Once Bank of America puts the money back in your account, it’s a “temporary credit.” This temporary credit is made permanent ONLY when you fill out the affidavit that they send you and you send it back AND they receive it. I was so flipping mad, that I put the obligatory rant on my Facebook status, and not surprisingly, a lot of people in my friend circle had this happen to them in the past. It was probably run by the thieves.ĭon’t Forget To Fill Out The Affidavits and Send Back Certified Mail The merchant in this case was some shady looking website from Germany. The only way they can reverse them before they clear is by contacting the merchant to try to get them to stop the payment from going through. They’ll start claims for all of those charges to be reversed, but for Bank of America, they couldn’t begin the claim process until those charges had cleared out of my account. Make sure you write down all of the purchases that are unauthorized and the amounts, because they’ll ask you to name all of the ones that were unauthorized. Those are the people you need to talk to. Sign Up NowĪll large banks and even regional banks/credit unions more than likely have a specific identity theft/fraud division. For $79 (or just $1.52 per week), join more than 1 million members and don't miss their upcoming stock picks. Motley Fool Stock Advisor recommendations have an average return of 397%. There may be a specific time period that you have to claim unauthorized transactions, but call and notify them ASAP! After doing some research, I’ve found that the quicker you report unauthorized transactions, the less suspicious the bank is that it was actually you that made the purchases. I had just checked my account online on Friday, but if they hadn’t called me, I probably wouldn’t have checked it again until Monday or Tuesday. The theft occurred on Saturday, so Bank of America was on top of their game.
Unauthorized transactions movie#
I couldn’t sit through that movie knowing what I now knew, so we left the theater, got rain check passes to see the movie another time, and I quickly called Bank of America. Someone hijacked my account or one of our debit card numbers and was buying crap online. I have an iPhone, so I logged into my online banking from the BOA iPhone app, and sure enough, there were two $1,000 purchases and about a dozen smaller charges. My first reaction was that it was a scam, some kind of phishing attempt to get me to call them back and give them personal information acting like they were Bank of America. I listened to the message as we sat down in our seats and it was Bank of America saying there was suspicious activity in my bank account. We were walking into the movie theater about to sit down for a movie, and I got a phone call from a weird phone number. i send a reply again asking are you guys making fun of us ? and no further communication from them.This past weekend, for the first time in my adult life, I was the victim of identity theft. But the reply i received was some help topics on some common issues.
After my phone call i send an email describing the issue and complaining about the customer care representative. What ever system they using is not efficient enough. Everyone keep in mid that their is zero security and Zero buyer protection with paypal. And finally she agreed to send a message to the seller asking for a refund which i think is not going to happen. when i asked her about buyer protection she said she cant give me a refund because their is nothing suspicious in it. I was really upset and tried to convince them that their is some security breaches happening in your system and you need to do a thorough investigation to avoid this in the future and the lady was like i don't care. Then i tried calling them and the lady was so rude and was trying to establish that there is nothing specious and was like i did it by myself. i contacted paypal through the resolution center and they replay me saying they closed the case as thy cant find any suspicious activity. I had the same problem as Kicer, someone hacked my ac and did six transactions, 3 of them £41.85 GBP ( $83.25 AUD ) and another £83.70 GBP($166.50 AUD).
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