As I just discovered, you apparently can't tell the actual disposition of an online payment [at least not with Wachovia]. I made a payment and it is marked as 'c' [which I thought meant "cleared"]... BUT: the payee called me to ask about it because they didn't receive payment. So I hopped online and checked my account and I found that it was listed on my account as just:
02/01/2011 Other AUTOMATED DEBIT ... ONLINE PMT ...I called Wachovia and learned that they had, in fact, sent a check through the mail and that the check had NOT been cashed ['c' status notwithstanding]. Not annoying that the check went astray [that happens] but that there's [apparently] no way to learn that that's what happened.
What do I do now? I can easily send another check, but what about the first one: it has already been debited from my account, right? So if I just ignore it I'll be out the value of that check, even though the check hasn't been cashed and no one actually _has_ the money. So I guess I'll need to stop payment on the check [which I think costs me $25, which is a pretty expensive USPS foulup..:(]. If I do stop payment on the check, what do I do in Quicken: with the fact of the stop payment show up in a 'download' and so it'll all clean itself up, or will I need to do something more involved?
THANKS! /bernie\