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Missed Deductions or Missed Employee on PDT 

Payroll deductions play a critical role in keeping employee BeneMoney loans in good standing. When a deduction is missing from a payroll file, it can create complications for both the employee and the lender. Below is guidance on why accuracy matters and what to do if a deduction is not included. 

 

1. Why Payroll Deductions Must Appear Every Pay Cycle

Missing deductions may seem minor, but they can create real issues for the employee. Ensuring deductions are submitted accurately and on time is essential because: 

  • It protects the employee’s credit. 
    Missed or delayed deductions can cause payments to appear late, which may negatively affect the employee’s loan status. 
  • It keeps the employee’s loan current. 
    Timely payments ensure loan balances stay accurate and avoid unnecessary delinquency notices. 
  • It prevents reconciliation delays. 
    When the bank receives funds with no matching deduction information, payments cannot be properly allocated. 

 

2. What To Do When a Deduction Is Missing

We understand that mistakes happen, and that’s okay! When a deduction is missed or not included in payroll, the best practice is to notify us right away. 

Please email: accountmanagement@benemoney.com 

Include the following information: 

  • Employee name 
  • Which pay period was missed 
  • Reason for the missed deduction 
  • When you expect the next deduction to appear 

Quick communication helps us protect the employee’s loan status and ensure proper posting of payments. 

 

3. If You Withheld a Deduction but Did Not Add It to the PDT File

If the deduction was taken from the employee’s paycheck but was not included in the PDT file you submitted: 

  • Please notify us immediately. 
  • The PDT file is the ONLY way the bank knows how to allocate payment amounts. 

Without matching PDT data: 

  • Funds cannot be assigned to the correct employee. 
  • Reconciliation errors can occur. 
  • Payments may be delayed or misapplied. 

Providing the missing information ensures the bank can allocate the funds properly and the loan remains accurate and up to date. 

 

For more information on PDTs,  check out this article