Unfortunately, though it may not seem possible, this is a true story. We have a customer who has been receiving regular deposits(ACH credits) to her personal account for a couple of years and she says she didn't know it until just recently. We also have a merchant who should have been receiving those deposits to their account and they didn't complain about it. The deposits were credit card settlement credits. Now, since the personal account customer had NSF problems(even with the extra deposits), she has(with our help) become aware of all of the extra deposits and is just speechless. The credit card company has apparently told the merchant where their money went and they want it back. And of course, the credit card company thinks they are blameless.
So who owes the merchant? Does the credit card company owe the merchant and they then make claim against the personal customer? Or(as I suspect), the bank pays and then trys to get the money back from the personal customer? Obviously, neither customer was diligent in reviewing their account statements and reporting problems. Can we push a resolution between the two customers without having to play payor and collector?
Thanks(especially) if you can keep us out of the middle.
Walla Walla, WA