"Okay, first off, I have to say, I was partially to blame for being negligent to an extent, but here's the story:
On 9/30/2004, ING made an automatic transfer of $100 from my linked bank (Bank of America) as it does every month since I opened the account. Then I received an email from ING saying that there were insufficient funds for the transfer. I found this to be quite strange as I had close to $8000 in the BoA account at the time (for business purposes), which would easily cover the $100, so I figured I'd wait a couple of days for things to straighten themselves out. Well, it never did. My BoA account showed the transfer on 10/1/2004, and the money was never returned. I had called INGDirect around 10/10/2004 the first time to find out what happened, and they had told me to wait a few more days and the money should be back in my BoA account, but it never showed up. The problem slipped my mind over the holiday season and I didn't revisit it until last month.
Well, I've now made about 3 phone calls, a fax, and an email to ING Direct, and they're adamant about not having the money, citing how their policies required that they return the money if they receive an "NSF" (no sufficient funds?) message from the clearing house or something. I've also written to BoA asking them if they can research and find out where the $100 went, and they basically told me ING has it and all their records indicated that I had more than enough to cover (which I already knew).
Now, the only way out I see is getting ING to send me a copy the notice they received about NSF, so I can go back to BoA, as there doesn't seem to be a way for me to get the two banks to talk and find my money.
Has anyone else had this problem or give me some advice on what further actions to take? Any help would be appreciated. "