Back in February my wife and I made a payment to Chrysler Financial (CF). About 2-3 weeks later CF started hounding us saying we hadn't made the payment. We checked with the bank and got a copy of the processed check. It was clearly made out to CF and had been processed and the funds taken from our account. CF suspects the check may have been applied to the wrong account upon receipt into their system. We have sent 3 copies of the check for verification by CF but they keep saying it's not legible enough. The "Pay to the order of" information is very clear. Our understanding is that the bank has destroyed the original check and they are making copies from fiche. They are now telling us it's about as clear as it's going to get. Ever since this began CF takes our current month's payment and applies it to the previous month's payment instead of getting the February payment resolved. So about every 2-3 weeks our account shows up in their system as being late and they continuously call us every day. I've tried everything I know to help them out but we're at the mercy of them and our bank. My question is are we responsible for the resolution of the check issue or should this be between the bank and CF? The check was clearly made to CF the check was processed and the funds were deducted from our account. What is the general law in Alabama when there is a dispute for a processed check? Can anyone help/advice me? Thanks.

Oh well. It's been a week since I posted the simple question but I haven't gotten any response. So much for what could be a helpful website. If I had wanted to take the time to go to an attorney to get a fundamental question answered I wouldn't have posted my inquiry.