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Old 11-15-2005, 08:08 AM   #1
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Default NEED ADVICE...someone took money out of my acct!!!!!!

Anyone that has worked for a bank or has experience...yesterday I went to the bank and it was overdrawn...I couldn't figure out how this happened and the automated system wasn't giving me my transactions past Sat., so I depsotied money so nothing would bounce and went to the bank before work...they still weren't open and so from work I called and there were 8 trasactions for 6.95, 4 for 20.00 and 2 for 10.00 all taken out from 2 companies (the first 2 were the same company) and the other was from another....I called the bank and they gave me the # and told me if they don't refund me I will have to go file a regulation E form. Of course I got machine on BOTH numbers and I will have to go to the bank later on today but does anyone know how this process works??? Do they refund my money and then go after the company, do I have any protection here???? I can't even imagine how they got my information???
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Old 11-15-2005, 08:13 AM   #2
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hmmmmmmmmmmmmm
Put a RED FLAG on your account!
Do you use a ATM card?
The bank will put the money back in, but they first have to track down the
transactions to make sure you didn't make them. Real pain in the butt if you ask me, as it could take up to two weeks.
But I would make sure your account has a Red Flag.
No one will be able to get to it, without ID.
Also, change your Pin Number ASAP.
Sorry this happened to you.
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Old 11-15-2005, 08:14 AM   #3
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Quote:
Originally Posted by luzangela428
Anyone that has worked for a bank or has experience...yesterday I went to the bank and it was overdrawn...I couldn't figure out how this happened and the automated system wasn't giving me my transactions past Sat., so I depsotied money so nothing would bounce and went to the bank before work...they still weren't open and so from work I called and there were 8 trasactions for 6.95, 4 for 20.00 and 2 for 10.00 all taken out from 2 companies (the first 2 were the same company) and the other was from another....I called the bank and they gave me the # and told me if they don't refund me I will have to go file a regulation E form. Of course I got machine on BOTH numbers and I will have to go to the bank later on today but does anyone know how this process works??? Do they refund my money and then go after the company, do I have any protection here???? I can't even imagine how they got my information???

With the Internet World these days, I am surprised there isn't more invaid transactions. I would love to do Online Bill Pay, but so afraid of some electronic error. Surely the bank will make your account good. There was one time my bank cleared a check I wrote over a year ago. Checks are only good for 3 months. I called the bank, and they took the money out of the account that cashed the check and gave me back my money.
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Old 11-15-2005, 08:22 AM   #4
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That happend to me not long ago, yes the bank refunded me the money and closed my account and opend a new. I am allways careful, but if you used a checkcard and the people that you buy from and they are not careful someone could get ahold of your info well...you know what happens.
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Old 11-15-2005, 08:38 AM   #5
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this happened to me about a year ago but it showed that i was 2,000 dollars in the hole my husband freaked completely out and this was on a sat night around 11 so we couldnt contact the bank until monday. So he called and canceled the debit cards over the phone and when monday rolled around and we called the bank it was all an atm error so then we had to go through the whole process of getting new cards it was a HUGE pain.
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Old 11-15-2005, 08:58 AM   #6
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Quote:
Originally Posted by luzangela428
Anyone that has worked for a bank or has experience...yesterday I went to the bank and it was overdrawn...I couldn't figure out how this happened and the automated system wasn't giving me my transactions past Sat., so I depsotied money so nothing would bounce and went to the bank before work...they still weren't open and so from work I called and there were 8 trasactions for 6.95, 4 for 20.00 and 2 for 10.00 all taken out from 2 companies (the first 2 were the same company) and the other was from another....I called the bank and they gave me the # and told me if they don't refund me I will have to go file a regulation E form. Of course I got machine on BOTH numbers and I will have to go to the bank later on today but does anyone know how this process works??? Do they refund my money and then go after the company, do I have any protection here???? I can't even imagine how they got my information???
This happened to me back in April..Someone stole my debit card info and were using it to buy phone cards, and those Cell phones you buy minutes for..I called my bank and they put a stop payment on the phone cards, and with everything else they sent me to their fraud department. I filled out everything, let them know that I would fight this all the way( the bank then gave me a credit for most of my money) However, I had to wait for the fraud paper's to get processed for the rest( ALL THE CHARGES CAME FROM VIETNAM, PARIS, AND BANGLODESH). The person who stole my idenity and money hacked into my comp, and locked me out. His/her name is Kao Dang, he or she has since tried to order more thing's, have had thing's sent to my house to try to establish residence. I am now in contact with my local FBI office every time something comes to my house with his name on it, or that I have never ordered. I had to clothes that account, get a new debit card...I have a better fire wall, I shred EVERYTHING!!!! I never save a credit card, or debit card number to a site who doesn't have a secure transaction page, and or insurance for if their site is hacked into...If I go to a store and it isn't a Chain STORE..ie...Target, Giant, or Lane Bryant..I PAY IN CASH..This is the world we live in....
I am sorry that your money went missing. I hope that this has not happen to you, I hope it is a mistake...This is a BLEEP to go through, and once you are in it, it is hard to overcome; especially in a short time. Wish you the Best of Luck!!
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Last edited by PlatinumYorkies; 11-15-2005 at 09:00 AM. Reason: spelling
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Old 11-15-2005, 09:02 AM   #7
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That happened to me once and I found out that it was from when I had ordered something from Victoria's Secret. You know how they offer you free magazines as a trial. Well, what they don't tell you is that after the trial is up, they start charging you, without contacting you to let you know or to see if you want to continue. I had to call about 5 different #s before I got it cleared up and even then I didn't get all my $$ back!
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Old 11-15-2005, 09:46 AM   #8
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OMG!! I cant believe that!!! I hope that you get every last penny back and nail the sucker who did that to you!!!!
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Old 11-15-2005, 10:03 AM   #9
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I work at a bank and a lot of times with 1-800 numbers like that if you keep pressing 0 you normally get through.
The best thing to do is to go ahead and file the E form since they were unauthorized.
Nine times out of ten you will not be able to speak to a representative.
Normally the 1800 number is just the bill company other companys go through. almost like a 3rd party.
One thing you might want to do is to put stop payments out on the company's so they cant take out anymore money.
Things like that happen often.
Sorry this happen to you!
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Old 11-15-2005, 10:06 AM   #10
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Quote:
Originally Posted by luzangela428
Do they refund my money and then go after the company, do I have any protection here???? I can't even imagine how they got my information???
That is how it works here, we give you the money back then they investigate the company that took it from you. Some places you have to fill out a police report. Sometimes it can be from where you buy something online or register for something and give your info out and then that same company under a different name takes more then what they should.
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Old 11-15-2005, 10:07 AM   #11
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I worked for a bank for 4 years before going to the school system I would close my checking acc. as soon as possible!!
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Old 11-15-2005, 10:14 AM   #12
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WOW, that scares the S@#~ out of me,,that so many of you have experienced this! Scary!!
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Old 11-15-2005, 10:18 AM   #13
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Wow that is really scary! People that steal other people's hard earned money...it just boggles my mind. I hope everything works out for you asap!
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Old 11-15-2005, 10:27 AM   #14
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There seems to be a lot of that going around lately. Especially with cash cards. I went to use mine last week and it was declined, so I stopped by my bank. Someone was charging stuff in Sante Fe - Sears, etc... My bank caught it before I did and froze my account. When I got home there were 2 calls where they had been trying to reach me! Way to go Two Rivers Bank!!!!!

My BF was paying her bills the Friday before, and there were $8000 in charges to her bank card. She had overdraft protection, so everytime her account was depleted, the bank would put more money in. Her bank never caught it - she had to bring it to their attention! (At least her theft was having more fun than mine. They were partying it up in Cancun! )

Neither of us use our cards on the Internet, so the banks seem to think it was someone locally stealing numbers and creating new cards or something. Meanwhile, the FDIC covers your loss. That was last Thursday, and account has already been credited.

You work so hard for your money, and then some jerk thinks they can just take it! Really sucks! If only they would use their energy for good instead of evil.

Good luck. I hope you get it cleared up out without too much hassle!
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Old 11-15-2005, 12:12 PM   #15
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I just went through this 3 weeks ago. I did have to close my checking account. The total amount that had been stolen from my account was $407.00. I was in aww. I did have some paperwork to fill out and luckily the people at the bank helped me fill it out. I received my money back. So it was worth it to close out the account and spend time on the paperwork.

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