I understand what everyone is saying, and I called the store owner today. She was NOT nice. Espcially after I told her I had called the bank and they had no record that a NSF check was issued.
PLUS she TOLD me that the money WAS deposited into her account....and that 32 days later it was taken back out for insufficient funds?? That doesn't make sense to me. An ACH takes 4 days from beginning to end and that includs the deposit. They can't come back 32 days later and say it was NSF and take the money back, but she claims they did.
She is now claiming it wasn't her bank that did it but the check company she goes through. She has promised to show me copies of all of her documentation and I have until Wednesday to either return Maddie, give them the money, or BOTH! She actually asked me for BOTH!
And as for not knowing about the charge being on the card, we have just got our second statement in the mail as it was a new cc in November. We have ONLY received two statements: one in December and one the beginning of this month and the first statement I payed the bill and didn't bother looking at transactions. I will NOT make that mistake again. I have gone over both statements and contacted the cc co to find out where this transaction had gone.
__________________ Alycia  Autumn  Gizmo Maddie |