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How to remove a payment placed on the wrong customer ID?

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Okay so to explain as simple as I can. 

Customer: 0001

Customer: 0002

Example is a payment for customer 0002 was accidentally placed on customer 0001. Instead of going through Application Inquiry/Reversal and moving it to the correct customer, a duplicate payment was entered to customer 0002. 

Customer 0002 is now correct but Customer 0001 was a credit balance that needs to be removed. If I use the Void option, it will notate on the account as NSF which can cause problems later if a customer calls to go over their payments. I've been told to use the Small Balance/Credit write off option but I am wondering if there are other options to remove this mistake, where it will not show in the customer records. If not what is the option that you have been using or suggest. I also do not want this to cause issues for our accounts when we close.  


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