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? When are the funds available for me to use? My deposit was supposed to come to 3Rivers and nothing has posted yet. How can I locate the deposit?