A puzzler How could a check be returned stamped invalid routing number when it never got to the bank it was drawn on?
??? you deposit a check and it comes back because they claim invalid routing number? it is routed based on the number imprinted on the check.
ONLY THE BANK THAT THE ACCOUNT IS FROM CAN MAKE THAT DECISION... Unless there is a LIST of all the ROUTING NUMBERS that exist...and this check is NOT on the list...LIKE SOMEBODY PRINTED THEIR OWN BOGUS CHECK ON THE COMPUTER...AND DIDN'T EVEN COPY THE ROUTING NUMBER RIGHT????
Re: Re: A puzzler Check drawn on bank a was paid to bank b. I got a copy of the check from bank b stamped invalid routing number but the check never was presented to bank A for payment .
What part of ??? Didn't you get ? LOL On the other hand I can see the ??? cause like i said it's a A puzzler . LOL
Like George said, the routing number may be invalid on its face. This can happen if the check is bogus, or if the check printing company screwed up. If the routing number on the check doesn't exist in the database, the bank doesn't know where to send it for payment.
Sometimes a signature or some other kind of interference can obstruct the routing/account numbers and cause the check to not be processed properly by the machine that reads the checks. Often the check has to be pulled and a "new" account number manually attached to the bottom of the check so it can process. Could this possibly have happened, some kind of distortion of the account numbers on the bottom of the check by an exuberant signature that caused the routing number to be read inaccurately?
Re: Re: Re: A puzzler A routing number gets the check to the right bank. If it's invalid, it should be no surprise it didn't get to the right bank. Probably a new batch of checks and the check printer missed the routing number. Inform the check writer right away Brownie. He might be using these things all over town. Weird. .
: A puzzler If it's invalid, it should be no surprise it didn't get to the right bank. Butch .<><><><><><> It never got to any other bank period; right bank or wrong bank: It was never out of Bank Bs hands. Stay tuned the mystery deepens.
: A puzzler 1*If it's invalid, it should be no surprise it didn't get to the right bank. .Butch ====================== Check drawn on bank A was paid to bank B. 1*It didn't get to any bank other than bank B that I paid it to. That's the riddle I'm trying to solve! So who stamped invalid routing number on the check? Was it Bank An or was it bank B? Whose responsibility is it to stamp it as so? Bear with me folks this gets more intriguing as we go.
Re: : A puzzler Let's make sure we all understand what you are saying. You have a check drawn on Bank A. Bank A is the Bank whose name is on the check. It is Bank A's routing number that is presumably printed on the check. You deposit the check in Bank B. Bank B returns the check to you because the routing number displayed on the bottom of the check is invalid. In this case, Bank B would have read the routing number off the bottom of the check and found it to be unreadable or invalid. They would not know where to send it to for Bank B to pay. Bank A would have stamped it "invalid routing number" and returned it to you. This is by far the most likely scenario. Alternatively, and this is pure speculation on my part, Bank A may have determined that the routing number is invalid and looked up a routing number for the bank whose name is on the check. A large bank can have more than one routing number - the routing number simply gets it to where the check is processed. Bank B may have found that the routing number is for a different branch or area of the bank from what (branch) was indicated on the check. They take no chances and stamp it "invalid routing number" and send it back. I don't understand why you are so concerned about which bank stamped it "invalid routing number," unless you have reason to believe that the routing number is valid. Your beef should be with whoever handed you the check.
Re: : A puzzler 1*You have a check drawn on Bank A. 2*Bank A is the Bank whose name is on the check. 3*It is Bank A's routing number that is presumably printed on the check. 4*You deposit the check in Bank B. In this case, Bank B would have read the routing number off the bottom of the check and found it to be invalid. 5*Bank B would not know where to send it to for Bank A to pay. 6*Bank A would have stamped it "invalid routing number" and returned it to you. 7*This is by far the most likely scenario. I don't understand why you are so concerned about which bank stamped it "invalid routing number," unless 8**you have reason to believe that the routing number is valid. cannoda ================================================= 1*Bank A is where I have my checking account. 2*Right. 3*Correct. 4*I did not deposit the check in bank B. My Home Equity loan is with Bank B so I made a payment on it with a check from my bank A checking account. 5*In this case Bank B would know where bank A is since both have been located here 25 to 30 years and are only a block apart. 6*This is what I'm questioning How could bank A stamp it when bank B never presented it to Bank A for collection??????????? 7*I agree that's how it should work but for some reason it didn't go that way here. 8*I have reason to believe the copy sent to me is a forgery. Hence the need to know for sure who stamped it invalid routing number. I suspect it was Bank A Since it never got out of their hands after I gave the check to them.
Re: : A puzzler Bank B would have stamped it as invalid routing number if for whatever reason they couldn't determine Bank A. probably some $6/hr clerk mistyped a number, computer said invalid, didn't look into it any further.
Re: : A puzzler Now I understand. Its YOUR check. I agree with jenz - this is a clerk, machine or computer screwup - on the part of Bank B. Check the routing number on the check returned and compare it to the ones in your checkbook. Better yet, if you get your cancelled checks back or can view them online, compare it to a cancelled check. You could also go to your bank with the returned check and see what they have to say. You might want to have a face-to-face with someone in Bank B to avoid getting tagged with a late payment.
Re: Re: : A puzzler You will need to go to BOTH banks to see WHO MESSED UP...start with BANK A then proceed to BANK B... THEY MIGHT BLAME EACH OTHER...
Re: Re: : A puzzler Bank B would have stamped it as invalid routing number. jenz ============================== I agree! Here is the strange part: I went into bank B and picked up the original check way before they ever started processing it for payment. There is no invalid routing number stamped on the original check or other makings either. This check never got from bank B to bank A because I intercepted it before Bank B could present it to bank A for payment. A week or so after picking up the check I got a letter from bank B asking me to make good on the check. Attached to the letter was a copy of the check with invalid routing number stamped right in the middle of the front of the check. How is that possible when I have the original check without any such stamp?????????????
Re: Re: : A puzzler Attached to the letter was a copy of the check with invalid routing number stamped right in the middle of the front of the check. 1*How is that possible when I have the original check without any such stamp????????????? lbrown59 ================ 1*I see only one way to explain this. They would have had to have made a copy of the original check which isn't stamped just before I picked it up then stamped the photocopy and made a copy of their stamped copy and sent that to me. This has happened to me on 3 different occasions. This is why I won't make good on a photo copy of a check. It's to easy to fake forge alter or otherwise counterfeit photo copies. Show me the real original check or I don't pay!
Re: Re: Re: : A puzzler YOU HAVE MORE THAN YOUR SHARE OF CHECK PROBLEMS!!! You need to STOP using checks altogether... GET A BILL PAYING SERVICE FOR THE COMPANIES THAT WON'T BILL TO A CREDIT CARD AND WON'T ACCEPT A PAYMENT ON THEIR WEB SITE.
