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Posted: 7/3/2014 8:35:00 PM EDT
| So as soon as eforms went up I put a stop payment on my paper form check since the expected delivery date of my forms was the day I submitted my eform. I log into my bank account and what do I see today but a cashed check from the NFA. I won't be able to speak w/ the bank until saturday given the holiday but any thoughts on how to proceed if my bank claims they screwed up and there is nothing they can do about it? After I speak w/ the bank I plan on contacting the the atf regarding what I should do. Knew I should have just let it be. Lesson learned I guess. |
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I'm not sure how ATF/NFA does it, but my guess is that they dont actually use the check you send them as a paper deposit.
I've sent them paper checks in with my forms and once they cash/deposit them...they don't show up in my account as if they deposited the paper check. It looks like they just take your routing, account #, and prob check # from your paper check and process the $200 draft electronically. |
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Quoted:
I'm not sure how ATF/NFA does it, but my guess is that they dont actually use the check you send them as a paper deposit. I've sent them paper checks in with my forms and once they cash/deposit them...they don't show up in my account as if they deposited the paper check. It looks like they just take your routing, account #, and prob check # from your paper check and process the $200 draft electronically. If they used the check number then it shouldn't have processed because I put a stop payment on that specific check. I am thinking my bank screwed up. Either way it looks like I will be d/w the ATF on what to do. This is my first ever form 1 (or any NFA submission for that matter) and my eform was initially rejected for the 300 aac blackout in the caliber section so essentially I have paid the atf $600 bucks for 1 form 1. Obviously I will be getting refunded accordingly but this has been a pain in the ass. |
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... this has been a pain in the ass. IMHO that pretty much sums it up. It's the reason why it took me over 5 years to submit a Form 1. But that's their way of discouraging the masses, make it difficult. It wasn't until I realized there may come a day when the right may no longer be there that I decided to stop protesting and play their game. Just don't give up! |
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IMHO that pretty much sums it up. It's the reason why it took me over 5 years to submit a Form 1. But that's their way of discouraging the masses, make it difficult. It wasn't until I realized there may come a day when the right may no longer be there that I decided to stop protesting and play their game. Just don't give up! Quoted:
Quoted:
... this has been a pain in the ass. IMHO that pretty much sums it up. It's the reason why it took me over 5 years to submit a Form 1. But that's their way of discouraging the masses, make it difficult. It wasn't until I realized there may come a day when the right may no longer be there that I decided to stop protesting and play their game. Just don't give up! O I will not be giving up. Just more annoyed that they have an extra $400 of my money at the moment when they shouldn't. Maybe I can get lucky and once the paper form 1 is in the system the examiner will feel bad for me and approve my eform or speed up the process. Yes I know, wishful thinking but why not. |
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They do an electronic check. It's sorta like using a debit card. They only use your routing number, and account number. If they have a signed check in their name it authorizes them to make the transaction.
Not sure exactly how it works on the bank's end. But I do believe the check number is not used for that type of transaction. When I write a check I get an image through my bank's website(USAA) next to the transaction, and I've never got that image with any of my NFA transactions. Just an electronic withdraw. So they don't use the actual check, or check number. |
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You did a stop payment on a check. The atf processed it as an ACH, not a paper check. What you needed was an ACH stop payment. While the bank didnt screw up, you may be able to get them to refund the fee for the stop payment as a courtesy.
To fix it, you can either have the bank do a Regulation E dispute on the ACH transaction, or you can go to the ATF for a refund. It is normally easier and faster to do the ACH dispute through the bank, but that may affect your stamp processing. Ask the atf for a refund first. Dont get the bank involved (except for the stop pay fee reversal) unless the atf absolutely can not fix it. |
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Quoted:
You did a stop payment on a check. The atf processed it as an ACH, not a paper check. What you needed was an ACH stop payment. While the bank didnt screw up, you may be able to get them to refund the fee for the stop payment as a courtesy. To fix it, you can either have the bank do a Regulation E dispute on the ACH transaction, or you can go to the ATF for a refund. It is normally easier and faster to do the ACH dispute through the bank, but that may affect your stamp processing. Ask the atf for a refund first. Dont get the bank involved (except for the stop pay fee reversal) unless the atf absolutely can not fix it. I pretty much figured that I was going to have talk w/ the atf about what to do. My bank is pretty good to work with and will likely refund my stop payment fee. My guess is that I will probably have to wait until the paper is pending for them to be able to cancel the paper and process the refund. I just didn't know how that would all work considering I have an eform 1 already pending. And I am curious what you mean on the stamp processing part? If the bank is able to reverse the payment wouldn't it just affect my paper form 1 processing since my eform 1 is already paid? And when I contact the atf, should I just utilize "ask the experts" or call in? |
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I pretty much figured that I was going to have talk w/ the atf about what to do. My bank is pretty good to work with and will likely refund my stop payment fee. My guess is that I will probably have to wait until the paper is pending for them to be able to cancel the paper and process the refund. I just didn't know how that would all work considering I have an eform 1 already pending. And I am curious what you mean on the stamp processing part? If the bank is able to reverse the payment wouldn't it just affect my paper form 1 processing since my eform 1 is already paid? And when I contact the atf, should I just utilize "ask the experts" or call in? Quoted:
Quoted:
You did a stop payment on a check. The atf processed it as an ACH, not a paper check. What you needed was an ACH stop payment. While the bank didnt screw up, you may be able to get them to refund the fee for the stop payment as a courtesy. To fix it, you can either have the bank do a Regulation E dispute on the ACH transaction, or you can go to the ATF for a refund. It is normally easier and faster to do the ACH dispute through the bank, but that may affect your stamp processing. Ask the atf for a refund first. Dont get the bank involved (except for the stop pay fee reversal) unless the atf absolutely can not fix it. I pretty much figured that I was going to have talk w/ the atf about what to do. My bank is pretty good to work with and will likely refund my stop payment fee. My guess is that I will probably have to wait until the paper is pending for them to be able to cancel the paper and process the refund. I just didn't know how that would all work considering I have an eform 1 already pending. And I am curious what you mean on the stamp processing part? If the bank is able to reverse the payment wouldn't it just affect my paper form 1 processing since my eform 1 is already paid? And when I contact the atf, should I just utilize "ask the experts" or call in? Well, i dont know how a chargeback is handled by the atf, but if your payment gets disputed by your bank, and they chargeback the transaction, it comes back out of the atf's bank. How that bank will report to the atf which transaction it was for, or for which stamp processing type it was for is anyone's guess. I guess you could call the nfa branch and let them know you will dispute it at the bank, to give them a heads-up that the chargeback/returned item will be for the paper form 1 and not the electronic filing, and that you wish to cancel the paper filing anyway. That might cut down on the confusion on your two filings. |
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Quoted:
Well, i dont know how a chargeback is handled by the atf, but if your payment gets disputed by your bank, and they chargeback the transaction, it comes back out of the atf's bank. How that bank will report to the atf which transaction it was for, or for which stamp processing type it was for is anyone's guess. I guess you could call the nfa branch and let them know you will dispute it at the bank, to give them a heads-up that the chargeback/returned item will be for the paper form 1 and not the electronic filing, and that you wish to cancel the paper filing anyway. That might cut down on the confusion on your two filings. That sounds like it would be easiest to just find out what atf wants me to do. Would it be a good a idea to ask the experts and see if I get a response this weekend if someone is working some overtime or best to just call on Monday after the holiday. |
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