I sent in a check to replenish my Escrow account and my mortgage company returned the check with instructions to write the check out to the company another way.
(I originally called to ask who to write the check out and they told me the wrong information. Not important.)
I wrote another check out and voided the original one. I mailed both checks with the correspondence regarding who to write the check out to. I did this in case the check arrived late so the company could see the whole story of why my check may potentially be late.
My new check was cashed in a timely manner. A few weeks later, the voided check was cashed. How can this happen?!?
- I immediately called USAA (My bank) and they told me they would replenish the funds within a week and open a dispute with the company who cashed the check
- I didn’t see the money. Called again and they said something was entered incorrectly and it would be replenished within a week. Didn’t happen
- Called a third time and now they are saying they cannot do anything and that I should call the police
This is extremely frustrating because now it has been a month and I would have started the process much earlier since we currently live paycheck to paycheck. Who is at fault here? I feel like it is both parties. Do I really need to get the police involved?