Timfany
Atlanta,#2Consumer Suggestion
Sat, September 09, 2006
based on what you have stated the situation does fit the pattern of you selling your checkcard to someone or working with a friend that lives in another state. You fit the age range in a trend that is constantly seen. If you did not have your pin written down no one could of guessed it. only other option there is, a friend who has seen you use your pin before took your card. If there are no invalid pin attempts on the account either your are in with them or someone close took card and mailed it to someone in fla. if the account was in the risk management department then someone was doing empty envelope deposits and withdrawing money, and or went to a post office and bought money orders. did you withdraw all your money from direct deposit right before it happened but didn't in the past, was card used everyday and then all the sudden stopped lets say in the time frame it takes for a card to be mailed to someone not just the two days you lost your card. Was account opened less then six months and opened with the minimum deposit. People have spending patterns on accounts if yours fit any of the above then yeah this fits customer fraud. Just because your not on camera does not make it fraud. If you stick by your story then a friend did this to you and saw you use your pin.
Steve
Bradenton,#3Consumer Suggestion
Mon, August 14, 2006
Thomas, I debit card is useless unless the person has your PIN#. Did you write your PIN# on your card? Did you lose just your card or your entire wallet with ID, etc.? If it is a VISA branded debit card and the PIN is not being used, it is considered a "credit" transaction which means you are only responsible for the first $50. You really need to stay off the phone, and start sending some certified letters with return reciept requested. You need to demand all transaction records, copies of reciepts with signatures, etc. You are entitled to these. Did you file a police report? If not, why not? You need this for a fraud claim or identity theft case. This should have never gone this far. I mean, did they run that 4 grand+ up in 1 day? How long did it take for you to figure out you lost your card [and PIN#]? Live and learn. Good luck.
Jake
Beaverton,#4Consumer Suggestion
Mon, August 14, 2006
Apparently someone obviously spent $4-$5k using your ATM card. I would hire an attorney to represent you, if you are 100% positive you are a victim of fraud. The Banks procedures are as follows: 1. engage in-house counsel 2. set up preliminary actions ( which is best for the bank ) 3. resolve with little to no exposure 4. set up meeting with attorney to discuss a settlement 5. If the Bank finds you creditable to your accusations, you will receive the following: * Attorney retainer fee paid by the bank * Bulls eye report to clear any derogatory remarks as a result of this incident. * Sum of money to be paid to you ( loss of work, time involved and pain and suffering ) Hope this Helps. If it makes any difference I am an Executive with a National Bank. JB.
Jeffery
Killeen,#5Consumer Suggestion
Mon, August 14, 2006
Request a copy of the documents the bank used in their investigation. They are required to provide them when requested after a disbute is denied. Look them over and refile a disbute of the charges using these documents to back up your position.
Jeffery
Killeen,#6Consumer Suggestion
Mon, August 14, 2006
you should at most be responcible for the first two days of not reporting it. since you called in and told them that the card was lost/stolen, it was there job to cancel the card. Ask for a writen statment as to why this was not done. next ask for the time and date that every transaction was done, if possible prove that those couldnt possibly be you (IE: a transaction at 7:05 100 miles from your work place and you clocked in at 6:59, almost inposible to do that) and take it to your local branch manager. he/she is going to say that they cant help you most likely, since they cant help you, get that statment in writing with detils somthing to the affect of I _________ being the branch manager of xxx bank have seen all evidence of mr. xxx and even though it is without dought that he could not possibly have done some of this and reported his card stolen and since the bank has not done anything about it, will not help our valued costomor. something to that extent. and only if you have proof that it was not you and there not working with you, and only have him put the truth. and write it there also get another statment as to why the card wasent canceled in the first place. next call the fraud department up. tell them of the proof you have. take names , time and numbers. if the fraud department is not willing to help you out still, ask them why. you have complyed with everything that is to what they want and reported it in a timly manner. as to how a the guy got your pin, theres a number of ways to do that, one is they saw you put it in the keypad, most likly that if the card was the only thing stolen. now that you have tryed all options with the bank, go to your local news paper stand and find a good reporter that looking for a story and tell them yours, give them the copys of the statments you have and all the times and dates, and offer to take him/her with you into the bank managers office. i to was a victom of somthing simular, and had the same problem with BoA, but lucky i had a good bank manager, i hope you have one to that will work with you good luck