Not even my XD could protect me... - XDTalk Forums - Your HS2000/SA-XD Information Source!

Kiel_Everett · 02-28-2007, 05:27 PM

I am soooo ticked off right now! I need to rant and rave somewhere!

Please bare with me. Today at work I logged into my bank account to see if my check went through. Only to find 3 fraudulent checks had been written, 1 adult website charge and a POS debit card tansaction. All fraudulent!! Totaling more than $500.00

I check my account's activity daily, everyday. I was blown away and never thought it could happen to me. This comes just after my g/f and I moving into our new place and finally getting our finances all firgured out and utility accounts set up. What a pain in the butt this is. My truck, credit card and phone are all linked to this account. As well as my g/f's bills. This blows big time. I called the bank to close the account. I transfered the money from that 'joint' account in to my primary. Now we're gonna have to set up another account. The person(s) used two different names on two different checks with two different addresses. IN TWO DIFFERENT STATES!!! That bastard.

Thanks for reading my rant. I guess I am writing more so to inform you guys to be careful with your financial information getting out. You can never be too careful. And, just when you thought it couldn't happen to you, it just might. I had been totally careful with my information and have no clue how this occured. But, all I can do now is deal with it and be even more cautious.

TxPete68 · 02-28-2007, 05:30 PM

Sux... Mayber you should check you credit report, could be a victim of ID theft.

Pete

slugger6 · 02-28-2007, 05:39 PM

That's a real bummer. I'm sorry to hear about your problems. I hope they catch the guy.

db99wj · 02-28-2007, 05:43 PM

Call one of the credit places, transunion and report possible fraud. They will alert the other credit agencies. If the scumbag tries to open a credit card or get a loan or anything were credit is checked, the person doing it will automatically get a hold notice and a message that they need to call the number you provided and ask if you in fact are the person opening the credit line. It is printed on your credit reports as well.

Yes this sucks and it can happen to anyone, including bank branch managers.

I see it everyday and have experienced it.

Trovan · 02-28-2007, 07:05 PM

That's why we don't even have a check book. I have a debit card and a credit card, as does my wife. Checks are no longer secure enough, IMO.

Timmy44221 · 02-28-2007, 07:38 PM

Hmm Im my last apartment we had a break in and had 3 credit cards stolen. THere were four of us that lived there, and it was 1 card from each person, minus me. I always have mine on me. THe credit card company was able to inform us that they were bing used fraugulently before we knew ourselves that they were even gone.

The lesson there is dont try to get gas multiple times in one day on the same cards or they will shut it down.

retired · 03-01-2007, 12:49 AM

In a thread last year I reported I was the victim of identity theft. I received a credit card from GMAC for $5K that I had never applied for. I immediately called them, told them so and had it cancelled. I requested a copy of the application, which they sent me.

Unfortunately it was done over the internet, so there was no signature. The app. had my name, address, DOB and SS. The only slip up (not that the company knew it) was they used my wife's first name as my mom's maiden name.

I'm guessing the bg would have called in a few days, telling the company he hadn't received it and when they would have told him where they sent it, he would have said he had moved and given his address. I was just too quick for him.

The important thing to do as was said is file a report with the credit reporting bureaus. When you notify one, they generally notify the others for you. That gives you a 90 day alert wherein you will have to be called to personally ok any credit transaction. If you file a police report, it will be good for a 7yr fraud alert. Please do it.

blefferd · 03-01-2007, 01:30 AM

how did it happen? did you have your wallett stolen or something? or did someone hack your wifi?

FrankRizzoXD40 · 03-01-2007, 01:52 PM

Usually, depending on the bank, you are only responsible for up to $50 of fraudulent charges in your checking account.

Were you able to get any of the money back?

Sorry to hear about this.

Good luck,

Frank

fastboy · 03-01-2007, 02:21 PM

Sorry to hear that.

Debit card, which draws funds directly from your bank account, is usually not the safest. Credit cards, on the other hand, serve as a "clearing house" for your transactions and thus immune you from any direct loss of funds in the event of fraud. Try use credit cards instead of debit cards if you can.

02-28-2007, 05:27 PM	#1
Kiel_Everett XDTalk 100 Member Join Date: Mar 2006 Location: Las Vegas, NV Posts: 478	Not even my XD could protect me... I am soooo ticked off right now! I need to rant and rave somewhere! Please bare with me. Today at work I logged into my bank account to see if my check went through. Only to find 3 fraudulent checks had been written, 1 adult website charge and a POS debit card tansaction. All fraudulent!! Totaling more than $500.00 I check my account's activity daily, everyday. I was blown away and never thought it could happen to me. This comes just after my g/f and I moving into our new place and finally getting our finances all firgured out and utility accounts set up. What a pain in the butt this is. My truck, credit card and phone are all linked to this account. As well as my g/f's bills. This blows big time. I called the bank to close the account. I transfered the money from that 'joint' account in to my primary. Now we're gonna have to set up another account. The person(s) used two different names on two different checks with two different addresses. IN TWO DIFFERENT STATES!!! That bastard. Thanks for reading my rant. I guess I am writing more so to inform you guys to be careful with your financial information getting out. You can never be too careful. And, just when you thought it couldn't happen to you, it just might. I had been totally careful with my information and have no clue how this occured. But, all I can do now is deal with it and be even more cautious.

02-28-2007, 05:30 PM	#2
TxPete68 XDTalk 100 Member Join Date: Nov 2006 Posts: 347	Sux... Mayber you should check you credit report, could be a victim of ID theft. Pete __________________ "One bleeding-heart type asked me in a recent interview if I did not agree that 'violence begets violence.' I told him that it is my earnest endeavor to see that it does. I would like very much to ensure--and in some cases I have--that any man who offers violence to his fellow citizen begets a whole lot more in return than he can enjoy." - Col. Jeff Cooper A fool finds no pleasure in understanding but delights in airing his own opinions.

02-28-2007, 07:05 PM	#5
Trovan XDTalk 100 Member Join Date: Feb 2007 Location: SLC, UT Posts: 367	That's why we don't even have a check book. I have a debit card and a credit card, as does my wife. Checks are no longer secure enough, IMO. __________________ Za Dom Spremni cede nullis

03-01-2007, 01:30 AM	#8
blefferd XDTalk 1K Member Join Date: Jul 2005 Location: FLORIDA Posts: 1,379	how did it happen? did you have your wallett stolen or something? or did someone hack your wifi? __________________ SA XD 45GAP S&W 642 38SPL Glock 19 9mm Winchester Model 70 .308 Benelli Nova 12g Ruger 10/22 German K98 8MM New England Firearms Pardner 20g Norinco SKS 7.62x39 Polish TanTal 5.45x39 East German Markarov 9x18

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02-28-2007, 05:39 PM	#3
slugger6 XDTalk 10K Member Join Date: Dec 2006 Location: Ohio Posts: 19,371	That's a real bummer. I'm sorry to hear about your problems. I hope they catch the guy.

02-28-2007, 07:38 PM	#6
Timmy44221 XDTalk 500 Member Join Date: Apr 2006 Posts: 797	Hmm Im my last apartment we had a break in and had 3 credit cards stolen. THere were four of us that lived there, and it was 1 card from each person, minus me. I always have mine on me. THe credit card company was able to inform us that they were bing used fraugulently before we knew ourselves that they were even gone. The lesson there is dont try to get gas multiple times in one day on the same cards or they will shut it down.

03-01-2007, 12:49 AM	#7
retired XDTalk 5K Member Join Date: Dec 2004 Location: S. Calif. Posts: 5,320	In a thread last year I reported I was the victim of identity theft. I received a credit card from GMAC for $5K that I had never applied for. I immediately called them, told them so and had it cancelled. I requested a copy of the application, which they sent me. Unfortunately it was done over the internet, so there was no signature. The app. had my name, address, DOB and SS. The only slip up (not that the company knew it) was they used my wife's first name as my mom's maiden name. I'm guessing the bg would have called in a few days, telling the company he hadn't received it and when they would have told him where they sent it, he would have said he had moved and given his address. I was just too quick for him. The important thing to do as was said is file a report with the credit reporting bureaus. When you notify one, they generally notify the others for you. That gives you a 90 day alert wherein you will have to be called to personally ok any credit transaction. If you file a police report, it will be good for a 7yr fraud alert. Please do it.

03-01-2007, 02:21 PM	#10
fastboy XDTalk 1K Member Join Date: Sep 2005 Location: MI Posts: 1,324	Sorry to hear that. Debit card, which draws funds directly from your bank account, is usually not the safest. Credit cards, on the other hand, serve as a "clearing house" for your transactions and thus immune you from any direct loss of funds in the event of fraud. Try use credit cards instead of debit cards if you can.