Who is liable for funds sent to the wrong account through ACH (electronic transfer of funds)? The originator of the transfer, which can be either a company or another financial institution, guarantees the information that's contained in the file to be corrected. Have more questions? Submit a request 0 Comments Please sign in to leave a comment. Related articles I paid off my loan, but funds from my other institution are still coming out. How do I get this stopped? What number do I call if I have a question or problem with my online bill payer? My deposit was supposed to come to 3Rivers and nothing has posted yet. How can I locate the deposit? When are the funds available for me to use?