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Here’s the situation, so I just recently 2/12/18 received a reclamation letter from Synovus bank stating I return an amount of $1,492 that was placed in my mother’s QIT. My mother passed away on 10/4/15. I did my due diligence and informed the bank and Medicaid. I returned the exact amount on 11/3/15. On 12/4/15 I received a letter from Synovus stating the amount of $1,492 had been returned. So what do I do now? Is this a scam or is this for real? I’ve saved all my documents and receipts.

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Kahlua - hmmm I have a guess.....
so mom on Medicaid had a QIT (aka a Miller Trust) that got her income each month so she could be OK for Medicaid income limits (as her monthly was too high). Miller was held though Synovus Bank. If you google them well they don’t have a stellar rating from consumers as they seem to be beyond crappy on timely basic bookkeeping.... Anyways mom dies with a $1492 balance in QIT which in theory should escheat to the state as whatever is left in the QIT as per terms of the QIT is states assets to use to recover and $ paid by Medicaid.
You do what your supposed to do. $ goes back to QIT. Mom’s dead, there’s no other assets. Any other Recovery is phfft as mom died with no assets, so no probate, no MERP. Case & casket closed.

But now in 2018, the state or better yet the outside contractor the state is using for MERP in its contracted due diligence has requested compliance data from Scrapola Bank from 2014, 2015, 2016, etc. And Scrapola hasn’t kept stellar records so they contact whomever on file to get them to basically do Scrapola’s job. You’ve done your part, have it documented, it’s done.

To me sending a “reclamation” letter is a red flag that they are clueless. It’s my understanding (btw I’m not an atty) that “reclamation” letter is used for bankruptcy filings OR for when a biz sells products that are not paid for but are delivered however the deadbeat received an item of value & doesn’t pay for it. Usually its a big tangible item like a bobcat, generator, automated dishwasher system, you get my drift. After Hur. Katrina (I’m in New Orleans & own a biz), if you had losses due to a tangible delivered but client didn’t pay for (due to the chaos from Katrina) you kinda were supposed to send out a reclamation letter to them so you could clearly establish why your writing it off as a loss and you attempted to get paid; it make it smoother for getting a loan or grant. “Reclamation”,lol, no item to reclaim from you.

Btw your post has created a wormear I’m gonna be stuck with this weekend, back to elementary school and that Columbus pageant song... “in fourteen hundred & 92, Columbus sail the ocean blue......”, I was Queen Isabella by default as I had long black hair... actually I’m more a Empress Carlotta type.

Let us know what happens, btw your ? is the first of its type on AC that I’m aware of. & thanks!
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This is a legit bank. For her to get this info again they must have been hacked into. Yes, check the address, keep the envelope. Call the bank to make sure they know about the letter.
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I would not worry, you sent the money back and you have proof. This is a scam, welcome to 2018, if only 1% of the people that are contacted actually pay again, think of the profit. Since there is no accountability there are often mistakes made that the accused has to prove innocent and dealt with. Unfortunately for some they feel that all is done and dispose of all records, that's why you are getting this letter 2 years after the fact. I would however make some internet searches for phone numbers and addresses, this could be a complete and total scam because of a security breach and if you respond now they have more information with which to steal moms, your or who knows identity.

We live in a world that nothing can be taken as legitimate, until we spend time verifying it is time consuming and frustrating. Better safe then sorry. Best luck getting this monkey off your back.
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"The bank" means the bank ur check was drawn on, sorry.
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Sorry, I canceled previous post so disregard. I didn't see the dates. Call the Bank explain the money was paid back. That you have a letter stating the amount was returned. You may want to see if the bank can supply ur canceled check from that time unless you already have it. I think the letter they sent should be enough proof. This may just be a glitch in their system. Since its been over two years you have probably probated Moms estate and distributed any monies. You r not responsible for this amt. They will have to eat the debt. But I think you r ok with your proof.
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Don't understand what QIT mean. Was Synovus her bank? Was 1492 her Social Security direct deposit amt. If so, this may have happened. When you receive a SS check the money you r getting is for the month before, just like when u work. So Mom should have gotten her Oct check. But if SS sent her a check in Nov, that has to be returned because she died in Oct. Was this the case? What probably happened is SS took back a check and there wasn't enough in the bank but the bank covered it. If this is not the situation then more info is needed about why they felt you owed.
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Kahlua1 Feb 23, 2018
Thank you so much for your insight! My mind is all over the place so I’m sorry if it didn’t make sense. QIT means qualified income trust my mother had it in the nursing home. It’s an irrevocable trust to move money so my mother could qualify for Medicaid. Yes the 1,492 were her SS deposits. I think the thing that is really bothering me is why after 2 years are they sending me this letter?
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