Holy effing shits

[eclaires]

I wonder if it was an account error vs fraud. A friend had a transfer with numbers transposed and it was a large amount.

Still the bank better take care of it immediately. Good luck!

[aurora]

Grrr...GBCN ate my post.

I can understand why you're worried sick but you should be OK. I've had both CC's and a checking account used fraudulently and every time I have not even had to pay the $50 I may or may not have been technically liable for. It might take a couple of weeks to sort out, though.

Please do let us know when everything turns out OK!

[Velar Fricative]

Apr 18, 2013 10:29:48 GMT -5 @publius said:

Apparently some guy went to a bank teller with an ID bearing H's name and address, withdrew $10k and got a temporary ATM card and pin. This is a nightmare. I don't know if they have his SSN or not but this seems to be more of identity theft than card duping.

OMG! And did the person do this in the US? Sorry, you may have mentioned already but I forgot.

[bugandbibs]

What an awful situation!

[twotrue]

I'm so sorry. What a nightmare! I had a card stolen once and within 5 hours the cc company was calling to ask if I had really purchased $200 in cigarettes. I can't believe no one caught this. I hope everything is fixed soon!

[Deleted]

Apr 18, 2013 10:29:48 GMT -5 @publius said:

Apparently some guy went to a bank teller with an ID bearing H's name and address, withdrew $10k and got a temporary ATM card and pin. This is a nightmare. I don't know if they have his SSN or not but this seems to be more of identity theft than card duping.

Not alleging he is at fault, but did he have any heated interactions with anyone?  A friend of mine got into it with a student worker at her college.  Soon after, the woman stole her identity.  She gained access, illegally, to her records.  The police were searching for her for awhile when she made an online dating account in friends name and men were calling her home for dates.  They were able to trace her from the online interactions.

[Velar Fricative]

Apr 18, 2013 10:37:54 GMT -5 @publius said:

Apr 18, 2013 10:34:02 GMT -5 Velar Fricative said:

OMG! And did the person do this in the US? Sorry, you may have mentioned already but I forgot.

In CT.

I don't recall you ever mentioning that you've lived in CT - is your H from there? I assume you have your overseas address on your account so I'd like to know how hard the bank teller questioned whatever ID the fucker showed (probably not very hard).

It's looking more and more like the bank fucked up enough that you shouldn't owe a penny for any of this.

[Deleted]

Apr 18, 2013 9:39:50 GMT -5 PinkSquirrel said:

Apr 18, 2013 9:30:52 GMT -5 meshaliuknits said:

OMG that is AWFUL! I'm so sorry.

Is there no monitoring system on debit cards? With my credit card I regularly get phone calls to make sure it's me using the card if I go to two different pet stores in the same day. I can't imagine something like this being missed.

My bank monitors debit cards.  There was fradulent activity on my H's debit card a month or so ago, we got a call right away and a new card was issued. 

Mr man got a call from Wachovia back in the day because someone bought 5k in camping shit with his debit card. They had reversed the charges in the time it took for mr man to say, nope, wasn't me and for me to log into his account and check the balance. They've had my love ever since.

[Deleted]

Apr 18, 2013 10:42:26 GMT -5 Velar Fricative said:

Apr 18, 2013 10:37:54 GMT -5 @publius said:

In CT.

I don't recall you ever mentioning that you've lived in CT - is your H from there? I assume you have your overseas address on your account so I'd like to know how hard the bank teller questioned whatever ID the fucker showed (probably not very hard).

It's looking more and more like the bank fucked up enough that you shouldn't owe a penny for any of this.

Of course she shouldn't owe a penny but bank branches aren't looking up where you're from before deciding how hard to stare at your ID. People travel. Business people, vacationers, military, etc. The bank's fraud alert software is clearly hinky though that they didn't catch it. I mean who buys from more than one jewelry store in the course of two days?

[EloiseWeenie]

I swear that BOA issues my parents a new credit card every 4 months, because there is always some random charge that my parents didn't make.

Navy Fed was our CU when our accounts were drained. They returned our money, but still made us pay a couple hundred in fees from when they closed our account, but our checks we had sent out for bills (before the theft) hadn't cleared. We were pissed, so they've only seen $5 in our accounts for the past 6 years. Suck it, Navy Fed!

[Velar Fricative]

Apr 18, 2013 10:45:37 GMT -5 @habbsies said:

Apr 18, 2013 10:42:26 GMT -5 Velar Fricative said:

I don't recall you ever mentioning that you've lived in CT - is your H from there? I assume you have your overseas address on your account so I'd like to know how hard the bank teller questioned whatever ID the fucker showed (probably not very hard).

It's looking more and more like the bank fucked up enough that you shouldn't owe a penny for any of this.

Of course she shouldn't owe a penny but bank branches aren't looking up where you're from before deciding how hard to stare at your ID. People travel. Business people, vacationers, military, etc. The bank's fraud alert software is clearly hinky though that they didn't catch it. I mean who buys from more than one jewelry store in the course of two days?

It just seems odd to me that it there wasn't an alert or that the teller didn't flag this as weird. I've never experienced this but I would assume that if you're looking at an ID from a different country than the country listed as the address, things would be looked at by bank staff a bit closer, even if it's not a rigorous process. 

[EloiseWeenie]

Apr 18, 2013 10:45:37 GMT -5 @habbsies said:

Apr 18, 2013 10:42:26 GMT -5 Velar Fricative said:

I don't recall you ever mentioning that you've lived in CT - is your H from there? I assume you have your overseas address on your account so I'd like to know how hard the bank teller questioned whatever ID the fucker showed (probably not very hard).

It's looking more and more like the bank fucked up enough that you shouldn't owe a penny for any of this.

Of course she shouldn't owe a penny but bank branches aren't looking up where you're from before deciding how hard to stare at your ID. People travel. Business people, vacationers, military, etc. The bank's fraud alert software is clearly hinky though that they didn't catch it. I mean who buys from more than one jewelry store in the course of two days?

But that size withdraw should have raised flags. My H is a CU manager, and his employees would have been asking all sorts of questions, and looking at account activity before releasing any large amount of money (really, anything more than a few hundred dollars). 

[Deleted]

Apr 18, 2013 10:50:37 GMT -5 Velar Fricative said:

It just seems odd to me that it there wasn't an alert or that the teller didn't flag this as weird. I've never experienced this but I would assume that if you're looking at an ID from a different country than the country listed as the address, things would be looked at by bank staff a bit closer, even if it's not a rigorous process. 

What's weird is that the bank manager found the ID odd and shut down the account access but didn't notify anyone or call publius and tell them what happened.

The ID thing itself doesn't strike me as weird. I don't even know that most tellers bother to check addresses, much less if the address matches wherever the ID is from. But I use my military ID the majority of the time. No address to match.

[EloiseWeenie]

Apr 18, 2013 10:56:03 GMT -5 @publius said:

They have his SSN. They were successful in opening a credit card at Zales the day before they went to the bank. Joy.

Assholes. Put a security freeze on your credit ASAP. I would get one for you too, just in case. You can lift it whenever you open credit elsewhere, and then reinstate it.

[msmerymac]

Apr 18, 2013 9:30:52 GMT -5 meshaliuknits said:

OMG that is AWFUL! I'm so sorry.

Is there no monitoring system on debit cards? With my credit card I regularly get phone calls to make sure it's me using the card if I go to two different pet stores in the same day. I can't imagine something like this being missed.

Someone tried to hook another account up to my account at some point and transfer $500 electronically. My bank saw it, canceled it on their own, and called me about it. 

Plus I always call my bank and credit cards if I'll be out of the country or something. My husband forgot to do that once and his debit card was frozen immediately!

[Velar Fricative]

Oh no. I wouldn't know what to do in this situation but I hope things everything gets resolved asap.

[Deleted]

Apr 18, 2013 10:56:20 GMT -5 @mx said:

Sorry this happened. It is a huge PITA even though you do eventually get the money back.

I have found that whatever algorithm the banks use to catch fraud works well for unauthorized (and plenty of %^##% authorized) overseas purchases but has a huge blind spot for unusual US purchases while the cardholder is not in the country. I have twice had fraud on my account during an extended time outside of the US, during which time the company had been informed that I would be outside of the US and using my card exclusively in countries A and B. Moreover this is an account I use exclusively for travel so there is zero history of use in the US. The software that catches this stuff does not seem to consider whether the cardholder is supposed to be in the US or has a transactional history of regular use in the US.

I hope you guys can get to the bottom of this soon!

It's so weird that it seems to work the reverse though. Because I usually get at least two calls within a few weeks of mr man deploying asking if he swiped his card in Kuwait.

[Melissa W.]

I used to have to make those calls to customers and it sucks.

[pescalita]

Apr 18, 2013 9:48:36 GMT -5 @vanessadoof said:

I would be so mad, too! The above poster is correct, the bank has to eat the fraud. They actually would have to even if it wasn't within their control (well, as long as it was clear/proven that it was in fact fraud). Like here, a grocery store just screwed up and tens of thousands in fraud was perpetrated do to improper handling of debit card data. Any of the banks holding those debit cards have to eat it.

Also, $63,000 was made via ATM withdrawals? Is that right? How is that even possible? I'm pretty sure Commerce only lets me draw $700 cash on any given day. I could be wrong.

Regardless, I'm so pissed for you and hope it's all sorted out soon.

While the cardholder will be made whole, the bank will not eat it. They will go after the merchant and should get most of it back. Onus is on the merchant to verify payment. If that grocery store got the bank to eat the $, it must have been some kind of settlement.

[Deleted]

Apr 18, 2013 11:06:33 GMT -5 @publius said:

Does anyone know if you can file a police report via the telephone?

If your bank is worth a shit, their fraud department should be helping to handle all this for you, if not outright handling all of it.

Have they put the money back yet?

[Deleted]

Apr 18, 2013 11:30:11 GMT -5 @publius said:

Apr 18, 2013 11:23:34 GMT -5 @habbsies said:

If your bank is worth a shit, their fraud department should be helping to handle all this for you, if not outright handling all of it.

Have they put the money back yet?

they said it should be back in the next 48 hours. The account will be frozen until the investigation is completed, which could take six weeks. Good thing we don't have bills to pay before then or anything /sarcasm.

They froze the account?? Until the investigation in completely??

What the fucking shit? Who is this fuckwit bank?

When mr man's account was janked, they simply changed all the numbers and let him carry on. Now they made it clear that if they determined it wasn't fraud, they would come back for all that scratch. But they weren't tools. However, US Bank froze my account over an error with Sprint. I couldn't get either of them to fix it for about six weeks. I changed banks.

I cannot believe they are treating you like this given how much money you keep in you account. That's offensive.

[Deleted]

Welcome to the game! Its called - Bank, Insurance, Police!

The bank says the insurance will cover it, the insurance says speak to the police, the police say its the banks fault!

That was my experience in the UK. Guess who didn't get their money back?

Hopefully that wont happen to you.

[caden]

Omg I'm so sorry. What a giant PITA. I hope they fix it for you quickly. I had a CC stolen and didnt have to pay but it was a pain to go through the process. Hopefully your bank is better. You must be so stressed out. ((((Hugs)))))

[lilmgirl]

Holy crap! I'm so sorry I hope the bank remedies this quickly for you. I can't imagine the feeling of violation.

[MixedBerryJam]

Apr 18, 2013 9:25:47 GMT -5 annieblah said:

Good luck and, tinfoil hat, if they didn't call you...internal theft? I hope it gets settled soon!

I was wondering this myself. I'm really sorry you're having to deal with this, especially if you're overseas! Good luck!

[josieposy]

So sorry!

[WOT?*]

What bank is it, if you want to/can say? That is effed up and if it's one I bank with I'd want to know. I know there have been people complaining about the bank we primarily bank with (national presence with lousy fees but not BofA or US Bank) but we've not had any problems in the fifteen or so years we've been with them. If this is how they do business I wouldn't want my money there. You're doing the work, they're holding your money hostage, they're doing everything *wrong* in the name of customer service to make up for the wrong they did in blocking an account and not telling you as the accountholder that it is blocked and why - let alone that any money was removed fraudulently, which you ALSO had to discover yourself. Idiots.

[Black Lavender]

Apr 18, 2013 10:51:23 GMT -5 EloiseWeenie said:

Apr 18, 2013 10:45:37 GMT -5 @habbsies said:

Of course she shouldn't owe a penny but bank branches aren't looking up where you're from before deciding how hard to stare at your ID. People travel. Business people, vacationers, military, etc. The bank's fraud alert software is clearly hinky though that they didn't catch it. I mean who buys from more than one jewelry store in the course of two days?

But that size withdraw should have raised flags. My H is a CU manager, and his employees would have been asking all sorts of questions, and looking at account activity before releasing any large amount of money (really, anything more than a few hundred dollars). 

This x10,000!! First of all, any transaction near or above the CTR level of $10,000 should have drawn extra scrutiny, more than one person should have looked at this transaction and the signatures should have been a dead on balls match! Add me to the group that is just absolutely livid over this for you! WTF?!?!?!

[emisi]

Apr 18, 2013 11:30:11 GMT -5 @publius said:

Apr 18, 2013 11:23:34 GMT -5 @habbsies said:

If your bank is worth a shit, their fraud department should be helping to handle all this for you, if not outright handling all of it.

Have they put the money back yet?

they said it should be back in the next 48 hours. The account will be frozen until the investigation is completed, which could take six weeks. Good thing we don't have bills to pay before then or anything /sarcasm.

Wow, that is NOT acceptable. I'd be raising holy hell if they froze my account for six weeks. So many payments would bounce. You should call back and try to get that asinine policy reversed.

Sent from my Nexus 4 using proboards

[MrsAxilla]

Apr 18, 2013 13:43:35 GMT -5 asdfjkl said:

Ironically enough, my CC was just declined while I was trying to get out of a fucking parking garage.  Line of cars behind me.  It was awful.  Called them up and they said they'd put a hold on it because it was being used in California and Chicago at the same time.  Explained that there are two cards, one for me and one for my husband, I am in Chicago and he is on business in California.  I'm glad they're so cautious, but uh... Imma need you to call me BEFORE you shut it off because Chicagoans no like to be held up at the parking garage gate for someone's CC being declined.

Lol!  This is one of my recurring nightmares.