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Reality Based Withdrawing Money Then Paying

July 10, 2015 11:16AM
I checked my bank account this morning, expecting to see a few payments in there. All the payments were in there, but my balance was a lot less than it should have been. In my account activity, it looks like Reality Based Group withdrew the amount of the payment, then credited back to my bank account - technically not paying me. It's all still "pending," so I'm going to wait until it all goes through the contact someone from the MSC, just in case it fixes itself somehow. Has this happened to anyone else? I always have some sort of pay from them each month and I haven't seen anything like it before.
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More About Payment
July 10, 2015 11:30AM
There is a message on the login page:

Shoppers: Please note that your June Direct Deposit payments are processing. You may notice a debit, followed by a credit on your bank account for a different amount than expected (if signed up for ACH Direct Deposit). You can expect the correct June payment amount to be deposited into your account Friday, June 10th.

Thanks!
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July 10, 2015 11:55AM
So what happens if your account is at zero and they debited $$$$........ Are you going to be charged an overdraft fee?
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July 10, 2015 01:05PM
Thanks so much!! I failed to see that this morning!
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July 10, 2015 01:49PM
I don't understand how a company can have access to your account and take money OUT. That should not be allowed, IMO. In is okay but out is not okay in my books.
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July 10, 2015 02:03PM
I was thinking the same thing Canuck. Even with some type of glitch, they shouldn't have that access. There has been a few times that I've been in a situation like Luckygirl said - the money going in is greater than the money in there. Luckily not this time. Im not sure what would happened with the overdraft fees, etc.
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July 10, 2015 06:21PM
I would have to double check this, but I think that when we signed up for direct deposit, the agreement also says they can direct debit. It's because in case they overpay they can re-claim their overpayment.

At my BANK what they did (debit then credit) would not be a problem because they post all credits before the post debits and they don't do it until the end of the night.

But at my CREDIT UNION, they post items in the order they come in and as they come in. So the debit would be charged against my account before the credit would be posted. Since I keep almost nothing in that account, the debit would almost certainly result in an overdraft. Granted it would be resolved after the credit. But that would not matter. I would still have an NSF.

My guess is that RBG posted the correcting debit before the incorrect credit because if they did it the other way around, then someone could see the deposit and withdraw it before RBG could get their money back.

Edited 1 time(s). Last edit at 07/10/2015 06:24PM by junk1958.
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July 11, 2015 11:54AM
Has anyone else received their payment? It's the day after they said they would and nothing for me.
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July 11, 2015 03:25PM
I had a payment and then a withdrawal of the same amount from Reality. However, the corrected amount was deposited right away. I find that they pay when they say they will, the correct amount that they say they will pay. Don't worry. You will get the corrected amount soon.

sail2sunset
Delray Beach FL
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July 13, 2015 02:55PM
It seems to me that a lot of shoppers are having payment problems with a lot of MSC or is it my imagination...
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