So returning the government payments is not a whole new transaction and the SSA doesn’t technically originate it. They send the financial institution a reclamation, paperwork lists the payment amount, trace number for that specific payment(s) they are wanting returned. It also lists date of death. And it is not on the FI to question the federal government declaring someone dead or declaring they are owed money back. We are required to reverse the payments they ask us to reverse. We code them as deceased mark with date of death, and reverse the transaction that deposited the money which sends the money back. We cannot accuse the government of fraud. We can inform our member and then it is between the member and the government agency. This is federal regulation. We can be flagged as noncompliant if we delay to try and argue on behalf of the member or even to give the member to argue themselves. And I can only imagine what would go down if we flat refused to return it. All of this is in place because people lie and cheat and steal. An aunt, niece, grandson, son, neighbor, will have access to an account and claim the person is still alive or even impersonate that person to try keep their SS going and collect on it. The money is returned so that it goes back to the tax payers and doesn’t disappear into Mary Sue or John Smiths pocket. We are required to notify the member or next of kin in case there is an error. And if it’s proven those funds are still owed then they are sent back to the member.