Wheres my rent check!?! Updated Daily!

[EagleKeeper]

What's more likely:

A: Bank failed to account for a deposit.
B: Wife cashed check.

Option A will not work. The teller/ATM will not balance out and someone stays at it until error is found and corrected.

 

[EagleKeeper]

haha!

update 3/9 6pm

Still no response from citi about their investigation. I guess its a little harder then they thought

No tracking stamps indicates paper did not go through the Fed Reserve. So LL bank made a paper transfer(LL bank made a deposit into yours) directly to yours. That does not help much. Your bank has to identify all charges for $2500 and see where they came from via tracking numbers. They have to look for the images associated with every check. Process of elimination locates the inbound transaction. Then it should point to the LL bank. Now LL bank has a reference number to check deposits processed that were included in that batch deposited in OP bank.
Now run thru the same process in reverse. Find transaction of that amount, track paperwork and images. Image located, what ATM/teller tagged with image. Now pull this record and find where money was deposited.

If LL account, fraud or at least charge for time wasted. Maybe closed accounts? Banks options?
If another account, debit wrong account and credit LL account.

The places that a person could have entered an account # wrong or a machine vision misread the account are where to focus.

Both ends of investigation should be started. Both start by tracking down the transaction done for the day that the item was in theif hands.

I do not know how a mobile app works for deposits, take a picture and let OCR determine account for deposit or when signing onto a bank account will then link up with the deposit and transmitted image from phone. What happens to the paper, stuff into an overnight slot or ATM. Is image of front and back then printed out or do they wait for actual check to arrive in facility. In meantime the bank has fowarded a pure electronic item request to payer bank.

I do not know how the mobile deposit processing is done and what safety checks exist.

 

[brianmanahan]

this is what happens when you give a woman a check!

 

[Jeff7]

I honestly don't think he has the money. Because he is going down the path of bank and mail fraud. You would think that once he knows the jig is up he'd just say oops it's in my account now, sorry. However he is continuing down this path which makes me think he really doesnt have the money.

He may be a dbag but I don't think he's a scammer. He is one of those wall street investment bankers though so who knows.
...

He could just be stupid, too.

 

[Lifted]

Are you have these conversations with him via phone or email? If over the phone, I hope you're recording them.

Hope everything works out for you.

 

[Q]

Interesting thread here, GL OP!

 

[EagleKeeper]

Interesting thread here, GL OP!

OP is fully covered from harm. He is ?helping? LL find $$ went

 

[EagleKeeper]

.Dp

 

[RocksteadyDotNet]

you fly your ignorance flag high and proud don't you.

Well you're showing your ignorance about other countrys.

This isnt America. We stopped using cheques 20 years ago. Nobody I work with has a cheque book.

Neither does my mother or father. My sister is married with kids any they don't have a cheque book.

Nobody uses cheques! They're archaic. Just look at the issue the OP is happening.

I deposit my rent into my straight into land lords bank account. This problem with missing rent would never, ever happen.

 

[RocksteadyDotNet]

And to the OP.

There so totally something dodge happening here. I'll give ya 2-1 odds the wife has cashed the cheque.

Or the landlord needs a small bridge-loan and thought he could get a nice months rent advance from you by saying he never got the cheque.

 

[TangoJuliet]

Are you have these conversations with him via phone or email? If over the phone, I hope you're recording them.

Hope everything works out for you.

With all the issues I ha previously with this guy I have stopped communicating by phone and strictly been using email and text. I need to have proof of everything if we want to break the lease.

All of these messages have been recorded by using iMessage. I been using it on my Mac and it saves everything. Plus it's also stored on my phone as a conversation.

 

[Exterous]

Are you have these conversations with him via phone or email? If over the phone, I hope you're recording them.

Isn't it illegal to record someone in a private setting without their knowledge or something?

 

[alkemyst]

Well you're showing your ignorance about other countrys.

This isnt America. We stopped using cheques 20 years ago. Nobody I work with has a cheque book.

Neither does my mother or father. My sister is married with kids any they don't have a cheque book.

Nobody uses cheques! They're archaic. Just look at the issue the OP is happening.

I deposit my rent into my straight into land lords bank account. This problem with missing rent would never, ever happen.

you have sheep though. everyone is confused there.

 

[mcveigh]

Isn't it illegal to record someone in a private setting without their knowledge or something?

depends on state and local laws.

I think LL's wife is pulling something shady

 

[Lifted]

Isn't it illegal to record someone in a private setting without their knowledge or something?

Not in NY. I'm pretty sure > 90% of states only require 1 party in a conversation to be aware that it is being recorded. This is to keep 3rd parties from recording.

I do know if you're in IL and the other party is a cop, you're fucked.

 

[OlafSicky]

what are you renting for $2500 a month?

 

[x-alki]

OP, are you the only one renting from the LL? If not I'd check with other tenants and see if they hare having the same problems.

 

[TangoJuliet]

OP, are you the only one renting from the LL? If not I'd check with other tenants and see if they hare having the same problems.

No, we are the only ones renting from these people.

 

[TangoJuliet]

Update 3/10

Got this message from citi this morning

 

[Dr. Zaus]

Was the conversation in email? If so that's awesome because you have them on intentionally defrauding you and no judge is going to hold you to a lease when the land-lord is admits to trying to steal from you.

 

[TangoJuliet]

Was the conversation in email? If so that's awesome because you have them on intentionally defrauding you and no judge is going to hold you to a lease when the land-lord is admits to trying to steal from you.

All of our communications have been recorded either through email or text/iMessage (iPhone). I made sure to document every single thing that has gone wrong with this rental.

 

[Gibson486]

Update 3/10

Got this message from citi this morning

The only issue with that is it never states who received the money (just the bank the did)....just playing the worst that could go wrong card...but, yeah, sucks that the land lord may be trying to pull a fast one.

 

[TangoJuliet]

The only issue with that is it never states who received the money (just the bank the did)....just playing the worst that could go wrong card...but, yeah, sucks that the land lord may be trying to pull a fast one.

I replied to the email asking if I could get some more information like what branch was it deposited at, what account number was it deposited into, etc.

This letter, along with the check image are just to prove that we paid the rent. If I can obtain any more information it'll help prove if the LL actually has the money or not. If he does indeed have the money then he knowingly tried to defraud me and there are going to be serious consequences.

 

[silverpig]

I replied to the email asking if I could get some more information like what branch was it deposited at, what account number was it deposited into, etc.

This letter, along with the check image are just to prove that we paid the rent. If I can obtain any more information it'll help prove if the LL actually has the money or not. If he does indeed have the money then he knowingly tried to defraud me and there are going to be serious consequences.

You should be in the clear 100%, aside from the headache of having to deal with this.

You have the cheque image. You have a bank letter saying the money was taken from your account and sent to another bank. You have him admitting that his wife received the cheque, signed it, and put their account number on the back.

My bet is that the wife is pissed off at the husband, cashed the cheque and blew it on something for herself. She might even be leaving him.

 

[unokitty]

Looks like New York is a one party state regarding the recording of phone calls.

OP, I think that you have been more that patient with this matter. If it were me, I'd be tempted to get the police involved. I would at least make a call to a non emergency number talk to a desk sergeant for advice. Normally, they will let you make an incident report without necessary openning a case.

In the same way, if you have access to an Criminal Law Attorney or someone else involved in LE, I would want to know what I could do to get the police involved.

You have evidence that the person that you are dealing with has lied to you. I don't know if I would trust anything else that they said.

In this situation, I would be concerned about protecting myself. It sounds like you have collected a lot of information. But you don't know how much of it could be admitted as evidence in a court case.

Best of luck!
Uno