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Post by Mme de Beaufort on Jun 6, 2008 10:38:05 GMT -5
Last night I tried to get gas on my bank card, and I was declined. I got home and hubby was waiting for me to ask if I'd bought anything from 'Royal Farms' in Maryland. Apparently at that time, two payments of $100 had come out of our account at this place.. two separate stores. We googled Royal Farms and it's a convenience store.
This morning, one more payment went out; DESPITE my being declined for gas the night before... go fig.
Anyway... this is terrible! Watch your personal information. In this economy, people get bolder, apparently. We live so tightly, from paycheck to paycheck, and $300 is a HUGE loss for us. We're going to have to scrape through this pay period on credit, I suppose, and we're going to have to scrimp until we can get this money back somehow.
HORRIBLE!!!!!!!
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Post by dawnluckham on Jun 6, 2008 11:29:06 GMT -5
Call your credit card company and report this. Most of them will cover the loss - it's part of the plan.
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Post by lauren on Jun 6, 2008 11:36:50 GMT -5
OH no!!! Report it to your credit card company. I'm so sorry to hear that.
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Post by Mme de Beaufort on Jun 6, 2008 11:39:30 GMT -5
It's our bank, not our credit card company. They've been taking money from our bank account. We arleady reported it... I have to submit a police report... and sign and notirize some documents, and we'll get a TEMPORARY credit in 10-14 days.......
This is terrible. Our next check is next Friday. This is very bad.
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Post by Val on Jun 6, 2008 13:31:04 GMT -5
It is a PITA when this happens because of all the delays it puts you and your bank/credit thru.
I'm assuming this is your debit card # that was being used since it was drawing directly from your bank account. That's why I was a little leary of starting to use one instead of checks. I've taken too many reports where this happened. And the first thing the bank asks is do you still have your card? And who did you give your PIN to? That makes no difference, the crooks can still bypass that.
We had someone using our credit card for gas down in So America, while we were in Alaska on vacation. But fortunately the bank noticed it, and called us.
I'm sorry this happened to you. And you're right, it's going to happen more often.
I'd advise anyone to be careful if you go to a gas station that tells you to bring your card inside and they enter it manually. That should be a red flag. Go elsewhere for your gas.
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Post by cosmoblue on Jun 6, 2008 17:57:05 GMT -5
How absolutely dreadful. I hope you are able to get everything sorted soon.
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Post by aldybuglvr3 on Jun 9, 2008 22:12:20 GMT -5
I have been through this same thing but through online payments. I can tell you that my bank bent over backwards to help me and my money was returned as a sort of loan very promptly. I had to show that I had filed a report and they credited my money to me. I have seldom been more grateful. The other thing I can tell you is that I was advised to put a fraud alert on my credit report. I feel that this caused me a HUGE problem that, 2 years later, still is hurting me. I dont think I would do it again. Good luck. I hope to hear things get fixed straight away.
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Post by Val on Jun 10, 2008 10:01:57 GMT -5
The other thing I can tell you is that I was advised to put a fraud alert on my credit report. I feel that this caused me a HUGE problem that, 2 years later, still is hurting me. I dont think I would do it again. aldybuglver3, are you saying the actual fraud still hurt you 2 yrs later (as it does take awhile to clear it all up) or that putting a Fraud Alert on your credit report did? That's usually the first thing we recommended to fraud victims, so it doesn't happen again. Although that alert isn't left on indefinitely, it does prevent the crook from doing further damage with your info that he has. |
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Post by Mme de Beaufort on Jun 10, 2008 11:47:23 GMT -5
I had my SS# stolen back in the early nineties, and I still see repercussions of that today. A few years ago, I actually got a pre-approved credit card in the mail in the name of the person who'd stolen my SSN. I flipped a wig, because it was ten years ago; and I'd alerted Experian, Transunion and Equifax, which complicated all other credit matters for me in doing so; and STILL credit card companies are trying to extend credit to this jerk with my SSN.
I haven't seen much on it since then, except when I got my license in Oregon, they had a 'ping' in Florida from this guy... he's apparently driving in FL using my SSN on his license too.
Nobody arrests him... nobody really cares. And the credit companies don't really do anything for you; even after you've done all the bloody legwork they require to put a fraud-alert on your accounts.
I can totally udnerstand how that has a ripple effect years later.
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Post by lauren on Jun 10, 2008 16:05:12 GMT -5
Have you heard anything from your bank? Are they going to help out at all? I hope it works out :-)
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Post by Mme de Beaufort on Jun 10, 2008 17:00:48 GMT -5
My bank is issuing a temporary reimbursement until the finalize their investigation... then they'll either giveth or taketh away; but since there's no chance it was us, they'll giveth I'm quite sure.
I had to submit a police report, and do a number of other things; they're all done. Their insurance claim has been submitted.
I called the Royal Farms HQ and told them all about it too. They're looking into it. It looks like an employee did it; because a cash advance requires a pin and a card from an ATM machine, and they had neither.
On my end, it's fairly resolved. The bank is doing what it can to recoup its losses I'm sure.
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Post by lauren on Jun 10, 2008 18:49:14 GMT -5
Oh good! I'm so glad it's working out. What a scary thing. I hope all else is well.
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Post by aldybuglvr3 on Jun 12, 2008 23:05:54 GMT -5
Val -
The fraud alert caused the problem. During the time it was active, I financed a car. To this day, my credit report shows that that account is derogatory. Of course, that means every time someone looks at my credit, they see a large bad account instead of a good one. It has also affected my score. No matter what I do or who I talk to, it doesnt get resolved. Its very frustrating.
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Post by theachristine on Jun 15, 2008 18:46:26 GMT -5
OH FRIEND! I had no idea any of this happened until I logged in today! Is there anything Craig and I can do to help?
By the way, did I tell you that we recently had somebody get into our trash and take some of our ripped up mail? We found out right away and decided to get LifeLock...though I know that the service they provide can be done for free, we just don't have the time or fortitude to keep up with the alerts and such, so we opted for it. Hearing your story just made me that much happier that we did it.
But anyway, I'm serious about helping in any way that we can...just call me!
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Post by missjulia on Jun 17, 2008 10:59:39 GMT -5
wow that's awful. and it's terrible that the person who is committing a crime gets away with it, while the good folks have to suffer the consequences.
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Post by Mme de Beaufort on Jun 17, 2008 12:29:44 GMT -5
Nobody lost except the bank's insurance company, I'll wager.
The thief still keeps trying to steal money. We've had several more attempts since the first three. The bank has taken to automatically reversing the charges... oddly, they are never declined; despite our turning our cards off.
Irritating.
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Post by georgielee12 on Jun 18, 2008 14:49:45 GMT -5
Watch your check numbers too. My grandparents had someone steal their routing info and use it like a credit card to buy things. I hope everything works out for you.
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Post by Mme de Beaufort on Jun 18, 2008 16:55:28 GMT -5
I've been wondering about that. Because they are still trying to take money.... even though the cards are canceled.
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Where so many hours have been spent in convincing myself that I am right, is there not some reason to fear I may be wrong? ~ Jane Austen 
