Apparently I've Been Robbed

On a whim, I decided to check my accounts online to make sure my payments and deposits were up to date. Credit card seemed right, but I noticed my savings account was a little lower than it should be. Checked the savings account to see what was the matter and it says there was a transfer of $200 yesterday from an ATM. First off, I have never used an ATM in my life, and second, I have never heard of the account that the $200 was transferred to.

It's too late to actually talk to anyone in customer service and the damn banks are closed tomorrow, so I have to wait till monday to actually go there and deal with this shit. I have no clue how some piece of shit mother fucker got my account number and even then how they would use it at an ATM seeing as I have never set it up to be used at an ATM or even know if there is a code if I wanted to use an ATM. Has anyone else ever had this shit happen to them, and if so, how easy was it to get it taken care of. What worries me, is if they were able to do this once, what's stopping them from cleaning me out. God I fuckin hate people some time and want to shoot the mother fucker who did this.

why do you keep getting into these wacky situations?

Sorry to hear about this... hope you get your money back.

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Originally Posted by Cowutopia

why do you keep getting into these wacky situations?

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Seriously, it has been a fucked up year.

This happened to me last week, only they got $500. Just call your bank, they can refund the money if it seems reasonable that it wasn't you. They probably won't give you a hard time, this happens constantly.

How do you use an ATM machine to transfer funds to another account, and if you were using an ATM to run a scam why the fuck wouldn't you just get cash?

Anyway, banks are pretty good at sorting this shit out nowadays. One of my friends had his account emptied on some identity theft shit and they fixed it right up. Took about 2 weeks though.

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Originally Posted by Frogacuda

How do you use an ATM machine to transfer funds to another account, and if you were using an ATM to run a scam why the fuck wouldn't you just get cash?

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Yeah, I'm kind of curious about this myself. I guess it could just be a technical problem, but it clearly says transfer to account #xxxx on 9/12 via ATM. Either way, I'm getting this shit sorted out asap.

EDIT: Well hopefully this is all already being taken care of... at least I hope. The transfer section of their site is saying that it is under maintenance and that transfers to outside the bank are unavailable for views. So they had a problem and are taking care of it I hope. Hopefully it is not a much larger problem going on though.

I check my account daily in case of shit like this. Once on my account, a $100 charge for a gas station in East Elmhurst, NY had posted- it listed a street address with no city, and I used Scroogle to find the city and state. I've never been in the state of New York- RED FLAG. I knew some prick had gotten my account number (How?). I headed to the bank next afternoon to dispute the charge.

They knew just what was up, and I ended up getting all of the money back in a few days.

StriderKyo: $500? Damn. Should someone get that much out of my account, I'd be fighting a strong urge to pimp slap the bastard if I got to see him in court.

Identity thieves deserve life in prison with no parole. Lock them up and melt the key. One who goes around ruining others' lives like that deserves no second chance.

Happened to me earlier in the year, the charged 300 bucks at 2 Walmart 5 states over for me in 1 night, They attempted a third but my bank called me to ask me if that was me. Since it wasn't they canceled my card on the spot, and I went in the next morning filled out some paper work and got my money back.

Happened to me as well, no idea how.

They took 400 in 2 days, in Montreal.

Called the bank first thing in the morning, they changed accounts, credited me the money and, apart from waiting for a new Debit card, it wasn't too bad.

Someone helped themselves to about $2K of my debit account earlier this year. The money was put back after a little paperwork and a few weeks of waiting. Honestly, the biggest inconvenience that you have to look forward to is being without a debit card for a while, especially if the account/card is involved in automatic bill payment for anything.

Where's the use/threat of force against Cap in this thread?

It very well could have been a company handling your SS# and they lost it or got a breach. 2 months ago, we got an email from our benefits wench saying that the handlers for our benefits lost HALF of the SS#s they maintain on a flash drive. So everyone in our company got 2 free years of identity theft protection from one of those protection companies from the idiot company.

So far, all it's done is send us a pound of mail with credit reports, history and all kinds of shit confirming the monitoring.

Cap, dude, you have no luck this year. :(

Thats a reason why I just shred all paper works with my name and personal information. Even junk advertisement mail and packages I receive. I rip off my name and address off those papers. Chuck the rest and shred anything personal.

Also, why $200 or $500? Unless thats all you had but why not clean you out completely? I guess it would throw a red flag to both accounts. Whats stupid is that if the person was stealing from you and he transferred it to his bank account, couldnt they find out and catch him? If I was robbing you, I would clean you out and take cash out from the ATM.

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Originally Posted by ElCapitan

Has anyone else ever had this shit happen to them, and if so, how easy was it to get it taken care of. What worries me, is if they were able to do this once, what's stopping them from cleaning me out.

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It's really easy to take care of, you will file a dispute with your bank and if it does appear to be a fraudulent charge you will get your money back. It should only take a week or two. This happened to me a few months ago, someone purchased 3 flights from an Argentinean airline using my debit card and everything got resolved quickly.

If this wasn't some sort of mistake on the banks part I recommend calling Equifax and putting out a fraud alert in your name. That way if anyone tries to open any sort of account in your name using your information you have to be notified before the account can be created. Losing $200 is one thing, getting your credit ruined if someone DOES have your information is way worse.

I once had a $50k mutual fund just disappear completely for about a week.
After flipping out on about a dozen different useless bank employees I finally got it sorted out.
Someone at RBC apparently 'borrowed' money from dozens of customers in order to make some sort of investment of their own.
I really should have demanded some kind of compensation, but I was so relieved to have my money back that I didn't bother.

Looks like I'll have to wait till tomorrow to find out what is going on, but I am hoping it is just some technical glitch on the banks side. I mean, I don't even think you can make transfers via ATM.

it was the genre label on itunes, go kick its ass and demand your money back

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Originally Posted by cka

it was the genre label on itunes, go kick its ass and demand your money back

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Fuckin iTunes 8. Just another reason for me to hate that shit.

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Originally Posted by ElCapitan

It's too late to actually talk to anyone in customer service and the damn banks are closed tomorrow, so I have to wait till monday to actually go there and deal with this shit.

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bank fraud lines are open 24 hours.

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Originally Posted by B-Ri

bank fraud lines are open 24 hours.

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Meh. I'd rather deal with this in person.

so youd rather wait, possibly lose more money, and have to physically move and deal with people, when you can instead call, say "i got money missing" and then get it credited back into your account instantly and be over it as the bank runs in circles trying to get THEIR money back?

Ok sure.

They're going to tell you to call the number.

Call the number to establish a problem has occurred. Then follow it up and resolve it in person. It helps your case, I would think, by calling immediately because it shows you are a bit panicked about the situation.

Not calling as soon as you find out is basically retarded.

Problem solved. They fucked up. Case closed.

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Originally Posted by ElCapitan

I have never used an ATM in my life

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what? how?