Wheres my rent check!?! Updated Daily!

[TangoJuliet]

After I got this email from citibank I replied asking them for more information such as what account number did the check get deposited into. What time was it deposited and if it was deposited at a branch then the address of that branch.

This is their response

Not much help there.

 

[Ketchup]

I understand you work "shift work" but this is not a whenever case. You need to pop over to your bank. This is kind of important. You may be able to get more information on where the check was deposited, but your best bet is in person. Giving other people's account information over the phone is not something that is normally done, at least I hope not.

 

[Brainonska511]

Why don't you just make things easier by just using Bill Pay? Most banks offer it for free as long as you have direct deposit with them. With Bill Pay you send your payment online and your bank will guarantee that it will be received by the payee. Since using Bill Pay is a service provided by your bank, they will also take care of any issues or any fees that may result from the payment not getting to its payee. That means that rather than you running around trying to do this and that, you just simply notify your bank by phone and they will take care of it for you. Unlike using checks (which are being phased out) Bill Pay is actually a safe way to pay without having to worry about your money or any important data being lost.

And for people that don't have electronic payments setup (such as a small time landlord), the bank just mails a check. So this solves the problem how?

 

[Jeffg010]

I'm still mind boggled that the OP was paying 2500 a month for all this BS. I know it says he is from New York but the OP even states that he drives 1 an hour to work so I can't believe he could have found something better and cheaper.

OP I know you have rage for your LL but man up. You and him and need to go to your bank and end all this.

 

[TangoJuliet]

I'm still mind boggled that the OP was paying 2500 a month for all this BS. I know it says he is from New York but the OP even states that he drives 1 an hour to work so I can't believe he could have found something better and cheaper.

OP I know you have rage for your LL but man up. You and him and need to go to your bank and end all this.

The rent gets more expensive and the property gets smaller the closer you get towards NYC. I just got a job promotion so I'll only be traveling 15 minutes to work starting in April. My wife works a couple miles from this house so its perfect for her.

I may take an hour off of work at the end of my shift today to stop into the bank. I once again take one in the nuts to help this guy. This time I am going to request some sort of compensation for my time being wasted.

 

[slayer202]

This thread is such a guilty pleasure for me...I just can't resist coming back...

 

[sonambulo]

Your landlord is AIDS. Fuck him and the horse he rode in on.

That is all.

 

[Jeffg010]

The rent gets more expensive and the property gets smaller the closer you get towards NYC. I just got a job promotion so I'll only be traveling 15 minutes to work starting in April. My wife works a couple miles from this house so its perfect for her.

I may take an hour off of work at the end of my shift today to stop into the bank. I once again take one in the nuts to help this guy. This time I am going to request some sort of compensation for my time being wasted.

LOL you just can't let this go can you? You going to ask the LL for compensation? Make sure you have a camera set up when you ask him ok.

 

[Dr. Zaus]

Your landlord is AIDS. Fuck him and the horse he rode in on.

That is all.

If the first sentence is true please refrain from doing what is suggested in the second sentence.

 

[EagleKeeper]

And for people that don't have electronic payments setup (such as a small time landlord), the bank just mails a check. So this solves the problem how?

Your bank will send a check.

You are clear of the responsibility.
If the check does not arrive, your bank takes care of the headaches.

 

[SpatiallyAware]

Your bank will send a check.

You are clear of the responsibility.
If the check does not arrive, your bank takes care of the headaches.

This really isn't true. I'm a landlord and have had something similar happen, and legally if I never received the check it's on the tenant - period. This is why cert mail is important in these situations, to prove the landlord received it.

The OP's situation is different between the landlord acknowledged receipt.


If you have a sketchy landlord then send certified mail 5-6 days early every month.

 

[EagleKeeper]

Tango - unsure if you have addressed these, I think so, so bear with me.

1. Chase has acknowledged that they processed the check
2. Chase has stated that they know what account the check was deposited in
3. Has Chase indicated that the deposited account is not what is on the check?
4. Has Chase indicated that the last name and/or address on the account belongs to the LL?

Once item #2 is confirmed; the LL should have been able to get #3 and #4 from Chase .

Chase should be able to provide you a Yes/No on #3.

• If Yes, that is then between Chase and the LL for Chase accepting and processing the check incorrectly based on the account # on the back of the check.
• If No; LL got the funds into his account - case closed

I do not think Chase will release #4 information to you without the LL being there (authorization to release personal info) Again that is between Chase and the LL.

LL may be stating that Chase wants you there because it is your check and your funds that were "mis-handled"



Previously, HSBC was tossed into the mix - where did that happen?
You have account with Citi
LL has account with Chase

 

[EagleKeeper]

Your bank will send a check.

You are clear of the responsibility.
If the check does not arrive, your bank takes care of the headaches.

This really isn't true. I'm a landlord and have had something similar happen, and legally if I never received the check it's on the tenant - period. This is why cert mail is important in these situations, to prove the landlord received it.

The OP's situation is different between the landlord acknowledged receipt.


If you have a sketchy landlord then send certified mail 5-6 days early every month.

If you use BillPay, the bank has taken the funds out of the account on the specified date. They then cut their own check and mail it if it can not go electronic.

If the check does not arrive, they will cancel the check and reissue - no extra charges to the account. If there are fees to the original account holder; most times, the bank will cover those also.

Any dispute over the processing of the funds (as in this case); it is the bank that the check was drawn on and the bank that will coordinate the research. The account has already been debited.

 

[Schfifty Five]

So you mail one check and have an issue, so you want to mail another one? My question is why are you using checks in the first place? If this check is lost in the mail, your account number is on there not to mention other possible data. Of course the only way for a bank to help you in the case of a lost account number is to close the account and opening a new one. You can place a stop payment, but do you really want to pay a $30 fee for that?

Why don't you just make things easier by just using Bill Pay? Most banks offer it for free as long as you have direct deposit with them. With Bill Pay you send your payment online and your bank will guarantee that it will be received by the payee. Since using Bill Pay is a service provided by your bank, they will also take care of any issues or any fees that may result from the payment not getting to its payee. That means that rather than you running around trying to do this and that, you just simply notify your bank by phone and they will take care of it for you. Unlike using checks (which are being phased out) Bill Pay is actually a safe way to pay without having to worry about your money or any important data being lost.

Bro, just read the thread. It's obvious you read the first post and then replied.

You're missing the point of what's going on. Go back to lurking.

 

[xBiffx]

As soon as the LL signature and acct number ended up on the back of the check its the end of the story for TJ. Its the LL problem now.

/thread

 

[TangoJuliet]

Tango - unsure if you have addressed these, I think so, so bear with me.

1. Chase has acknowledged that they processed the check
2. Chase has stated that they know what account the check was deposited in
3. Has Chase indicated that the deposited account is not what is on the check?
4. Has Chase indicated that the last name and/or address on the account belongs to the LL?

Once item #2 is confirmed; the LL should have been able to get #3 and #4 from Chase .

Chase should be able to provide you a Yes/No on #3.

• If Yes, that is then between Chase and the LL for Chase accepting and processing the check incorrectly based on the account # on the back of the check.
• If No; LL got the funds into his account - case closed

I do not think Chase will release #4 information to you without the LL being there (authorization to release personal info) Again that is between Chase and the LL.

LL may be stating that Chase wants you there because it is your check and your funds that were "mis-handled"



Previously, HSBC was tossed into the mix - where did that happen?
You have account with Citi
LL has account with Chase

Thanks for the thorough reply. Let me see if I can answer it all

There are 3 banks involved: my bank (citibank), his bank (HSBC) and the bank that took deposit of the check (Chase) which is neither of ours.

#1-4 Since Chase isn't either of our banks we cannot get any account information as to where it was deposited. All I can get from Citibank is that they were the bank where the funds were deposited to.

There is a major update coming....I have to scan all the documents and edit out the personal information. Get your popcorn ready

 

[xBiffx]

There is a major update coming....I have to scan all the documents and edit out the personal information. Get your popcorn ready

 

[Krazy4Real]

Thanks for the thorough reply. Let me see if I can answer it all

There are 3 banks involved: my bank (citibank), his bank (HSBC) and the bank that took deposit of the check (Chase) which is neither of ours.

#1-4 Since Chase isn't either of our banks we cannot get any account information as to where it was deposited. All I can get from Citibank is that they were the bank where the funds were deposited to.

There is a major update coming....I have to scan all the documents and edit out the personal information. Get your popcorn ready

gets lawnchair
gets popcorn

 

[SpatiallyAware]

My bet... Chase account is in his wife's name.

 

[alkemyst]

OP, you realize how complicated you are making this simple task?

It's as if you are trying to make it as difficult as possible, which doesn't make sense when you say you lack the time to just go into the branch.

You bank should have been able to tell you exactly where your check 'cleared' from and to whom.

 

[TangoJuliet]

I'll post this here first and then I'll update the main page.

I called the Citibank fraud number today and explained my situation. Once again they said told me that they have no reason to believe that the check was not deposited into the account that is on the back of the check. The rep said that legally they are not allowed to give me the account number at Chase where the check was deposited since I am not the account owner.

I took some time off of work today and went down to the branch. I spoke with the branch manager there. He pulled up my account and told me the same exact thing. There is no reason to believe that the money was not deposited into his account. If there was an error and the monies were deposited into an account that did not match on the back of the check then those monies would have been credited back to my account by now. He printed out copies of this check and the previous month and both signatures match and have the same exact account number.

The branch manager was getting upset that I was being put into this situation. The branch manager agreed with some AT posters here that I sent him the check, he admitted to having possession of it, he signed it and put his account number on it. After that point it is not my obligation. He gave me his business card and asked the LL to call him personally.

Next stop, the police station. I talked to an officer and asked if I could fill out a report. I explained to him the situation. The officer said we cannot fill out any paperwork because a crime has not been committed between myself and the LL. He said my bank has no reason to believe that the funds are not in his account. Now, if the check was lost or stolen while the LL has possession of it and someone other then himself cashed it then a crime was committed. The officer asked me to speak with the LL and have the both of us come down to fill out paperwork if that is the case. If it turns out that the LL is trying to defraud me then there will be serious consequences by him filling out said paperwork.

As I type this the LL sends me this message

Joe my friend at Citi was able to help me as much as possible. She gave me a form called a affidavit of forgery. It needs to be filled out, signed, notarized and a description of what occurred written in. Would you like me to fill out the entire thing and just have you sign it? I am also a notary, so I could notarize it, if you prefer or you could bring it someplace.

 

[Krazy4Real]

:O

You can read the future! :awe:

LOL! :awe:

 

[Ns1]

thread continuously delivers.

 

[alkemyst]

Chase should have been able to give you the account number where it was deposited. It also should end up printed on the check.

There still could be a clerical issue with the landlord's bank. Until that has been verified you have no fraud case.

It's a wonderful story I suppose, tons are hanging on your every word.

 

[GuitarDaddy]

Oh goodie! Lets start a pool regarding who the Chase account belongs too.

My money is on the LL's wife's boy friend or drug dealer or BF/drug dealer :hmm: