$100 NSF fee because of missing digit in online checknig account number?

[lnsykalski]

Originally Posted by Jenkay

So you'd be pissed at the shipper for sending something to the wrong address that YOU gave them???

I'm not sure what you mean. When verifying a credit card they check the billing address (in addition to other things) to check the identity and confirm that the payment can be processed. That was what I was aiming toward comparing.

Although to answer your question, I would be upset at a shipper if I gave them one address and they shipped it elsewhere. They should be liable for any problems with the packages or to find out what happened to it.

[jtvaj125]

There is no way to instantly verify if your information is correct when using an e-check. It gets submitted to ACH and it gets cleared there within a day or two. For Paypal you have to verify your information before hand and that's why they can verify your information during each transaction.

Also, technically if you entered your banking information incorrectly it wouldn't return a NSF. It would be a No Account or Invalid Routing/Account error but you will still be accessed the dishonored check processing fee at your bank. Your property management company may have access their own fee for the bounced payment, which in this case is the $100.

[Lacerta]

It is probably an automated system. That being the case, the NSF is probably because it DID check and found out that the name and account number didn't match, or it was a bad account number altogether, so funds weren't available. It doesn't necessarily mean that there wasn't enough in the account, just that funds were not available through the method of payment you provided. That would be your fault, not the fault of the landlord, the system or the bank. It is your responsibility to double check the account number you enter into any payment engine before hitting the "submit" button. "Fat fingers" or a button that didn't get pushed hard enough to register are absolutely no excuse.

Whether the $100 fee is legal sounds like a different issue. I didn't read the links, but if your state only allows $30 for a bounced check, I would contest the fee amount, but not their right to collect a fee.

And yes, if this was your fault, and it wasn't paid, it would also be right for them to charge late fees if allowed by law and lease. It is your responsibility to ensure that payment was made correctly. You did good to log back in to see if you had a $0 balance.