Getting Copies of Old CheckFree Checks
Kirk
How do I get a copy of a paid check that was sent via CheckFree?
--
Kirk
Experience is the best teacher...
But her pop quizzes can be mighty tough.
Bill Hartmann
Bill
Kirk
> Have you tried Checkfree?
>
>
>
I was rather hoping there was a system already set up rather than just
sending a free-form email.
Han Broekman
I do not know what kind of dispute you have. Your bank statement should
be sufficient proof that the payment was made. If that's not the case,
your bank should send you 'proof' that it was made. This can be a
written statement from them, but I would consider telephone
conversations properly recorded on paper with dates and names of
correspondent just as valid. However, for tax payments, I still like to
use my own checks.
The only problem I have had with Quicken online payments from Citibank
(performed via Checkfree), was that CompUSA declined to accept a
'check', although the payment was subtracted from my Citibank account,
and never credited back by CompUSA. This was not the first payment so
made, so that excuse didn't fly. It took a lot of back and forth, but
all ended well for me, and I never paid a cent interest. If something
like that would ever happen again, I would notify the merchant by
certified mail that all future payments are suspended until they have
cleared up their mess, that no interest will accrue while they
investigate, and that the account should be considered discontinued from
my end. I would of course fulfill all obligations for prior purchases
made, but while the investigation proceeds, interest charges will not be
accepted.
Of course for these strong statements you do have to be sure that you
are right. In my case all ended well, for me, and I now do not have a
CompUSA charge card anymore ... THEIR loss.
HTH
--
Best regards
Han Broekman
(Please answer to the newsgroup only, I will not answer email)
Bill Hartmann
Use the Inquire option on the payment.
I am not sure what the problem is, but in general let them handle it.
Bill
Bill Hartmann
by the right person.
I had a problem once where the check was delivered to a different
doctor office in a medical office building. They went along and cashed
it.
But as I said, that it was Checkfree is for. Let them take care of it.
Bill
Kevin A.
and processed by your bank. If your bank doesn't return your checks with
your statements, then they have it. Request a copy from them the same
way you would for one that you wrote by hand.
Hank Arnold
> That is only proof that a payment was made, not that it was received
> by the right person.
>
>
CheckFree to process payments). My cable company changed the mailing
address for my bills and I missed it. I got a statement with 2 month's
due saying I had not made the payment. I went to my credit union's on-
line statements and a transaction appeared there on the date specified.
After going around several times with the credit union ("It appears to
have been an ACH/electronic payment, so there is no cancelled check.")
and the cable company ("It had to have been a check, because we
don't/can't accept electronic payments."). I used the function on the
USPS web site to submit a problem report. CheckFree sent me an e-mail
telling me that the entry on my credit union account was the money being
transferred to CheckFree. Their check to the cable company had never
been cashed. They re-issued their check and it showed up on my next
statement.
I was surprised to find out that the transaction on my credit union
statement wasn't the check clearing, but just funds transferring to
CheckFree.... Customer service, though, was quick and good. as others
say, just send e-mail documenting the issue and they will usually
resolve it quickly...
--
Regards,
Hank Arnold
Bill Hartmann
wrote:
Not all Checkfree payments are processed that way.
Some are done by EFT. Other use EFT to transfer the funds to a trust
account. The check is drawn on the trust account. You can not tell the
different between those and the EFT payments unless there is problem
and you have to find out how they are made.
Bill
Kevin A.
> >>
> >>
> >CheckFree just prints the check and mails it. It's drawn on your account
> >and processed by your bank. If your bank doesn't return your checks with
> >your statements, then they have it. Request a copy from them the same
> >way you would for one that you wrote by hand.
>
>
> Not all Checkfree payments are processed that way.
>
> Some are done by EFT. Other use EFT to transfer the funds to a trust
> account. The check is drawn on the trust account. You can not tell the
> different between those and the EFT payments unless there is problem
> and you have to find out how they are made.
>
> Bill
>
>
not an EFT (which you can tell from the bank statement) that check will
have gone through your bank. If your checks don't come to you with your
statement, then the bank keeps it on file. I get all my checks back from
the bank with my statement (costs me $1/month). Of the 10 or so payments
made via Checkfree each month, at least 90% were actual checks 2 years
ago. Last month I got 1 check back. The rest were EFT. According to my
statement, directly from my account to the payee. The checks I get back
are always generic checks that just have my bank name (no branch
information), my name, address and billing account number, the payees
name and address, and across the bottom, my checking account number with
all the appropriate routing codes.
So if the payment in question was made by check, then his bank has it (I
assume he doesn't get his checks with his statements or the problem
wouldn't have come up). If it was made by EFT, then the payee
information would be available from Checkfree (Payee, account number
etc) plus the bank should be able to provide some matching information.
In both cases, as someone else said, an inquiry to Checkfree via Email
can't hurt, and would probably help. They've always answered my Emails
within a couple of days.
In the past I've also had problems where a couple of payees would get
the payment, but had trouble processing it. So it might take days to
actually get credited to my account.
Bill Hartmann
Somepayments are made by Checkfree printing and mailing a check on a
TRUST ACCOUNT. Then on the due date Checkfre uses EFT to transfer the
funds from you account to the trust account.
Thus the Payee receive a check, but your statement shows an EFT
transfer.
** YOUR BANK WILL NEVER SEE THE CHECK BECAUSE IT WAS NOT WRITTEN ON
YOUR BANK************************************************
Bill
On Mon, 22 Jan 2001 23:01:55 -0800, Kevin A. <Kal...@myrealbox.com>
wrote:
>In article <3a6c51d0...@news.birch.net>, Bill Hartmann says...
William W. Plummer
With CheckFree, I could highlight a check and execute and Inquire action.
But the same screen with the Quicken system shows only about 10 recent
transactions -- how do I ask about a check 2 months ago????
Related, how can I send an Email message to the check processing people
(CheckFree???). I have to pick a subject transaction when all I want is
information. Is that right?
Just what is the relationship between the Quicken check processing and
CheckFree?
Thanks. --Bill
"Kevin A." <Kal...@myrealbox.com> wrote in message
news:MPG.14d6cc3fb...@news.serv.net...
Bill Hartmann
<wplu...@mediaone.net> wrote:
>I switched from CheckFree to Quicken Banking (or whatever they call it).
>With CheckFree, I could highlight a check and execute and Inquire action.
>But the same screen with the Quicken system shows only about 10 recent
>transactions -- how do I ask about a check 2 months ago????
>
>Related, how can I send an Email message to the check processing people
>(CheckFree???). I have to pick a subject transaction when all I want is
>information. Is that right?
>
>Just what is the relationship between the Quicken check processing and
>CheckFree?
>
>Thanks. --Bill
Here are some contacts for "generic" questions.
Phone:
E-Mail:
Billing questions: pay...@checkfree.com
Technical questions: techs...@checkfree.com
Intuit bought out a NPC and used that as there base for Intuit Online
Services which provide Quicken PayOnline (if I remember the name
correctly). Intuit sold the service to Checkfree about 3 years ago.
So while it still use the Quicken name it is now a provided by
Checkfree.
Kevin A.
> AGAIN I WILL **REPEAT**
>
> Somepayments are made by Checkfree printing and mailing a check on a
> TRUST ACCOUNT. Then on the due date Checkfre uses EFT to transfer the
> funds from you account to the trust account.
>
> Thus the Payee receive a check, but your statement shows an EFT
> transfer.
>
> ** YOUR BANK WILL NEVER SEE THE CHECK BECAUSE IT WAS NOT WRITTEN ON
> YOUR BANK************************************************
>
> Bill
>
What would this EFT look like on my statement? I ask because (in my
case) my statement always shows transfers to specific payees. In all
cases after looking through several months worth, the EFT will show on
the statement as "ONLINE PMTAT&T LONG DIS XXXXXXXXX" with the spelling,
spacing and capitalization as shown. The X's are actually my Social
Security number. On ALL payments. The only exception is my mortgage
payment that is auto-drafted from my account. That has an actual account
number. I have always assumed that the name indicated a direct transfer,
but I do know what happens in an assumption. And why would they do some
one way and some the other? I get some checks back through my bank and
they are the only ones that show as checks on my statement.
When I have bothered to match dates of scheduled payments to the payees
date of posting, they are usually the scheduled date or at most one,
maybe two days later for EFTs, and that on rare occasions, never early
AFAICR. Checks do sometimes show up early. Which would indicate to me a
transfer, rather than a check mailed from out of state. No offense to
any postal employees hanging out here, but I find it hard to believe
that Checkfree could gauge transit time on out of state checks that
closely.
Now you've got me wondering. Two of my "EFT" recipients are small enough
that I can track down the person who would cash the check/credit my
account. I'll have to call and ask them what kind of payment they
receive. I have to admit that I was pretty amazed that my milkman gets
an EFT payment.
Bill Hartmann
The EFT to checks looks exactly the same on the bank statement as a
pure EFT transaction.
"MERCHANT XYZ ONLINEPAYMENT"
My bank changed systems early this year. They used to also show the SS
number.
I just checked an a payment that I made to a friend for some tickets
that she got me show an EFT transaction. But that was the first and
only payment to her and she is not in any kind of business where she
would be set to accept EFT payments.
My first Checkfree payment, in 1990, was to my city (350 homes) for
water. So I called then and went and looked at the check. It was one
drafted on the trust account.
Try sending your self a payment and it MIGHT be on the trust account.
If it is don't forget to cash it.
Normally most people will never know the difference between direct EFT
and EFT to trust account unless something goes wrong. I payment to a
doctor delivered to a different office in the same complex and that
other doctor went and cashed it, although I was not a patient (by the
way one at the bank normally checks payee's, dates, or signatures).
Of course Checkfree showed it as being paid and cashed. They ended up
faxing a copy fo the check to my doctor and then they found out what
happened. And the two doctors resolved it.
Bill
On Tue, 23 Jan 2001 22:42:37 -0800, Kevin A. <Kal...@myrealbox.com>
wrote:
>In article <3a6da51a...@news.birch.net>, Bill Hartmann says...
Kevin A.
> The EFT to checks looks exactly the same on the bank statement as a
> pure EFT transaction.
>
> "MERCHANT XYZ ONLINEPAYMENT"
>
> My bank changed systems early this year. They used to also show the SS
> number.
>
> I just checked an a payment that I made to a friend for some tickets
> that she got me show an EFT transaction. But that was the first and
> only payment to her and she is not in any kind of business where she
> would be set to accept EFT payments.
>
> My first Checkfree payment, in 1990, was to my city (350 homes) for
> water. So I called then and went and looked at the check. It was one
> drafted on the trust account.
>
> Try sending your self a payment and it MIGHT be on the trust account.
> If it is don't forget to cash it.
>
> Normally most people will never know the difference between direct EFT
> and EFT to trust account unless something goes wrong. I payment to a
> doctor delivered to a different office in the same complex and that
> other doctor went and cashed it, although I was not a patient (by the
> way one at the bank normally checks payee's, dates, or signatures).
>
> Of course Checkfree showed it as being paid and cashed. They ended up
> faxing a copy fo the check to my doctor and then they found out what
> happened. And the two doctors resolved it.
>
> Bill
Thanks for the info Bill. I'll have to see if I can tell which payments
are which type. It would be good to know in case of problems, since it
might affect the way I have to track a lost payment. I wonder what the
advantage is for CheckFree in using the Trust Account setup? There must
be one, because they're creating an extra step for themselves in the
payment process. Transfer money to the trust account, then write a
check, instead of just writing a check to my account. Plus in case of
questions, they have to provide a copy of the cancelled check instead of
having me get it from the bank, or having it included with my statement.
I suppose it does give them an advantage when it comes to tracking
payments and knowing what has cleared. But I guess as long as my bills
get paid that's the main thing.
Thanks again,
Kevin