Sigh..we had to close our bank account..

MilitaryGirl83

MilitaryGirl83

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:mad: Someone has been using our name and we found out today so Jeremy is at the bank and close our acct and will have a new one and debit card soon..

Has it happened to any of you guys?
 
Yes it had happened to me twice and I had to change my debit card twice. So now today I opened a new account at the new bank and will close my old one cuz my old bank kept stealing my money for overdraft for no reason.

I am sorry to hear what you have been thru. :hug: I am sure you will be fine as soon as things are clear up.
 
FelixKat930 said:
is it our fault?
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I have no idea .. did anyone saw your account number the bank card or other credit card and use it ? I have no idea
 
gosh i tried to buy a cd online and it came back and it doesnt work.. is it my fault???? how can someone get the acct number?

Pomeranian said:
Yes it had happened to me twice and I had to change my debit card twice. So now today I opened a new account at the new bank and will close my old one cuz my old bank kept stealing my money for overdraft for no reason.

I am sorry to hear what you have been thru. :hug: I am sure you will be fine as soon as things are clear up.
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Lots of ways someone can get your acct numbers...just be careful.

Someone stole my debit card numbers a few months ago...worst part was that this occured when I was about to move down here to TX....so ARGHH!!! But luckily whoever stole the numbers only spent $100 and I caught it early (I just happened to check my online bank activity and caught it) and I reported it and had the bank close my card and get a new card. People have suggested to me to close the bank account as well but I had to keep it open because I needed the money for gas, rent, etc (I was moving all the way across the country and needed access to money via checks). So now I have a new card. But ever since then, I have been checking my bank activity everyday to make sure it doesn't happen again.
 
LuciaDisturbed said:
Lots of ways someone can get your acct numbers...just be careful.

Someone stole my debit card numbers a few months ago...worst part was that this occured when I was about to move down here to TX....so ARGHH!!! But luckily whoever stole the numbers only spent $100 and I caught it early (I just happened to check my online bank activity and caught it) and I reported it and had the bank close my card and get a new card. People have suggested to me to close the bank account as well but I had to keep it open because I needed the money for gas, rent, etc (I was moving all the way across the country and needed access to money via checks). So now I have a new card. But ever since then, I have been checking my bank activity everyday to make sure it doesn't happen again.
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Yea I checked my account online too every day to catch the idoit.
 
FelixKat930 said:
Have you guys found out who did it.. and figured out how they got it?
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No but I managed to run to the bank and cancel my debit card and ask for refund that I didnt authorized it.
 
No, haven't found out who did it...all I know is that the asshole spent my $100 at a gambling place...so I was REALLY lucky that I caught it early...it could have been a lot worse...

Right now I am not going to worry about finding whoever did it since I only lost $100...and I did report it to the bank so I got the $100 back (provisonal credit). For now I am letting the bank take care of finding out who did it. All that matters is that my old card has been closed so he/she no longer has access to my money.
 
Pomeranian said:
So now today I opened a new account at the new bank and will close my old one cuz my old bank kept stealing my money for overdraft for no reason.
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I just wanted to expand on this for the moment. Recently, the banks instituted a new policy on 'converting' checks into ACH's. (Automatic debiting) In actual practice, it's like this;

You present the check at a grocery store for $50. The grocery store will 'convert' the check as an ACH and automatically debit your bank account for $50 on the spot or in the same day. You'd better have sufficient funds already existing in the account, or you'll be socked with overdraft fees.

The old (& time-honored method) was to deposit checks into the bank account and 'float' checks at stores, paying bills, etc. Under the same scenario above, a person could write a check to the grocery store, knowing that it will take 3-4 days to clear and by the time it does, your deposits will also have cleared, and everything's nice and tidy at the bank.

This check floating practice is now all but non-existent and dangerous to a healthy bank balance! In today's times, treat checks as if they were ACH's and manage your bank account accordingly. Even better, use debit cards, and just use checks/online payments to pay bills.
 
Eyeth said:
I just wanted to expand on this for the moment. Recently, the banks instituted a new policy on 'converting' checks into ACH's. (Automatic debiting) In actual practice, it's like this;

You present the check at a grocery store for $50. The grocery store will 'convert' the check as an ACH and automatically debit your bank account for $50 on the spot or in the same day. You'd better have sufficient funds already existing in the account, or you'll be socked with overdraft fees.

The old (& time-honored method) was to deposit checks into the bank account and 'float' checks at stores, paying bills, etc. Under the same scenario above, a person could write a check to the grocery store, knowing that it will take 3-4 days to clear and by the time it does, your deposits will also have cleared, and everything's nice and tidy at the bank.

This check floating practice is now all but non-existent and dangerous to a healthy bank balance! In today's times, treat checks as if they were ACH's and manage your bank account accordingly. Even better, use debit cards, and just use checks/online payments to pay bills.
Click to expand...

I agree. I actually prefer to use my card rather than checks. Besides, I HATE RUNNING OUT OF CHECKS!!! >.<
 
Eyeth said:
I just wanted to expand on this for the moment. Recently, the banks instituted a new policy on 'converting' checks into ACH's. (Automatic debiting) In actual practice, it's like this;

You present the check at a grocery store for $50. The grocery store will 'convert' the check as an ACH and automatically debit your bank account for $50 on the spot or in the same day. You'd better have sufficient funds already existing in the account, or you'll be socked with overdraft fees.

The old (& time-honored method) was to deposit checks into the bank account and 'float' checks at stores, paying bills, etc. Under the same scenario above, a person could write a check to the grocery store, knowing that it will take 3-4 days to clear and by the time it does, your deposits will also have cleared, and everything's nice and tidy at the bank.

This check floating practice is now all but non-existent and dangerous to a healthy bank balance! In today's times, treat checks as if they were ACH's and manage your bank account accordingly. Even better, use debit cards, and just use checks/online payments to pay bills.
Click to expand...


I knew I had enough money even though I do have overdraft protection saving account so that would cover the overdraft. So the bank thought I was overdraft and I found out that I didnt so I ended up went in and report on them. Not only it happened to me but other ppl too. That is a sad situation and causing the bank to have a bad reputation. :(
 
it never happens to me but never said never

i feel so bad for ya that happens to ya damn GRR
wish to punch whoever did to ya like a punchbag lol
felix
 
wow

What the fuck with someone that who took account number? Neo said that debit card is pretty risky than credit card does, also I'm think about not want apply for new debit card until soon or so. I hate to using their account and steal it, no banks are perfect but debit card need install new alarm like credit card does. If steal credit card then everyone would going bye into prison but what's up with weak safety for debit card. :mad:

FelixKat930, I'm feel sad for you :( :hug:
 
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