Expired checks- ATH refuses to reissue
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At least 10 years ago, I completed an assignment for ath that required me to open an account. After submitting the report, I was informed I would not be paid because the account I had opened was not an an approved list. I appealed, forwarding the scheduler's acceptance of my original application. The appeal was denied due to error by the scheduler. I then informed ath that their scheduler's mistake was not my concern and that if my pay were not forthcoming, I would seek the assistance of their client, of whom I was now a customer. I was immediately paid, not by their customarily mailed check but through PayPal. That action by me destroyed our relationship, but preserved my self-respect.
@jellybee wrote:
I found two expired checks the other day. I contacted ACL and they sent a replacement right away. The other company, ATH is telling me that the check is too old and they are refusing to reissue the payment. I checked their payment policy and it doesn't address this issue. The check is for $33.
How old are the checks?
I just googled this and found that some of the big banks will cash the checks for up to a year. Also if you are an employee the employer must turn the funds over to the state after a length of time. Each state has a different rule on how long funds can remain dormant before that happens. Unfortunately we are not employees and I could not find any info on independent contractors in this regard. However, I would check with banks you deal with if the check is under a year. Just make sure they will not charge you a fee if they will not accept it.
Once the dormant period for your state ends each state has a website where you can find unclaimed funds in your name and reclaim them.
Once the dormant period for your state ends each state has a website where you can find unclaimed funds in your name and reclaim them.
Abetter question...Since when has Ath been ethical?
@SoCalMama wrote:
I'd put it through the ATM.
Same. Banks tend not to honor older checks, but they can. If you get the deposit accepted, you have done nothing wrong.
Although, I would do mobile deposit so that I would still have the check.
Edited 1 time(s). Last edit at 01/16/2021 05:01AM by 1cent.
Going through an ATM, the check would be cashed, but the reconciliation may return the check due to the date.
"I told myself to quit you; but I don't listen to drunks." -Chris Stapleton
Regal sent me an expired check and I cashed it just fine.
Edited 1 time(s). Last edit at 01/16/2021 09:48AM by audrialyn30.
Edited 1 time(s). Last edit at 01/16/2021 09:48AM by audrialyn30.
@HonnyBrown wrote:
Going through an ATM, the check would be cashed, but the reconciliation may return the check due to the date.
Yes, and the check would likely be shredded. That's why I was thinking mobile deposit would be better.
I don't mean to be a fly in the ointment, but take responsibility for not cashing the checks in a timely manner. ATH sent the check, so it was up to you to deposit it in a timely fashion. Reissuing checks is not free. It costs more than people realize.
@Sandy Shopper wrote:
I don't mean to be a fly in the ointment, but take responsibility for not cashing the checks in a timely manner. ATH sent the check, so it was up to you to deposit it in a timely fashion. Reissuing checks is not free. It costs more than people realize.
Given that they know the status of the previous check, ath could avoid a stop payment fee. Ath could've asked them to return the original check and take a small deduction from the reissued check. They didn't offer anything.
It's not good to neglect checks. It's also not good for the company to keep the money. I can't imagine this happens often enough that they can't afford to be gracious about it.
As I found with a check that I didn't look at the date after which it was no longer good, do not put it through the ATM or use Mobile Deposit. I got hit with a returned check fee (I didn't dispute it because it was my fault for not being more careful). From working in Finance, after a certain point companies are required to escheat any checks that have not been cashed. It's highly likely that that is the situation here and the company no longer has possession of the funds. Nothing nefarious or unethical. We used to do it on an annual basis. You need to go to your state's unclaimed funds listing and request the monies that way. Who knows, you might find other monies that are owed to you that you have forgotten about!
Edited 1 time(s). Last edit at 01/17/2021 06:37AM by KarenMSW.
Edited 1 time(s). Last edit at 01/17/2021 06:37AM by KarenMSW.
@KarenMSW wrote:
As I found with a check that I didn't look at the date after which it was no longer good, do not put it through the ATM or use Mobile Deposit. I got hit with a returned check fee (I didn't dispute it because it was my fault for not being more careful).
Shouldn't that fee only be for when you bounce a check that you wrote?
@KarenMSW wrote:
From working in Finance, after a certain point companies are required to escheat any checks that have not been cashed. It's highly likely that that is the situation here and the company no longer has possession of the funds. We used to do it on an annual basis. You need to go to your state's unclaimed funds listing and request the monies that way.
Seems this would have been mentioned when the OP asked them if they could reissue a check.
Edited 1 time(s). Last edit at 01/21/2021 06:05AM by 1cent.
Years ago my son delivered flyers and found a stale-dated cheque from his employer. We asked to have another cheque and were denied, being told it was his fault he let the cheque get outdated.
With my son's permission (he was about 10 at the time) I sued the employer. To the court it was a no-brainer win. My son was owed the money and he had not received it. The employer had to pay up (plus the $20 fililng fee).
The bottom line was just because the cheque stale-dated, that didn't wipe out the debt.
With my son's permission (he was about 10 at the time) I sued the employer. To the court it was a no-brainer win. My son was owed the money and he had not received it. The employer had to pay up (plus the $20 fililng fee).
The bottom line was just because the cheque stale-dated, that didn't wipe out the debt.
@1cent
I have been charged a fee for depositing a cheque that bounced I didn't write the cheque.
I have been charged a fee for depositing a cheque that bounced I didn't write the cheque.
For me if a cheque is returned because it bounces or because the issuing bank refuses to honour it, it costs me $7.
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