![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
rinueSomebody hacked a website (paypal is saying it's not them, but it's pretty much them) and made a fradulent transfer in Ciro's name of $3000 to some random person. This was immediately flagged by Paypal as a fraudulent transaction; Ciro got the e-mail that it was fraudulent and had been stopped at the same time he got the e-mail that it was made in the first place. This was three days ago.
Two days ago: The supposedly stopped fraudulent payment hits our checking account, overdrawing it. I find this out because I get an e-mail from Bank of America. I call them, and it's a real pain to get through to the fraud department. I'm transferred at least three times. I'm reassured by each person that I am not responsible for a fraudulent payment, that I'm 100% protected (and they don't mention FDIC insured, but FDIC insured), that they've flagged it and nothing will bounce and I will not be charged any overdraft fees. They add that it hasn't actually gone through yet; it's just a hold. Call them if it's still there tomorrow.
Yesterday: It's still there, and is no longer a hold. It's marked as cleared. We call the fraud people at Bank of America. They say that oh yes, sorry about that, it will disappear at midnight, it's just pending in the system, and that the credit will go through before they process any further payments, so all our bills payments will be unaffected and there will be no overdraft fees and nothing will bounce.
Today: It did not disappear at midnight. There's $70 in overdraft fees to date. According to my account statement, payments didn't bounce, but according to my inbox a student loan payment bounced, and according to another e-mail if my account is still overdrawn in a couple of days they'll close it. We call the fraud department a third time. They say that oops they didn't file a fraud report any of the other times we talked to them. This time for real a credit will show up and the overdraft fees will disappear.
I don't believe them at all; I expect we will have to continue to call them every day for another few weeks and possibly get the FBI involved if they don't shape up. I transferred $3000 from another account, because I am luckily not living paycheck-to-paycheck and have the freedom to do that, and I would rather not have a lot of bounced payments hit my credit report, in addition to the one which I will already have to track down and dispute.
Meanwhile, Paypal says that although they said they stopped payment of the fraudulent charge, oops actually they didn't, and now they're trying to recover the money from random guy's bank, and they'll refund it to us after they get it back. Good luck with that, Paypal. I am siccing Bank of America on you and I promise they're bastards.
Show of hands, anybody who thinks it's self-serving bordering on criminal to freeze my assets rather than the theif's assets, and suspects the thinking is "well, we know she has money and where she lives, and aren't sure about this other guy." Super efficient.
By coincidence, while this was going on, a credit bureau from Texas tried to get me to pay an overdue bill that's someone else's, and when I called them they realized it was a typo and the person doesn't have my name at all. Again, they promised it wouldn't show up on my credit report and I would never hear from them again. But honestly.
Meanwhile, I have other better things I need to be doing with my time. Nope.
Two days ago: The supposedly stopped fraudulent payment hits our checking account, overdrawing it. I find this out because I get an e-mail from Bank of America. I call them, and it's a real pain to get through to the fraud department. I'm transferred at least three times. I'm reassured by each person that I am not responsible for a fraudulent payment, that I'm 100% protected (and they don't mention FDIC insured, but FDIC insured), that they've flagged it and nothing will bounce and I will not be charged any overdraft fees. They add that it hasn't actually gone through yet; it's just a hold. Call them if it's still there tomorrow.
Yesterday: It's still there, and is no longer a hold. It's marked as cleared. We call the fraud people at Bank of America. They say that oh yes, sorry about that, it will disappear at midnight, it's just pending in the system, and that the credit will go through before they process any further payments, so all our bills payments will be unaffected and there will be no overdraft fees and nothing will bounce.
Today: It did not disappear at midnight. There's $70 in overdraft fees to date. According to my account statement, payments didn't bounce, but according to my inbox a student loan payment bounced, and according to another e-mail if my account is still overdrawn in a couple of days they'll close it. We call the fraud department a third time. They say that oops they didn't file a fraud report any of the other times we talked to them. This time for real a credit will show up and the overdraft fees will disappear.
I don't believe them at all; I expect we will have to continue to call them every day for another few weeks and possibly get the FBI involved if they don't shape up. I transferred $3000 from another account, because I am luckily not living paycheck-to-paycheck and have the freedom to do that, and I would rather not have a lot of bounced payments hit my credit report, in addition to the one which I will already have to track down and dispute.
Meanwhile, Paypal says that although they said they stopped payment of the fraudulent charge, oops actually they didn't, and now they're trying to recover the money from random guy's bank, and they'll refund it to us after they get it back. Good luck with that, Paypal. I am siccing Bank of America on you and I promise they're bastards.
Show of hands, anybody who thinks it's self-serving bordering on criminal to freeze my assets rather than the theif's assets, and suspects the thinking is "well, we know she has money and where she lives, and aren't sure about this other guy." Super efficient.
By coincidence, while this was going on, a credit bureau from Texas tried to get me to pay an overdue bill that's someone else's, and when I called them they realized it was a typo and the person doesn't have my name at all. Again, they promised it wouldn't show up on my credit report and I would never hear from them again. But honestly.
Meanwhile, I have other better things I need to be doing with my time. Nope.
(no subject)
Date: 2013-03-15 07:38 pm (UTC)(no subject)
Date: 2013-03-17 05:20 pm (UTC)(no subject)
Date: 2013-03-18 06:05 am (UTC)