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kelly4u2
I accidentally wrote a check on my closed account. What should I do?
This is embarassing but I need some guidance. I just went to Old Navy and I didn't have my debit card so the sales associate told me they can take a check and run it through as a debit. I handed her the check and when I got home and took out the shirt I saw the receipt with a check stapled to it. I had accidentally given her the check from an account I had just closed! I grabbed the wrong check book. I had just opened an account at a credit union because Regions sucks (that's another story) and now I need to correct this mess. What should I do? Old Navy was closed by the time I got home and realized the mistake. I want to take care of this first thing tomorrow but it's a Saturday and I don't know what to do. If I want til Monday they might think I tried to defraud them. Someone please assure me that there's some number I can call and give them the right check or the cash and that I'm not going to be sued or arrested or something else awful over this mistake. Help!! What steps to take..
Additional Details
I already feel really stupid about it. I will destroy the book now. The reason I still had it is because I had to wait until my direct deposits stopped to close the account. During that interim I still kept the checkbook. The account has been closed for only a few days and that stupid checkbook just stuck around in my big old purse.
                     
 




Munya Says: GFOD
Rating
RUN RUN RUN to the store first thing Saturday.
BE THERE WHEN THE STORE OPENS seriously like be waiting for the doors to unlock.
Find the store manager or assistant manager, bring the items you bought AND the receipt AND BRING CASH. They might make you do a "return" and then just pay cash and buy the stuff all over again.

You poor thing. Just get back there when they open so they see you are sincere. Dont forget to bring the clothes and your original receipt.

No matter where you live "check kiting" (bouncing) is a crime. But if you make good before it even hits the system (OR OLD NAVY'S BANK!), then you will be OKAY.
Tell them they need to run it through as a return, cancel out the sale, GIVE YOU YOUR CHECK BACK (if they havent gone to the bank) and give them cash! MAKE SURE YOU APOLOGIZE again and again, because someone is going to have to go in the back and RE-DO the balance sheets for the sales/deposits.


Tammi D
Rating
Old Navy is open on Saturday.

Here's a hint: destroy all checks from your closed account and don't carry that checkbook around.


Tom
Rating
Call them as soon as possible, then destroy all the checks from the closed account. They will be open on Saturday.


Nudie
Rating
Go over there first things tomorrow morning with your debit card or the right check and tell them what happened. It will be fine, don't worry. Especially if you go in there right away and tell them what happened.


jacksonpools
they go to the bank daily and it will come back to you insufficient funds and you will owe the bank like $20 and old navy an extra $50 - 100 for returned check fee but no jail time


David T
Rating
Take the reciept and the check along with a good check back to the store and ask them if they would not run the old check. Then DESTROY THE CHECKS ON THE CLOSED ACCOUNT!


omgxitsbrooke
there's usually a toll free number on the back or bottom of receipts. call it. don't go into the store. they can't do anything.


dtb
Rating
go back the next day when they are open , tell them the truth and take care of it.


Waffles
Call the store first thing in the morning and maybe you can work something out before they run their deposit. Maybe call the credit union too. Otherwise, the check may bounce and you'll end up with a fee.

I doubt you'll end up with any legal problems. Most retailers now run checks electronically, immediately taking the money out of your account, but when they don't do that, they typically just take a loss on bad checks. I reckon they probably don't pursue pressing legal charges unless the check looks like a forgery or is for a significantly large amount of money. (For just a shirt, they'll probably just eat the loss.)


glamour04111
Rating
call first thing in the morning and if they already deposited the check then all you will have to do is pick the check up after it is returned because of a closed account and pay the bounce fee and the amount of the check.


sweetnovember4
you could call Old Navy first thing tomorrow and they will more than likely have the check and they can help you correct it. Also call the bank and let them know. Don't worry, it will get cleared up. It sounds like it was an honest mistake.


M. P
Rating
Call the company and explain what happened.


nwdoss
You can call them first thing in the morning - even though it's Saturday they can put a notation into their system notating the date and time you called and someone will call you back if they can't handle it right away. As long as you call and make good on the check, they can't prosecute you. Just make sure you call. You can even call the store tonight and leave a message on their answering machine so they know you are legitimately trying to rectify this. Good luck!!


Jamie L
Well you wont be sued or arrested! Go to Old Navy and ask them if there is anything they can do. If not, you can call the old banks customer service number- they'll tell you what to do (maybe re-open the account temporarily). But I'm sure Old Navy can take care of it- It obviously hasnt gone through at the bank.


mcmoehring@sbcglobal.net
Go there, explain and make good. Is Old Navy closed on Saturday? Be there when they open.


Unsolved Mystery
Call your band and tell them what happened. On the back of your check, you should find a 24-hour number you can call in order to get something like that fixed.

Then immediately after that call Old Navy and tell them what happened. They'll be happy you came to them before they found 'insufficient funds' in your dead account.

Good luck, and don't procrastinate. In these days, people can make changes in a matter of seconds since everything is electronic. So hurry!


?
Rating
store usually make night deposit when you go in the morning tell them what happen they will take you thru it you will probably end up paying a extra 25.00 unless you let it go for a long time then you will go to jail thief by check good luck throw those checks away


Racist Answer Man
Notify Old Navy.

Don't worry about the bank. The check won't be returned NSF, just 'account closed'.


dol
You can email the store if it is possible. Or you can call them first thing in the morning.


bantugan
Rating
well if it is a Saturday and they won;t open till Monday, you can just wait first thing in the morning on Monday and clear the thing. most will think generously about this and consider it a case of forgetfulness and wait for you to be ready to clear the mess as early as possible before they make any legal moves. cheer up! it is not the end of the world - you still have the chance on Monday!


niceguyswlondon
Leave the country immediately!

Do not pass GO. Do not collect $200!


privatecriminal2000
Go there immediately with cash and checkbook and honestly explain it was a simple mistake and you want to rectify it immediately. I'm sure they will understand - just don't wait another minute!


teamepler@verizon.net
Contact them NOW-
Go down tomorrow and replace the check with a valid one (or buy it back with cash).
Make sure you get the check back before you walk out.
If they can not produce the check, get the manager to write a statement that you attempted to redeem the check before it was processed.
Good luck!


YOUR JESTER
Don't worry just wait until they are open and go there, nothing will happen if you pay them, it is when you don't try to fix things that they come after you.


Annette L
I'm sure they are open on Saturday, you should call them first thing in the morning and explain your mistake.


adamkrattkc
You need to go to the store and speak to the manager.. depending on the location... it could be trouble. Los Angeles County enacted a law.. check bouncing is a crime, even if by accident. The Republicans here.. pushed to criminalize even insufficient funds bouncing much less a closed account as you have done.


grneyedgrly
Rating
Contact Old Navy and ask to speak to the sales manager. I would imagine that you could go back to the store and purchase your items again. But pay cash..lol They might be a bit suspicious but at least this way they can see you've made an honest mistake and you're trying to correct it. Put a stop payment on the check if that's even possible, or talk to someone there at the bank and see what they say.


kackerot
This is an easy one if you go to the store tomorrow you should be fine, most stores are now franchise owned meaning owned by individual rather then the corporation. Which means they can work with you and not report it to the um, who ever it is that watches over checks and possible fraud systems. but the franchise store go by numbers and rules and might mess with you a bit. Try calling old navy 1800 number and give them the store number written on receipt. If you cant go tomorrow first thing Monday call both banks to explain your new one might be able to help. if you really do have a new account and it was a mistake then they will work with you good luck throw out your old checks but first write void on them or burn them.


mavvericks66@verizon.net
you could call first thing in the morning and see if night manager all ready made drop....if not you could fix it first thing....in any case call and speak with manager early I am sure this has happened before and they have a plan in place.....offer to pay via debit/credit card....good luck


!!!
Go to the store with the original receipt, talk to the manager, explain what happened and then give the cash to the manager, be sure to get another receipt.


dark_princess
call your bank, most are open on saturday mornings.


pcolawilliams
Rating
if you cashed a bad check at credit union and pay back can they still proscute


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