has your account number.

Make a Youtube video of this so I can flag it.

 

[FelixDeCat]

Make a Youtube video of this so I can flag it.

Im still making a youtube video. Its about your mom sending in a payment.

 

[Merad]

I used to work for Fiserv (formerly Checkfree) which is the "4th party" that provides bill pay for the overwhelming majority of banks and other sites. It can be hilarious just how many customers have no idea how their bill pay actually works. Also hilarious was how derpy their payment systems actually are.

 

[Lifted]

Been paying my bills online via my bank (free checks, envelopes, stamps) for 15 - FIFFFF TEEN - years and not a single issue.

Guess I've been lucky. :whiste:

 

[Humpy]

If you are brave enough to send in a paper check / money order / payoff or insurance check, send it FedEx. And make sure its properly endorsed on BOTH sides with your CURRENT address (has to match our records or we WONT find you), not post dated, and has your account number.

What do you mean endorsed on both sides? Why would I do that?

 

[Markbnj]

So OP is a human check validating machine?

 

[FelixDeCat]

What do you mean endorsed on both sides? Why would I do that?

Some loan refinance / PAYOFF checks require the front and back to be endorsed, especially if YOU are one of listed PAYEES. There is a big paragraph on the back of check nobody bothers to read with the a bolded "CUSTOMER TO SIGN HERE" on the back (usually Navy Federal checks). Those get sent back if not endorsed properly, with no credit given and increased interest fees waiting when we get it back.

I used to work for Fiserv (formerly Checkfree) which is the "4th party" that provides bill pay for the overwhelming majority of banks and other sites. It can be hilarious just how many customers have no idea how their bill pay actually works. Also hilarious was how derpy their payment systems actually are.

Exactly.

So OP is a human check validating machine?

OP cares about his fellow human beings.

 

[BUTCH1]

So OP is a human check validating machine?

Oh the humanity!...

 

[dawp]

you endorse check written to you, you do not endorse checks you write to others, you sign on the line provided on the front. I don't consider that to be endorsing.

 

[Thump553]

Been paying my bills online via my bank (free checks, envelopes, stamps) for 15 - FIFFFF TEEN - years and not a single issue.

Guess I've been lucky. :whiste:

Ditto, maybe even longer for me. Not going to give it a second of worry until I do get a complaint. Between my business and personal checking accounts I actually write maybe two dozen paper checks a year (and half of those are to my business landlord, who is old fashioned).

 

[highland145]

usually have these problems

Yes, you have problems. So sorry.

 

[Blackjack200]

Some loan refinance / PAYOFF checks require the front and back to be endorsed, especially if YOU are one of listed PAYEES. There is a big paragraph on the back of check nobody bothers to read with the a bolded "CUSTOMER TO SIGN HERE" on the back (usually Navy Federal checks). Those get sent back if not endorsed properly, with no credit given and increased interest fees waiting when we get it back.

What? Are you talking about the check or the coupon? The back of my checks just say "Endorse Here" (Which is something the payee does) and lists the security features.

If I write you a check, I am not the payee, I am the payer.