Payroll deposited my check into the wrong account

[JMeeks]

I told payroll to change accounts ( I have email proof) they did not change accounts and they deposited my check into an account that was overdrawn. What can I do to get my money back?

 

[Zigner]

I told payroll to change accounts ( I have email proof) they did not change accounts and they deposited my check into an account that was overdrawn. What can I do to get my money back?

What do you mean "get my money back"? You got your money and it was used to pay your overdrawn account.

 

[justalayman]

So you’re upset because the bank you owed money to got paid when you didn’t intend on paying them?


You were asked to provide the name of your state. You apparently deleted that query. It is not asked for no reason.


How long before the payday involved did you give them notice to change accounts?

 

[JMeeks]

I never got the notice to name my state. MS. I gave them two weeks to change it. I notified them on January 11th, and the payroll didn't go out until yesterday.

Yes, I am upset that they didn't do their job and send the money to the proper account. Period. I have drafts scheduled to come out of the account and no check there. Yes, I had a payment plan in place with the overdrawn bank. They were getting their money too. Now, because of their error, (she was not authorized to deposit into that account once I informed her of the change) not only am I short on funds (which I have budgeted down to the penny) I will face overdraft charges because she didn't send money where she was supposed to.

 

[JMeeks]

So, even though she was negligent and potentially broke her fiduciary duty to me, which caused me damage, I have no recourse?

 

[PayrollHRGuy]

To my knowledge, there is no law in MS requiring that they change DD instructions in any given time frame.

In fact, there are laws and banking regulations that all changes must be given to the employer in certain forms and email isn't one of them.

 

[JMeeks]

Neither HR nor the payroll lady informed me of the proper formatting. They were both more aware than I of the need. E-mails were sent to both places and I received confirmation that they would change from the payroll lady. I understand that I'm probably out of luck here, but I am angry that someone gets to not do their job properly, cause me damage, and get away with it.

 

[JMeeks]

When I say I gave them two weeks, I mean that they had two weeks to make the change request before the current payroll went out.

 

[Ohiogal]

Neither HR nor the payroll lady informed me of the proper formatting. They were both more aware than I of the need. E-mails were sent to both places and I received confirmation that they would change from the payroll lady. I understand that I'm probably out of luck here, but I am angry that someone gets to not do their job properly, cause me damage, and get away with it.

How do you believe they had a fiduciary duty to you? They didn't. Furthermore, YOU caused yourself damage by overdrawing an account in the first place.

 

[justalayman]

When I say I gave them two weeks, I mean that they had two weeks to make the change request before the current payroll went out.

In some companies, especially depending on the precise timing, that is not enough time



Here’s what you do

Go to the bank with the overdrawn account. Tell them of the issue. Explain to them that you had entered into an agreement regarding paying your deficit their and ask them to disburse to you any funds in excess of the currently owed agreed upon amount.

 

[JMeeks]

Actually, even if the account was at a zero balance she did not deposit the check into the right account.

Had she done her job, my check would be where it should be and it would be the full amount.

The new account has payments scheduled and no check deposited there. Her one job for me was to switch the accounts.

She had two weeks to do so and I know for a fact she can do it in less than half an hour because she did it yesterday, after it was too late.

Now because of her negligence at her job, I have damages. Had she sent the check to the proper place there would be no issue what-so-ever.

The main issue is that she sent my check into an account that she was not authorized to send it to and that mistake cost me more than just an overdrawn balance, it will cause me late fees from the scheduled payments on the account she was supposed to send to, and possible overdraft charges there too.

 

[JMeeks]

In some companies, especially depending on the precise timing, that is not enough time



Here’s what you do

Go to the bank with the overdrawn account. Tell them of the issue. Explain to them that you had entered into an agreement regarding paying your deficit their and ask them to disburse to you any funds in excess of the currently owed agreed upon amount.

She can change the account over in less than an hour. She did it yesterday after I found her error.

 

[justalayman]

Neither HR nor the payroll lady informed me of the proper formatting. They were both more aware than I of the need. E-mails were sent to both places and I received confirmation that they would change from the payroll lady. I understand that I'm probably out of luck here, but I am angry that someone gets to not do their job properly, cause me damage, and get away with it.

Seriously dude, the ultimate cause of your problem is yourself. You didn’t “do your job” by not overdrawing the account. You didn’t do “your job” by curing the over draw immediately upon notice.

It sounds like you are using the over draft as a de facto loan.

 

[justalayman]

Actually, even if the account was at a zero balance she did not deposit the check into the right account.

Had she done her job, my check would be where it should be and it would be the full amount.

The new account has payments scheduled and no check deposited there. Her one job for me was to switch the accounts.

She had two weeks to do so and I know for a fact she can do it in less than half an hour because she did it yesterday, after it was too late.

Now because of her negligence at her job, I have damages. Had she sent the check to the proper place there would be no issue what-so-ever.

The main issue is that she sent my check into an account that she was not authorized to send it to and that mistake cost me more than just an overdrawn balance, it will cause me late fees from the scheduled payments on the account she was supposed to send to, and possible overdraft charges there too.

No. Because of your negligence you have damages.


Sorry but yes, she was authorized to send it to the account she did. How would she get the account number if you didn’t authrorize it? I bet she can show you a form where you authorized it.

 

[justalayman]

She can change the account over in less than an hour. She did it yesterday after I found her error.

Then maybe you should have spoken to her personally before and expressed the urgency.


I love how you demean her by claiming

“Her one job was to...”


That’s funny on the internet memes but I can assure you changing your deposit info is not her one job.