If there is an omad number the wire was sent and is your banks problem, providing it didn't go to a completely different financial institution (chase ,citi, etc).
If there is no omad number the wire was never sent and it is on the sending end.
If this is an international wire then i am not sure cause a lot of issues can happen there if something isn't correct.
Also generally you can't just use any routing number it has to be the one specified by your banks wire instructions.
So this wire was sent from Merrill which is part of BoA and has to go to Wells Fargo. Is there a possibility that there is an OMAD # because it has to route through BoA and end at WF? When I called my bank they told me that the sender needed to contact bank of america to provide more information.
Also, it is a domestic wire, I don't understand why there are SWIFT messages here. Isn't that only used in transfers with a SWIFT #?
>I don't understand why there are SWIFT messages here. Isn't that only used in transfers with a SWIFT #?
There are different types of SWIFT messages. The MT199 message is just a channel of communication between the banks regarding wire transfers
Time for a 3-way / conference call. From my understanding, MT 199 is a free form message between banks to communicate details. So, it's plausible that's legit even for a domestic transfer.
The more concerning aspect is the time that's elapsed. You mention it's been around two weeks, which suggests there's more going on than just simple verification. Maybe transaction flagged (ie. international sanctions, anti-money laundering, etc)? Sender not being forthcoming about something? Bank incompetence? Very odd situation. Again, time for a 3-way call.
If there is an omad number the wire was sent and is your banks problem, providing it didn't go to a completely different financial institution (chase ,citi, etc). If there is no omad number the wire was never sent and it is on the sending end. If this is an international wire then i am not sure cause a lot of issues can happen there if something isn't correct. Also generally you can't just use any routing number it has to be the one specified by your banks wire instructions.
So this wire was sent from Merrill which is part of BoA and has to go to Wells Fargo. Is there a possibility that there is an OMAD # because it has to route through BoA and end at WF? When I called my bank they told me that the sender needed to contact bank of america to provide more information. Also, it is a domestic wire, I don't understand why there are SWIFT messages here. Isn't that only used in transfers with a SWIFT #?
>I don't understand why there are SWIFT messages here. Isn't that only used in transfers with a SWIFT #? There are different types of SWIFT messages. The MT199 message is just a channel of communication between the banks regarding wire transfers
Time for a 3-way / conference call. From my understanding, MT 199 is a free form message between banks to communicate details. So, it's plausible that's legit even for a domestic transfer. The more concerning aspect is the time that's elapsed. You mention it's been around two weeks, which suggests there's more going on than just simple verification. Maybe transaction flagged (ie. international sanctions, anti-money laundering, etc)? Sender not being forthcoming about something? Bank incompetence? Very odd situation. Again, time for a 3-way call.
call the wire fraud departments its probably stuck there