351mach11647545510 Posted January 28, 2008 Report Share Posted January 28, 2008 So I called to check my bank account saturday to make sure it lined up with what I had figured and it was overdrawn with a pending charge for $155.xx which I knew was not me. I then proceed to customer service where they tell me they cant tell me what the charge is for because it is still pending and that I would have to check back on monday (today) when it cleared to find out what it was. So I get off of work today, where I had in-service and they just happened to be going over identity theft, and now there are 3 more large charges and they all are originating out of new york. I demanded that the account be closed and was told I couldnt because of pending charges, so I then have to argue with the dumbass teller and make a scene just to get her to fucking freeze the account. I'm so sick I dont know what to do because now I dont have money for gas or to pay my bills and I had to cancel my checks direct deposit just so the continuos negative balance didnt take all of my check and now wont recieve a paper check for another week. I filed a dispute and a police report but I dont know where to go from here other than check my credit and freeze all my accounts. Has anyone ever been through this before? Another thing that puzzles me is 2 of the transactions were at gas stations. wouldnt you need a physical card for that? I have the only card (or so I thought) to my account. Quote Link to comment Share on other sites More sharing options...
Alex1647545498 Posted January 28, 2008 Report Share Posted January 28, 2008 You would think they would need a card for that. Don't know how they would get another card but anything is possible. I've never had to go through that before so don't know what you would do other than google and see if the bank would refund you. Quote Link to comment Share on other sites More sharing options...
Supplicium Posted January 28, 2008 Report Share Posted January 28, 2008 bank should be able to refund your money. my buddies gf went threw the same deal and the bank refunded her account within 24hrs. just close the account and transfer it to a new acct number Quote Link to comment Share on other sites More sharing options...
Tractor Posted January 28, 2008 Report Share Posted January 28, 2008 Your the 2nd person I've heard of in the last weeks that has had ID theft that has been located to NY. Other person was having pizzas ordered with their ID. They were even opening other accounts and ordering pizza on those too. Evan Quote Link to comment Share on other sites More sharing options...
HotCarl Posted January 28, 2008 Report Share Posted January 28, 2008 It is possible to put a freeze on your credit bureu profiles aswell. If they have your card information they most likely have or can gain access to your social security number and open addittional cards without your knowlege of it. Quote Link to comment Share on other sites More sharing options...
351mach11647545510 Posted January 29, 2008 Author Report Share Posted January 29, 2008 how do I do this? Quote Link to comment Share on other sites More sharing options...
HotCarl Posted January 29, 2008 Report Share Posted January 29, 2008 Contact the credit bureu's. I remember reading about it in a finance book like 2 years ago and have no idea what it was called. Its a great way to protect yourself but it will be a PITA to get a new card if you want in the near future. Quote Link to comment Share on other sites More sharing options...
351mach11647545510 Posted January 29, 2008 Author Report Share Posted January 29, 2008 i dont care about credit cards and stuff. I'm paying off the ones I have now and not opening another one. If I dont have cash for something then I probably dont really need it. Quote Link to comment Share on other sites More sharing options...
KillJoy Posted January 29, 2008 Report Share Posted January 29, 2008 Who is the bank? If you can prove (ie work) that you were here, then they will most likely refund your $$$. Credit Cards can be faked. That is why I HATE paying by CC at a restaurant. All information needed to make a fake card is right there on it. Best od luck! :thumbup: KillJoy Quote Link to comment Share on other sites More sharing options...
Dr. Apex Posted January 29, 2008 Report Share Posted January 29, 2008 File a police report and follow through with it, they will likely never find the person but they can at least stop it. You will likely need the report to get your money back and definitely contact the credit bureaus so they can monitor your credit just in case. My sister just went through this and it's a PITA!!! It took a couple weeks for her to get her money back though and it may take that long for you. Quote Link to comment Share on other sites More sharing options...
verse Posted January 29, 2008 Report Share Posted January 29, 2008 My wife had this happen and it literally took like 15 minutes for them to cancel the account and card and setup another account and send her another card. Just as easy as that. This was Huntington Bank. Quote Link to comment Share on other sites More sharing options...
351mach11647545510 Posted January 29, 2008 Author Report Share Posted January 29, 2008 national city. and I already filed a police report. I was told at work to file one with osp yesterday in a class they were doing that also went over this same crap but was told by osp that they couldnt do it and I would have to do one through city or county. so I did it through cpd. Quote Link to comment Share on other sites More sharing options...
87GT Posted January 30, 2008 Report Share Posted January 30, 2008 It is around $5 extra to get identify theft protection on a fire policy. I suggest you do this so you don't have to deal with all the bullshit. Quote Link to comment Share on other sites More sharing options...
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