Info About Federal Reserve (ACH) Automated Clearinghouse Services - Reverses & Return Payments
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- čas přidán 6. 09. 2024
- After research and a lot of people asking I do a video about ACH Payments. I decided to show exactly what the Federal Reserve states they can and can not do when it comes to any ACH transfer.
(Side note: did you know the Federal Reserve created the ACH system so many people use today?)
All information obtained was directly from the Federal Reserve Website. I do go into detail regarding how the Federal Reserve uses ACH on a basic level. This video mainly will touch on the topic of Returned Payments.
As I have learned the following is important to keep note of:
ACH - Debit Transfers
ACH - Credit Transfer
Article 4A
Operating Circular 4 (OC4)
Brief summary:
The Federal Reserve Bank CANNOT REVERSE any Debit ACH Transfers. This is done sole on the Financial Institution that was the "Receiving Bank". As noted that doing so these banks will incur fee's and will be responsible to repay the Federal Reserve bank.
The Banks and Credit Card companies are probably having a field day. Trying to cover this up and thinking of ways they can just collect all this money from the citizens using their accounts. (hence instant closures without notice, etc)
Automated Clearinghouse Services
www.federalres...
External ACH Settlement Day Finality Guide
www.frbservice...
Operating Circular No. 4
www.frbservice...
Uniform Commercial Code - U.C.C. - ARTICLE 4A - FUNDS TRANSFER (2012)
www.law.cornel...
Would love to hear your thoughts! Please keep the comments friendly. Thank you all!
guys what the most important thing is to stay positive collective consciousness is the most powerful force in the universe. this is why they will always try to break any collective movement apart. their people know this. they have used us to create their world by dividing us. as long as we keep at it it literally has too work....it can not fail it's science. collective consciousness is all it takes period. keep up a positive attitude and keep working and we literally can not lose
Societies Byproduct totally agree!!
Societies Byproduct m
Societies Byproduct
carefull don't step in the hope and change pile a third time. nothing is free and a positive outlook without action is the same as watching a mugging and hoping somebody does something.... evil wins if good people as individuals don't stand up and refuse to tolerate tyranny. some will stand alone some will be in a crowd, doesn't change the individual conscious choice to not tolerate theft, extortion and unethical rulership over we the people. the power comes when the collective of individuals reaches superior numbers. All things begin with an idea, both evil and beneficial. imho.
dude FANTASTIC you write like the real madison
James Madison well maybe money will be the change catalyst
I worked in payroll for a shoe company and one of my main tasks was AHC rejects and returns. Sometimes an employee would attempt to set up their direct deposit and would miss key their account number. most of the time the funds would come back right away with it being the the account was invalid or such. Every once in a while an employee would contact us because they did not receive a direct deposit and we would discover that the account was not entered correctly for their direct deposit. A letter of indemnity would need to be done to prove that the funds were intended for our employee. Reason being was that the incorrect account info was a valid account and given to someone's account, but there needed to be proof that the funds were not intended for our employee and a request was then made to have funds returned. But the fact that a reversal was done by the Fed Reserve in Mr Beane's case shows that all the account information he provided for the funds transfer, IT IS A VALID ACCOUNT! His court docs state that it was a fictious account, if had been a fake account no money would have past at all. So when I had to do a reversal, I had to request it.
Thanks.....Good Job on your part. We the people of USA Corporation need to do are own homework or due diligence's and break down what F.R.B. is actually doing to keep all of us with a S/S cards from the money in our social security accounts.
Thank you so very much for all that you have researched for us, and for taking the time to educate us. Seems like the Fed is breaking its own laws left and right.
jackieleeh1 does anyone know Jessica perry?
jackieleeh1 You are the receive bank because your social security number is bank connected with International Monetary Fund (IMF)
routing numbers are being changed so that new routing numbers exist for your account
Elton Winn so what can we do
Elton Winn do you any of the new ones
CFR Stands for "Code of Federal Regulations" This is law and all statures must refer to a CFR.
Yes, ach works. Debt online or credit over phone. Online debt gets reversee by policy and they keep it. You need call or they will call you and discuss them stealing your credit you generated. I have adjustments from chase proving it works
But it is not the FRB that is doing the reversals.. it is the little banks that are doing the transaction.. And they pocket the money because it would be illegal for the FRB to take it back...
Great information brother!... keep up the good work. This is clearly more fire 🔥 power for us to adjudicate these reversals / returns. I'm definitely a subscriber.
deff this is the nail in the coffin we all needed actual proof some heads are going to roll this week when I call these companies back on my reversals
The reversals are being done manually because the computer reconizes the accounts as belonging to us the social security holder.
Yahkema J Yup!!!💯
Brotha, I've seen quite a few who've gone after this but you are Driving it home!!!! Keep it up CN👍 God Bless
The letters and numbers that are in the paragraphs reference the definitions on the second or third pages this way you can decipher what they mean
Dear Crypto News, on the OC4: 14.0 RETURN OF ITEMS AND FUNDS
14.1 A receiving bank MAY RETURN A DEBIT or credit item to any Reserve Bank in
accordance with the applicable ACH rules and by the deadline set forth in the
ACH time schedule.
So when a utility company shows on a bill it was paid, then says it wssnt paid means someone is stealing the money?
Just got off the phone with my Credit Union, she stated clearly that that is my account with my name on it, but couldn't understand why it reversed
You werer trying to commit bank fraud.Thgose secret federal reserve bank accounts don't exist.
ACH Is when the person you pay goes and removes the money directly from ur account. I don't think they allow those. These accounts are only for the holder so the account holder HAS to remove the money himself, not let someone else do it. R34 error code RDFI limited participant. That means the person you paid and is trying to take out that money is not a registered participant to take that action.
Ryan Clement will do a video touching on this regarding a factualized trust
The Federal Reserve accounts are not a trust the money is being held in trust for everyone
Yahkema J you are correct my friend
Yahkema J you just need to take control by reorganizing it to an express trust.
people must know that it is a constructive trust until you claim it.
Thanks for giving us the information. We will start to take this apart for substance, in respect to essentials information.
Awesome job pointing out the crucial pieces of information for us in concise video. Thank you, for your valuable help. May God be with you.
It put the country in a position as to where none of us will even get a chance to access the accounts to operate them the way we think it best fit our lives not having them to continue to control and distribute what they think the people should have.
If the idea of these hidden accounts are true, I'm surprised businesses haven't popped up that help you do this and charge a fee that can be paid with your account.
I'm pretty sure these "get out of debt" companies are doing just that...
The secret federal reserve bank acounts don't exist.
@@thunberbolttwo3953 mine does lol
Those hidden acounts dont exist.if you try to usthemthatsbank fraud.
@@thunberbolttwo3953 I think the banks and these entities had that one covered ever since you and I were born...they call that double entry accounts?...that means.....were all in this together?!....ha ha ha lol..
IMPORTANT: (sorry @Crypto News) This information is being interpreted totally wrong!
The second definition of "indemnify" is "to secure or reimburse against legal responsibility". 14.4 in the publication you're reading from doesn't mean that the Fed Reserve CAN'T receive return funds. What that is stating is the bank (or entity) that receives must keep records of sources of transactions involving the Federal Reserve.
The "Reserve bank's failure to receive" returned funds in this context means '(if) the bank or entity that received the funds, doesn't return their money'!!
What the Federal Reserve is stating is that one way or another it is going to get repaid! The money in ACH or debit form is not floating around in oblivion waiting for anyone to grab it. This is serious business. If you don't have an actual, verified account at a Federal Reserve bank and use one of these methods to put money in your bank or pay for something, that is fraud & theft. The Reserve is going to get their money back! It holds whoever received the money responsible to indemnify (reimburse) their loss. However, the person who initiated the transaction (likely you if any of you are trying this) is also held responsible!
Now, if you use this method to pay for something either through another bank or a business, the business would probably have to return/reverse the transaction. This does not leave the initiator of the transaction free and clear. That bank or business is going to come after you to either get their money, product, or item. Plus, there is a strong possibility of one or both pressing charges for fraud and theft.
I hate to burst anybody's bubble, but this appears to be a scam. There are already at least two people with Federal indictments against them. I wish the personal accounts were real as much as many of you do. I really do. Look on all the videos in the comments of people who have tried it and are getting reversals on what they have tried to pay or charge. It's not working and probably will cost people more in the long run.
There is a SCAM Alert on the treasurydirect.gov site regarding this very type of transaction which states the claim that any kind of treasury account set up for each person at birth is bogus. This is an old tale that began probably before 2000 according to the dates on the information contained in the alert.
www.treasurydirect.gov/instit/statreg/fraud/fraud_bogussightdraft.htm
When you have the sending bank AND the FR relieved of all accountability, as this law code seems to imply- there IS NO WAY to pay debts. Also, it means that the financial systems also have a gaping loophole that allows all "citizens" the ability to create wealth. But all of this makes sense once you realize that money is literally backed up, and given faith to, by the people. The BC is a financial instrument evidenced by the paper it's made from, the worded elements within, and the serialization of each one as unique and singular. The accounts created from the BC is a percentage of all liquidated assets held by government- including your home, your car, or anything else registered or on permanent land. Even YOU AND YOUR CHILDREN. The value of the USA and all of its deposits, mined goods, fruitful land, chartered corporate entities, and military hardware alone could easily fill those TDA accounts with hundreds of millions each.
Electric Co Said "We will send you a detailed report" You guessed it, still waiting......"Miscellaneous Reversal" I asked for the code she said "there is none"...still waiting. The money is there they are lying. If they got the money they are keeping it and lying to you.
Jay Steele MidiBand there is a code. Drill them for it. Talk to a manager and make them give it ro you. Of course it will be bullshit.
that could be the greatest identity theft ever!?...
Going on 6 days now.. And my little payment to my credit card still has not been reversed..
This is the MOST important video on tube THANKS FOR YOUR HARD WORK BROTHER Peace...Sherry
Send a "hard" copy of this video to everyone you can before it gets pulled.
CFR is the "Code of Federal Regulations"
Well I tried it. I got errors or out right "invalid routing #" on 3 accts. However, I was able to pay auto ins... it showed paid in full for 5 days but was reversed on business day number 6. So my one time ACH transfer was reversed. I felt relief for 5 days. Can anyone tell me why all the consciousness stuff is involved in this?? Maybe I'm missing the history.
Ok, So if the number on the back of the social security card is the "account number" how is it that whenever I got a new card and then found my old one there is 2 differnet numbers on the back? Because I think that number is just a to keep track of the actual cards themselves since you only get a limited number in a lifetime if you loose them.
thanks for the details. more power to the people! !!
The Reserve Bank is not the same a federal reserve bank. I believe Reserve Banks are those with federal reserve notes
I'll believe this when someone shows me in person that it works and they've not been charged with a felony.
austin1839 lol...scared?? That's what "they" are counting on but I get it! It sounds to good to be true but my opinion this is the kickoff off Nesara/Gesara! It's global!!!
We had to go get it for ourselves...no one was going to do it for us! In other words, do your research and get excited! You and I are VERY wealthy!!
DeDe Paschall how much u made wealthy lady? how much u cashout? i an doing research still no proof just documents & theories is all i seen
DeDe Paschall Nesara/Gesara was/is a ruse. People fell for that shit hook, line and sinker
austin1839 I tried and it didn't work. Used 051731658 routing number and social as account number...took 2 days then reversed... any is everyone saying this works when it doesn't, what do they gain from me trying this
AUDIT THE FED
What about R34 or limited participation rejection code. It's issued by the RDFI...??
i was reversed because of something called limited participation can anyone help with this
Crypto, under the Operating Circular No 4 ,what item do you suggest that I send this Credit Union rep ??
Great pertinent research
This is GOLD! thank you
So are you saying make the payments at around 8:30 pm to limit the chances of getting reversed
CFR, Code of Federal Regulations.
Your efforts are much appreciated!
Being a citizen born outside the US as a military dependant and barely lived in the states. Would anyone mind explaining this whole thing to me?
Thanks so very much.
So what, what is your point??? What can I do with this information???
I think rather anytime we make a payment, they log that in, but they then send that request as a debit request from whatever institution we made the payment from. That communication is probably not answered very quickly and can be a couple of days. that is what they have let us to believe. is there no one in this world who can let us know if it is that or if they are indeed keeping the money? Can we not find out from one person who works for a bank or the tech part of a bank? This is all conjecture
Theres a 10 year statute of limitation or you could face 10 years in prison. Now is it really worth it ?
Anyone notice how when they access their account somewhere, the account number is usually 7-8 digits. But when it comes to direct deposit or external transfers, you have to supply the 12 digit account number. For instance, the account number I have access to is 7 digits. My credit union says add as many 0's necessary to the front of my account number to make it 8 digits, and in front of that I am to put 5010. Has no one ever questioned this? We don't have access to the FULL account transaction history or statements. I live in Utah, so it is a holiday today and I cannot call my credit union, so I sent an email about this.
any update
I don't know if this is what you were asking, but if you bank at a larger bank, you'll likely have the full 12 digits in your account number because they have more customers. If you bank with a smaller bank with fewer customers, you won't need such a large account number. Your account number really is 12 digits long, but with zeros in the front. Your bank likely just drops the zeros for convenience when working internally.
It sounds like you're taking a very limited understanding of accounting (credit vs debit) and using a short list of examples as being the complete list of all items that would constrain their actions.
A credit is anything that adds to the balance of an account, a debit is anything that reduces the balance off that account. Every transaction has an equaling opposite transaction in standard double entry anointing, which is standard GAAP practice. So every credit transaction has an equal debit transaction. Depositing your payroll (credit to your account) requires an opposing transaction (debiting the employers account).
Thank You!!!
This is very important to know.
God Bless~
Awesome thanks for info
Thank you so much for sharing this I appreciate it.
Thank u my brother! Good work. I'm going to read it. I love to read and research. I do have a question : it sounds like we use the ACH debit function. Does it determine or correlate with the 22- checking and 32 Wire transfer??
Great information. Thank you!
blacks law dictionary will help and it looks like sited law terms of some kind those numbers are reference numbers I think
this is great
I know I'm a good person and often give away for the good of others...so I'm a good team player but I wouldnt take something not mine or worked for.
@CryptoNews I have been watching and trying to understand how to transfer, but will it effect my current disability payment I'm already getting from m social security? Or are they two different accounts that don't effect each other, no one has made a video explaining these to differences because I don't think they are On (SSi/Ssdi) payments yet? I don't want to loose my disabled fixed income, but it's not enough to live off of $755.00 a month. That's why I'm interested in hearing your reply on my serious topic about ACH trust accounts vs. ssdi/ssi benefits will they cancel or send a red flag cause I'm on disability I can't work but this ach would help me a lot if I can get it transferred to my credit account or should I just spend it using a promisarynote?
Please let me know where you found the research to my question before you go into details. Thanks
there are dozens if not hundreds of accounts with your name/# on them.
I've tried for days to pay amazon what am i doing wrong
I have a quick question! So like lets say most of these transactions are getting reversed but that means in that very instant it actually processed. So instead of paying bills and stuff why dont we just go on amazon or any websitw like walmart, and buy Egiftcards or Prepaid Mastercards since they are emailed within 10-20 min while the reversal takes up to 1-10 days.
Edwin Gutierrez I don't think your able to buy anything with the account just settle debts... that's what I've seen so far being done
You're awesome? Thank you for your help.
Tiff 585 -CHECK THIS INFORMATION WITH YOUR BANK AND GET INFORMATION I N WRITING AND GET BUSINESS CARD OF THE OFFICIALS' NAME ON IT!
Do not take this article's word for anything! You may land up in a federal prison!
Good info was on this earlier and didn't notice this
How do you handle reversal payment
The fed is talking about if a receiving bank fails to get the returned ach item, that bank must indemnify, which means take the risk for loss on that missing return. All items, checks and ACH items have a tight window for return. The fed is a pass through only. So, a bank would have to take ownership for mishandling a return or deal direct with the originating bank. If you know banking, there is nothing weird with this process. Most people do not understand how it all works..but I do and this does not mean what you are thinking it does
Lisa Wykert, Quit making sense. Facts and logic don't apply here. It's all about the government ripping us off. That and the fact that a lot of people want something for nothing. If someone says the government has secret accounts registered with the FRB and they belong to us and we can access them with our Social Security Numbers and an FRB routing number, what's not to believe?.... : )
Lisa Wykert: Are you saying the Fed does accept returns on ACH items?
Wo Mo Ting: It's no secret that the gov't has bonds on prisoners, which are worth millions and politicians hold an enormous share of them. The bonds are listed on Dunn & Bradstreet. Makes sense that eventually all of us will become prisoners considering there are over 80,000 statutes and codes and the country is in deep debt... Who do you think is going to pay off all this debt - Donald Trump?
Pooey, The government has bonds on prisoners that are listed at Dun & Bradstreet? That's a good one. And if the government has all of these billions of dollars in people bonds, why are we in debt?
There are about 320 million people in the US and some people are saying there is at least a billion dollars for each person. That's $320,000,000,000,000,000 dollars or Three hundred twenty quadrillion dollars that the government has along with all the other money they have.
We're rich! How come we can't pay off the national debt?
are u fucking stupid? ALL THE DEBT (17Trillion) is "Owed" to 12 Fucking FAMILIES that sold bond the day u were born against your life.ROTHSCHILD Banking Cartel Families Own The BIS & Worship Satan.These Nasty Beotches Believe they Own Black,White,Yellow,Brown & Green(aliens) since The Treaty of Paris in 1783!!! Written by that SOLD OUT GAS BAG Alexander Hamilton! HE SOLD ALL OF US! We've ALL Been SLAVES Since the Constitution was Made IRRELEVANT BY TREATY PARIS! WTFU!
derivativeshort, There's medication for what you're experiencing.
My phone snapped a screenshot in its own when I clicked your video. What's up with that?
This is great except, they keep changing or their routing numbers aren't working, anyone has any information please advise us
Yes that's true but there's this handy little tool
www.lyonslive.com/resource-center/free-routing-number-search/
Airck
Thank you yes I tried it not working for me for some reason asking name business ECT not sure what to put
NEW SUB
Thank You for information. GOD BLESS YOU.
They are still trying to have control over the accounts.
How do I use this service?
how do i make the payment debit instead of credit
I don't get what all the hype is about... ACH payments have been active for eons....
A good friend of mine paid $100 on a credit card bill. The credit card company thanks him for the payment then it showed in his bank statement online that $100 had been paid showing the new balance 3 days later he gets an email stating they took it back but it shows that it was paid on his statement
Karen Brown who exactly took it back?
this means that if a bank get money in error or say someone was defrauding the bank or Gov such as getting money from an entitlement they did not qualify for. The bank sends the money back to the Gov and they say we never got the money and the bank says here is the prof we sent it back in fact they did send it, that would be lost in cyber space because they are unable to receive it. This would hurt the bank and they would have to be made whole and the sending back would have to get them the money another way. I bet is has to be sent by check and not electronically. This is off the top f my head seems what this is saying.
Comcast reversed my cable payment and charged ME a fee!
you got charged because that is considered a bounced check.
Well duh you were commiting bank fraud.
The Real Evvonne did you create an affidavit
The Real Evvonne verify your identity though the check company that comcast uses. Make sure you tell them to keep your name in all caps
Nikkyla Stephan how do you create one? Will you help me?
Did yall watch harveys vedio about the postmaster ? This made me the saddest ive ever been ........
Great Job again brother thank you soooo fucking much
The shit dont work. You will be charged a returned check fee by the company days later even if you receive the payment confirmation . If it were this easy, there would be a solution to block this from happening...not only that, but there wouldn’t be debt...everyone would be doing. I tried and it doesn’t work.
so if I owe 6000$ on a car can I pay the car off with my trust?
Good question. None of this matters if no one has proven it by getting money
Theeyo Dallas exactly my point
Holy shit!!! Yes!!! Yes you can!!! If it didn't work then they after reversing it because you have not filled a secure party creditor aka a sovereign citizen declaration form. It's called a ucc1 form. I completely understand this shit now!!! The government is so corrupt smh I paid my rent with this guys
Theeyo Dallas proof?
Theeyo Dallas doesnt work bro
Blacks dictionary will be a better place to look up words in those documents. they go off those definitions.
I think this goes very very way back to Families that were greedy... I believe that there is agreements politically for accounts. I'm not sure what is right. I'm a struggling individual with parents that came from Germany and England. They do not know American History nor do most Americans so it's tough to know who to ask questions these days. I know I have not been able to hold a job or get a job here due to bad choices when I was young. Kept in fear by most authority in my life. Always shut down for asking questions since I was young... is crypto a word used by Masons? Just wondering....
While if it's any help I tired with T-Mobile bill and got reversed in 2 to 3 days
Tray Matthews I experienced the same thing.
Nikki Pooh yea so I don't know what up with that still doing research
THANKS BRO
thanks
The routing numbers are changing! Initially the payments would process then get reversed as to now they don't even accept them!
Amanda McFarland lol well good for you. Did you use the routing from the list?
Brother Obi Yes...I noticed that too, I thought I was doing something wrong
Yes I did
Positive Thinker you're not doing anything wrong and don't lose faith
Amanda McFarland ok keep your fingers crossed that there's no reversal and keep us posted
What is they are requiring bank account to be verified by two small deposits into account?
cstjohn61 they deposit 2 small sums and you have to be able to see that in the account(wich you can't) paypal wants a bank statement now from the fed account...they already told me the 2 sums went in...they are on to all this and trying to screw people from using it
Crypto News I bought a Tesla and the dealership said the payment "bounced"..they tracked my vehicle and remotely shut it off then towed it away. I have the proof of receipt confirmation etc that I purchased the property that they stole..how do I best get it back?
Archangel 68
I just watched a video with Heather Tucci and Randall Keith Bean where his payment for a $500,000 coach was returned. The point is that it's your account and you did not authorize or request a return and that's what you have to prove to your bank that issued the payment or reverse the payment. I recommend you look up that video and watch it it was very interesting if not long-winded.
Fancy looking
Good attempt
I mean no disrespect but u can get the exact way to do this via April lajune.
OPT OUT, INFO ONLY....
READ 13.1, 13.2..... FRB CAN RECOVER AN ITEM THAT IT DEEMS WAS SENT ERRONEOUSLY, MEANING THEY RECALL THE FUNDS....SORRY TO UPSET EVERYONE, I WAS PSYCHED TOO.
They have changed routing number for Richmond let me know if anyone can elaborate on this
Richie Griggs no, these routing numbers arent for ach transactions. Search for the correct routing type transaction number. Find oit what kind of transaction the company excepts and find the correct code for the frb. Its on the website😉
neoshaw c so what's the Richmond E receiving bank routing number? Or the new ones?
Wats the point your trying to tell us...a bunch of letters and numbers ...what is this good for???
So i tried paying my car not today my branch is G which is chicago but every site from paypal to my finance company and student loan site said the routing number was invalid. So im lost here
CBrownD87 Do not use the 07 routing number
Which one do i use?
CBrownD87 I am G also, however Heather Tucci fB pg gives a Universal routing number 021050466
CBrownD87 mine as well
Laurie I am also a G. I tried using that universal routing number also, and the payments got reversed a few days later.
FILE A UCC-1 FIRST TRUST ACCT,WILL THIS IS ALL LEGAL
I did your research brother! Don't listen to any naysayers. They're looking for you to tell them what to do not point them in the right direction. That's why they're beat 😉
Here, you may find this interesting:
www.law.cornell.edu/cfr/text/12/part-210
he does not understand what he is reading. only the receiving bank applies to us trying to make payments
ALL of my payments have been reversed!!! I'm still in the fight! Does anyone have any tangible methods on how to combat reversals???
Also, I haven't been able to use any of the Atlanta routing numbers in sync with my ssn# but the temporary payment status worked with the unified public debt routing# 051736158.. Any answers?
moor1075 Go to April LaJune's channel.
This document, as well as numerous others related to the U.S. Governments internal procedures is available by visiting GPO. GPO is the abbreviation for the U.S. Government Publishing Office. I do not work for this office. I am in no way affiliated with the office. I am sharing this link for informational purposes only. Motu Proprio!!!www.gpo.gov/fdsys/granule/CFR-2017-title12-vol2/CFR-2017-title12-vol2-part210-subpartB-appB/content-detail.html
Ana Steele - reach out to me I believe we can make them all comply with our ACH 🙄
So then the funds can be returned through an account through USAA... So USAA and the Fed are one in the same...
Article 8 Article 9🥅’s
This vid needs an update lol
you need to do a lot more research considering how wrong you are. I'm not sure what you were trying to prove or disprove but you should be looking at NACHA for the ACH rules and regulations the Federal Reserve is not an originator of ACH therefore would not be reversing ACH debits. The Federal Reserve is an ACH Operator. I am an ACH specialist (NOT with the Federal Reserve) and I can tell you your researching in the wrong direction.