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Please OVER protect everything!!

posted 2 years ago in Money
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    1.
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    Dancy905    February 5, 2010  

    This might be long so I'm sorry but I'm so mad right now. I was shaking earlier and after a couple ciggies and a good scream in my bosses office I'm calmer but I still have to vent.   

    About 3hrs ago I get a call from my father - he's at the bank. Apparently there's some a$$h0!& in FL who hacked into my bank account & stole EVERYTHING from my checking & savings accounts. That's right ladies - that's EVERYTHING FI and I have saved for the wedding. There's $2.50 left in my savings account.

    My father went to use the ATM this morning but the machine wasn't accepting his transaction. He went inside and was informed that there's a little less than 10 bucks left at that bank in his name. Of course that's not possible, so they checked into all the accounts in his name. My father's name is attached in joint to my account & it turns out they emptied my account too. We don't know who they got to first. There's over $20k missing from both my checking & savings and they got my parents for nearly $200 thousand. There's over $15k in purchases from Walmart and other large stores in my name. I've been on the phone all morning with my credit card companies, I had a meeting with my HR rep and I'm waiting to hear from my parents before I contact Social Security because whoever this is might have my SS #.

    The silver lining here is that my father - before he retired - was VP of international fraud at a large bank - so of course Dad's on the case and some jerk in Florida has NO IDEA the $h!+storm that's on the way.

    I have ZERO idea how this happened. I don't bank online, I have a special credit card for online purchases, I shred everything with my name on it, I don't get direct deposit from work - geez, I even tear my name off magazines before I throw them out!

    If there's a lesson to be learned here - PLEASE make sure everything you have is protected to the umpteenth degree.

     
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    hilsy85    September 2010  

    OMG that is so scary and SO awful!! I am so so sorry to hear that this happened to you!!! Hopefully with your dad's knowledge you'll be able to recover some of the money, or be reimbursed by the credit companies if they were fraudulant purchases. I hope you find the a**holes that did this.  I"m so sorry again... :(

     
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    cardigan    January 7, 2011   Austin, TX

    OMG!!!!! I am SO sorry! That's so scary!!!

     
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    gabrielleelise1981    August 28, 2010   Portland, Maine

    I’m so sorry you are going through this. A few years ago, the same thing happened to me too…went to my ATM to deposit a check and my balance was less than $3.00. Ughh, it was the most HORRIBLE feeling ever. My bank was really good about reimbursing me the money (it was clearly fraudulent, and wasn’t my fault). Thank goodness your dad has connections!!! For a purchase of 15k, I bet WalMart might even be willing to look into it since they stand to potentially lose $$ too – and I bet they caught whoever did it on camera – let’s hope!!!!!!!!!!!!!!!!!!

     
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    mashka_f1    October 9, 2010   Oklahoma

    Don't ever use your debit card, especially if it is linked to your savings account. I work in the banking software environment, i see this happen all the time. The scary part is, that people get ahold of your real money (savings, checking) you will have hard time getting it back. If someone steals your credit card number, you report it and if you prove the purchases are not yours you are not going to be liable to pay the money back, they will close the account, it will be marked as stolen in your credit report.

    Hope this helps!

    So sorry to hear that this happened especially with all the wedding planning!!! This is just not fun at all!

     
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    Mrs. DG    July 18, 2009   Seattle/Tahoe

    Did someone target your dad because of his previous occupation (revenge kind of thing or challenge of beating the fraud banker?)

    Sounds awful, but I'm hopeful for you!

     
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    MightySapphire      

    Holy cow!!

    I have protections that no more than $600 can be withdrawn on any given day and no more than $600 in purchases can be made on any given day.  Is there any other way to protect your account??  My bank would have denied a $15k Walmart purchase as suspicious...please keep us updated!!

    Anyone else have ideas on how to protect your bank accounts??

     
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    meerkat    December 14, 2010   Riviera Maya, MX / Kalamazoo, MI

    *hugs*  I feel terrible for you.  Keep us posted and let us know if there is anything we can do (stalk the jerk in fl perhaps) that we can do for you!!

     
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    Soon2beeMrsM    October 2010   NY

    Oh my gosh I'm so sorry to hear this! I hope you can get all of your money and your parents money recovered!

    I had my bank card number stolen a few months ago. Thankfully my bank cleared all the charges and gave me my money back and a new card after canceling the old one.

    I hope you get it all worked out!

     
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    moderndaisy    June 2010  

    Oh no, that's awful!!

    Two years ago my wallet was stolen while I was out at lunch. I found out right away (like probably 20 minutes after it happened) and called each credit card one at a time, but by the time I got to the last one (my corporate card), they had already spent $800 at Old Navy and $800 at BB&B! Thank god it was my corporate card..

    Before I moved to NYC I had to move a bunch of money around to pay for the broker fees and set up a loan and noticed a small charge to my checking account once a month, like under $20, to this strange web address. I had no idea what it was so called the # and found out it was an online porn subscription service! Obviously, it wasn't me and the scary thing is that this person actually had my checking account and routing number to pay for it. The bank reimbursed me for I think a few months of the $, but if you don't find it right away there are FDIC limitations on what they will pay back.

     
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    mashka_f1    October 9, 2010   Oklahoma

    Check with your bank to see what kind of Fraud protection they can offer. It might be for a fee, but its always worth it.

    One more thing, maybe Walmart made a mistake it crediting 15k....

     
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    MissAsB    June 6, 2009   Married in CO, Living in AL

    I'm sorry this happened.  Sometimes people can get things even if you don't realize it.  Back in 2008, someone stole my credit cards right before Thanksgiving and ran up a huge dinner and things on Black Friday.  Thankfully with credit cards you aren't out the money at all, but with the bank money, you will probably have to wait 4-6 weeks for the money to be put back in your account.  I would go ahead and put a fraud alert on your credit report in case they try to open new accounts (you only need to contact one of the 3 credit bureaus and they will contact the other two {Experian, Equifax, or Transunion}.  I hope that you can get this resolved soon.  It can be fixed, it just takes time!

     
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    LatteLove    June 19, 2009   Chicago/San Diego

    Wow, this is terrible.  I imagine both you and your dad are feeling very violated and angry!

    I hope you are able to get things cleaered up on the short term and that in the long term you are able to recover some if not all of your stolen funds!

    Thanks for the reminder to be careful!

     
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    ribbons    June 12, 2010  

    That's so violating. It sounds like you've taken every precaution, which makes me wonder how vulnerable we all are. I hope this gets sorted out soon for you.

     
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    Dancy905    February 5, 2010  

    Thanks for the kind words everyone. The update is that they think it's a bank employee who got a hold of some information (prob my Dad's) and was able to manipulate our info. The address on the accounts was changed so somewhere in Pensacola, FL - so even if they called, emailed or sent a letter to confirm the change of information - the contact would've been with the person who changed it in the 1st place.

    The bank said they should be able to refund the money within 6 mos but the woman basically told my father, "oh we dunno who did it, we can give you the $$ back though". As in, they're just gonna let this go. She told my father, "Well, you'd have to fill out a police report and it's a lot of paperwork" etc. My Dad almost flipped on the lady & told her calmly "So fill out the paperwork. This is your job." He's on his way to file a police report now.

    I don't think the Walmart purchase was a lump some of $15k - it was spread out over the week since 1/20.

    @ Mrs. DG - that's a good thought, but my dad retired about 9yrs ago so I doubt that could be it.

     
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    MissAsB    June 6, 2009   Married in CO, Living in AL

    Yeah, he should go ahead and file the police report anyway because that's how things get taken care of.

     
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    Mrs. DG    July 18, 2009   Seattle/Tahoe

    I'm stunned that they don't want to investigate!  I'm so glad that your dad is on the case :)

     
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    MightySapphire      

    Oh whew!!  I'm glad they are giving you the money back!  That is A LOT of money to be out!  I wonder if that conversation would have gone different if your dad wasn't a former fraud investigator??

     
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    otb    December 31, 2009   Chicago, IL

    I can't believe the bank doesn't want to do anything to find the person?!?!  I would think as a bank you would want the pristine reputation of protecting your customers against fraud especially when it's one of their own employees!  That seems absolutely crazy to me!  I would def want to contact some news agency to say that XYZ Bank refuses to try to find who did defrauded you because "It's too much paperwork".

     
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    ejs4y8    June 20, 2009  

    Wow. I had someone hack into my account once but they froze it. IT was a mess. I can't imagine if they'd actually GOTTEN my money.

    Wow. I hope it gets sorted out fast!

     
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    MadiLove918    May 2011   Palm Bay, FL

    First, I am SO very sorry you're having to experience this -- especially right smack dab in planning your very special wedding.  My jaw seriously hit the ground reading this. 

    Something similar happened to a co-worker of mine two weeks ago.  She came to work one night really upset after trying to pay her mortgage and finding out that someone had drained her savings and checking account.  Her husband shares an account with her so the ONLY money they had to their name was the $30 she had in her purse.  Unfortunately for her, her bank was pretty useless in helping them secure information as transactions were still pending and they kept saying there's nothing they could do at that time.  Apparently the thieves (aka scum of the earth, IMO) went on a car speaker shopping spree.  They spent thousands at Crutchfield and some other audio store. 

    Her husband's direct deposited paycheck was about to drop in to their account, which was in the negative already.  She had to scurry to stop the payment so as to avoid having the negative balance suck it up.  Luckily, we work at a hospital with a mini store downstairs and we're able to make purchases using our badges for payroll deduction.  It was the only way she was able to put breakfast on the table and skimp by until she was able to borrow some cash from loved ones. 

    Seriously, I feel this is one of the most heinous things human beings can do.  Seriously!  I had a credit card stolen and maxed out by a FRIEND this time last year and I still have ill feelings from it.  It's a totally violating situation to be in and my heart and best wishes truly go out to you and your family. And tell your dad to KsomeA as he weeds through this!

     
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    zippylef    October 30, 2010   Norfolk, UK

    I'm so sorry! I had someone get my debit card numbers a couple years ago and make a COPY of my card. They swiped a card with my info somewhere in California. They spend $500+ in a Target. Luckily, Visa caught it and were amazing about helping me out.

    I really hope things work out for you and your dad. I hate these scumbags that do this kind of crap to people.

     
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    grace8367    September 6, 2009   Chicago

    Man, that sucks!  Glad you're getting the money back though, at least that's a huge relief.

     
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    lolaj       Queens, NY

    I am so sorry to hear this happened to you. Maybe you can look into an identity protection agency also see if you can have the bank put a limit on yur account for each day.

     
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    naangel55    June 20, 2009   Long Beach, CA

    Wow I am so so sorry that happened to you!!!  Do you know if the bank will cover the losses? My friends account was hacked into and they made a bunch of purchases at Wal Mart too - it took a few weeks but she ended up getting all her money back.

     

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