Thread started by FuzzBeast at 04.29.09 - 3:59 pm

it sucks. I got woken up by my bank this morning asking me about some charges that were definitely not mine (considering I have no money to spend). Fuckers ran up nearly 700 dollars worth of crap on my card 'fore anything happened, now I gotta deal with all that as wel as get a new card, all while in the process of moving out of my apartment. so annoying.

According to the bank (credit union actually), I should get my money back as soon as I file a disputed transaction form, however I cannot do this until the actual charges show up on my account, why is it the card service and the bank can see these transactions, but I cannot? Cmon technology, seriously.



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doesnt that happen when you use your debit card like a credit card?



ruinedbyidiots
04.29.09 - 4:01 pm

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doesnt what happen?

I don't know, I don't have any money, so I only use the card occasionally (like once a week) to get cash from an atm, I then live off said cash.
The charges are definitely not mine, now I have to wait for the friggin account to update so I can get my small pittance of money back.



FuzzBeast
04.29.09 - 4:03 pm

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I was actually a debit card fraud investigator one point for wamu for a couple years, just sign the affidavit that u need to sign in order for the bank to recognize that there were unauthorized transactions done on ur account and any over draft fees that were incurred due to them need to be placed back into ur account due to them not being yours. youll get the provisional funds placed back into ur account in 3-7 buissness days. After the invesitagtion the provisional funds will be urs to keep. itll be a fairly quick process. You cant see the transaction on ur account because they havent been processed its still on the visa/master system pending...



Debut213
04.29.09 - 4:10 pm

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i used my debit card at the sushi place and they rang it up as credit. it didnt show up on my online statement until they added up all the credit card purchases (which was a few days later).



ruinedbyidiots
04.29.09 - 4:11 pm

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I've seen transactions hit customers accounts about 30 days after the transaction took place.



Debut213
04.29.09 - 4:13 pm

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JEEEZUS!!!! This is the fourth person I've heard this happen to this week!!
What's goin' on???



BICYKILLER
04.29.09 - 4:14 pm

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What there going to do based on what codes come up on visa/master card system theyll either just write off the transaction and give u the money no questions asked or they will order copies of the sales receipt and compare the signatures on the affifavit that you send in and the handwriting on the sales reciept .. if you did it remember not to sign the same way u usually do..



Debut213
04.29.09 - 4:17 pm

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Guys there so many loop holes in the bank system to get free shit, it ant even funny... ya'll dont really know how easy white collar crimes really are.....



Debut213
04.29.09 - 4:19 pm

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None of this was me, was all in washington state somewhere and over the internets.

now I just need to play a waiting game while I wait for the shit to get posted to my account. in the mean time, I guess I'm going to have to use a check at the bank to get some cash so i can finish moving out of my appt (which is why this happened at such a horrible time).



FuzzBeast
04.29.09 - 4:51 pm

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It could be worse, Fuzz.
I once had my bank account cleaned out (nearly $4500 at the time) while I was driving across the country. What made things worse was the fact that the charges were made in Tuscon, while I was in Denver. I had one hell of an ordeal trying to prove that I had never been through Arizona. On top of that, it was my birthday.
Credit unions are pretty good about helping their customers recover their monies.



SPOOK
04.29.09 - 5:08 pm

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yeah, I'm not worried about getting it back.
it's just bad timing. that's all.



FuzzBeast
04.29.09 - 5:09 pm

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Fuzz call the bank ask them to transfer you to the proper department where they process the fraudualent claims and have them expedite the claim. I used to process customers claims quicker if they gave me some sob story about how they needed the provisional funds to live, some would even cry for effects and blah blah blah, so I would process their claim the same day I recieved it on my desk....



Debut213
04.29.09 - 5:16 pm

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I'm saying debut is I just gotta wait for it to post, my credit union is pretty good about that, it should be up in the next 24 hrs, if it was today, if it was last night, then most definitely. My parents and sister have had to both go through with this before, so I know how long they take, I should have my money back by Friday or so, like I said it's more about not having a functioning card right now, and some other bullshit that's more frustrating.




FuzzBeast
04.29.09 - 6:03 pm

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Bad timing, sorry to hear that Fuzz. Hey, if you need any help moving gimme a call.

I've had my credit card numbers stolen a couple times online. They've always been really cool and just credited it on the spot. Like debut says, seems pretty easy to abuse the system...

Debut, you ridin tonight? Train or Chinatown?



Eric Hair
04.29.09 - 6:19 pm

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Cant make it tonight to the Mosey. They leave too early and I get out of work too late to attend. Ive always wanted to do a barchopz ride though, maybe next time around.....



Debut213
04.29.09 - 6:25 pm

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Go to barchopz.
If you don't like it, I'll but you a tallboy.



rayrayray
04.29.09 - 6:27 pm

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