I recently made the mistake of bouncing a check. The company resubmitted the check for payment and it went through. Today I looked at my account online and saw that the company had submitted a "check" for twenty five dollars. This "check" was not a check written by me but a check with my name and the check number of the original check that bounced and the comnpany's name. I never authorized the check for twenty five dolars, is this legal?
2006-12-06 14:59:07 · 8 answers · asked by Lachelle 3 in Business & Finance ➔ Credit
The twenty five dollar check is for the charge for the store to resubmit your bounced check. yes it is legal.
2006-12-06 15:11:46 · answer #1 · answered by Anonymous · 0⤊ 0⤋
What was the amount of the original check? Do you have an image of the second check? If you did not write the second check and you can see that it is not your check then, yes, this may be some kind of illegal act. Contact your bank immediately by telephone and let them know.
2006-12-06 23:08:01 · answer #2 · answered by dazed&confused 3 · 0⤊ 0⤋
yep it is - even if they sent it through a second time and it cleared you still presented a bad check and it is subject to a 25.00 bad check fee. I betthey charged it to you and it is a EFT( an Electronic funds transfer which is what checks are converted too these days which elminates teh check having to fly all over hte country and instead be processed like an atm withdrawl ) allperfectly legal because NO MATTER WHAT YOU WROTE TEHMA HOT CHECK- THEY COULD PROSECUTE YOU. INSTEAD THEY JUST CHARGED YOUA N EXTRA 25 BUCKS- THE BANK WILL PROBLALBY CHARGE YOU THEIR FEE AS WELL.
2006-12-06 23:06:47 · answer #3 · answered by allamericanred2 3 · 0⤊ 0⤋
In these days of electronic banking it seems to be the way that companies are looking to recoup the charges they get charge by their banks for bad checks.
Unfortunately you get hit twice - once by your bank for bouncing the check, and once by the company you paid for their bank charges.
2006-12-06 23:04:02 · answer #4 · answered by Eyebee 3 · 0⤊ 0⤋
25 dollars is the average charge for a returned check yes it's legal
2006-12-06 23:11:44 · answer #5 · answered by reefer 2 · 0⤊ 0⤋
Sounds like the charge the bank would expect you to pay. Call the bank and see.
2006-12-06 23:07:35 · answer #6 · answered by Sweetharttt 7 · 0⤊ 0⤋
Is perfectly ok, to present the check two times. But if you don't have knowledge of it, then you should dispute with your bank.
2006-12-06 23:36:34 · answer #7 · answered by ism 2 · 0⤊ 0⤋
You sure that was not just a NSF change.
2006-12-06 23:02:48 · answer #8 · answered by Anonymous · 0⤊ 0⤋