Bad info where does the doj get there info from....there are tons of people on here that got their permission slip way before the check cashed. bad info my butt.....and im in the same boat my check cleared the 8th as well and nothing, and i work in law-enforcement and just bought another gun and had no problems with my back round check...i think they are just stalling!:banghead:!!!!!! i will also check the mail!!!!!!!! if i dont see it by friday i will call the doj as well!!!!
They may be correct, and you may be correct, both at the same time.
The thing is, checks go through a clearing house bank. The clearing house bank floats the transfer of money to the payee (the DoJ) and then puts it into the system to get the money from your bank.
That second part can take a while. It depends on what core processor the bank has, what features they bought from the core processor, where they are, what they do before they key in the change, etc. It can also get jammed up and need human review, causing your bank to not get the "you gotta pay us" message from the clearing house bank.
The result is, the payee can have the money and consider the check "cleared" a week or more before your bank has it posted in your online banking account. This is why it is critical to float your checks carefully and balance the checkbook with "treat it as if all the checks are cleared" to avoid overdraws. (Or just keep a buffer.)
This very thing happened to me with my rent check a while back. It took six weeks to clear my account. The rental office swore up and down they had my money. The next month was cashed before the previous month if one goes by my account balance.
Essentially, the cashed check in your account is a "last possible date cashed", while in reality there is a statistical probability that the DoJ had the money a day, or several days before.
This is also why those "I'll send you a money order" scams work. The fraudulent money order check has to go all the way to the bank that supposedly issued it, and they have to say "bugger off" to the clearing house bank. Only in this case the float happens because you deposit it and the clearing house bank assumes the listed bank will cough up the money not reject the check. During the time in between, the scammer gets the victim to give them the goods, plus whatever cash advance they wanted....
Yes, I work in the banking industry, not directly with this stuff, but you pick up things.
