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Discussion Starter · #1 ·
I suppose these things happen.

Got a call from my bank this morning. There were about 25 transactions this weekend on the business checking account, so they called to see if they were correct or not. Of course, they weren't. Should find out in a day or two just how hard they hit us. Looks like the whole deal started using one of the debit cards for this account. Not sure where, or who just yet.

This really sucks. Overall it looks like they hit us for around five figures, so we'll see what happens. That's a ton of money to a small business our size, we're going to have to jump through hoops until this gets settled. Of course, they've got to put a halt on account transactions, so doing business will be a bitch for a while. Our bank appears ready and willing to work through it, but it takes time.

These scumbags better hope I don't find out who they are. I tried to get the info out of the guy at the bank this afternoon, and they won't tell us everything. I guess maybe they worry about people becoming vigilantes or something. Rightfully so, these assholes are putting me in a bad spot.
 

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I suppose these things happen.

Got a call from my bank this morning. There were about 25 transactions this weekend on the business checking account, so they called to see if they were correct or not. Of course, they weren't. Should find out in a day or two just how hard they hit us. Looks like the whole deal started using one of the debit cards for this account. Not sure where, or who just yet.

This really sucks. Overall it looks like they hit us for around five figures, so we'll see what happens. That's a ton of money to a small business our size, we're going to have to jump through hoops until this gets settled. Of course, they've got to put a halt on account transactions, so doing business will be a bitch for a while. Our bank appears ready and willing to work through it, but it takes time.

These scumbags better hope I don't find out who they are. I tried to get the info out of the guy at the bank this afternoon, and they won't tell us everything. I guess maybe they worry about people becoming vigilantes or something. Rightfully so, these assholes are putting me in a bad spot.
http://isekurity.com/index.php

Call Isekurity tomorrow, they have 100 ex fbi agents to get your info back and get the people that did this to you.
 

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I got hit a while back and it was traced to a gas station by exit 5 of the NJ Turnpike........ 10 minutes after I was there my card was being used all over the planet...... They thought that because I had an out of state tag I wouldn't be back......... They were wrong...... they lost their Credit Use by Visa-Mastercard....... I got all the $$$ back ...... Lucky I guess
 

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Sorry to hear this. I just went through the same thing a few weeks ago. Someone stole my debit account information and used it to make several transactions totalling around $750. My card wasn't stolen, just the info. When I contacted my bank to report it they informed me I had to file a police report in the town I reside in before they could return the funds to my account. After filing the report with them one of the supervisors at the police department called me and told me since this was technically "internet fraud" and not identity theft (because only my debit account information was stolen and not my actual identity) I had to file a report in the town the bank is located in. When I went there to file the report they told me it wasn't their jurisdiction, but my own town's police department!!!! Talk about being bounced back and forth. End result, the bank's local police department took the report, I presented it to my bank and they immediately returned the funds to my account and issued a new debit card on the spot.

I was actually able to provide the detective with information from one of the transactions made (one of the company's willingly gave me the person's name, address and e-mail address, as well as a copy of the purchase invoice). Even though I presented this information to him he said more than likely it was false information and the person would not be caught. Talk about frustration.

Anyway, I hope you get everything squared away soon. I wasn't taken for nearly as much as you but I completely understand what you're going through. Good luck to you.
 

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Sorry to hear about that happening. It happened to me about 5 years ago. Everything that I had saved up was gone in a weekend. Luckily, the credit union noticed that something was wrong and put a hold on everything. I had charges in New York, Vegas, Miami and Canada all on the same day within hours..... Traced everything back to the gas station where I had bought gas in the morning. Luckily, I didn't go out of town that weekend and needed to use my card to get gas, food, etc.... Had to borrow some money from my parents to pay my mortgage and car notes, etc. but eventually I got back all but $50.00. Took awhile, and was a major pain in the ass. Had to deal with all 3 credit agencies and a pissed off wife. Good luck man, hope they deal with that scum.
 

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Man I hate that for you Sean. I hope they can catch the SMFer whoever they are. This crap is why I won't do the debit card thing. Nice hanging out with you yesterday too. RM
 

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i feel your pain bro.

Some one took out a credit card in my name about 3 or 4 years ago and racked up 3g's.I didn't find this out till about 8/9 months ago..Me and my dad have the same name and my dad was in debt so when bill collectors or shit of that sort came in the mail when he was here an i was taking care of him i would just toss in the trash or hang up the phone.Thinking it had to do with him.

Well i picked up the phone one day and they collector asked for us and i just happend to say which one because i was job hunting at the time and they said my middle name and i was like this is him..and bam you have a outstanding credit card debit of 3k an some change,i sat there in shock as the guy said we are going to take you to court and start to garnish your wages.

I then asked if they could send me all the info they have and they said all we got is what i just told you..I've been stuck now trying to get the info so i can do a police report but i have yet to get shit in the mail..

its a fucking pain in the dick..i was pissed when the dude said your credit score is 570 but would be 760 or so if you paid this..
 

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Sorry to hear about this, lots of assholes out there ripping people off. My parents business got hit up by a business partner a few years ago.
 

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I got hit a while back and it was traced to a gas station by exit 5 of the NJ Turnpike........ 10 minutes after I was there my card was being used all over the planet...... They thought that because I had an out of state tag I wouldn't be back......... They were wrong...... they lost their Credit Use by Visa-Mastercard....... I got all the $$$ back ...... Lucky I guess
For traveling, I either carry cash or I get one of those refillabe cards. It's not tied into my personal or business accounts. So if they get it, that's all they get. :smt097
 

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Discussion Starter · #12 ·
Glad to hear I'm not alone, but hate to see it happen to anyone.

Nothing should damage my personal credit at all, since this is the biz account. It's looking like a store or gas station allowed their credit card info to be pilfered. Actually this account is new this year, and the debit cards for it have never been used online.

The pay-as-you-go Visas are a good idea. I have some customers that do this for their crews that go out of town. Really though, the other "suggestions" they give you are just common sense stuff. (Not using cards online, etc.). I use cash almost 100% of the time for things I buy personally anyway to try and avoid this type of thing, but it's just not practical for doing business. Paying vendors, buying fuel, local expenses, etc.

Truthfully, it's not the end of the world. It's a hell of an inconvenience, but I'm pretty sure we'll be covered on the money. The real pain in the ass is waiting on that to happen. Of course, it's the first of the month, so about a zillion things get paid automatically. Have to contact vendors, etc. I'm most concerned about making sure my full-time employee and the guys who help out are taken care of, that's priority one. Should be fine.

Thanks for letting me vent, I could have chewed fucking concrete earlier today.
 

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i feel your pain bro.

Some one took out a credit card in my name about 3 or 4 years ago and racked up 3g's.I didn't find this out till about 8/9 months ago..Me and my dad have the same name and my dad was in debt so when bill collectors or shit of that sort came in the mail when he was here an i was taking care of him i would just toss in the trash or hang up the phone.Thinking it had to do with him.

Well i picked up the phone one day and they collector asked for us and i just happend to say which one because i was job hunting at the time and they said my middle name and i was like this is him..and bam you have a outstanding credit card debit of 3k an some change,i sat there in shock as the guy said we are going to take you to court and start to garnish your wages.

I then asked if they could send me all the info they have and they said all we got is what i just told you..I've been stuck now trying to get the info so i can do a police report but i have yet to get shit in the mail..

its a fucking pain in the dick..i was pissed when the dude said your credit score is 570 but would be 760 or so if you paid this..

Careful about the promise of your credit score improving. I contested two credit report entries I discovered when applying for a mortgage last year. I successfully disputed the false reports and had them removed. 8 months later my credit score is still 100 lower then it should be and all I keep hearing is, "It will take time to recover"
 

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^hmm i figure it will take some time.Fucked up part is they wont even tell my who the card is under.i just know it was a bank/credit card of some sort.

I hate debit cards and credit cards,i'm a cash person and just started using banks..shit sucks,i'll check my account online or at a gas station and it says i got this much money take some out and then 5 days later shit says i got a over draft fee..lol..Even my heath insurrance is in a bank savings account because i got a hsa and right now i cant even use the shit because the bank has my account fucked up..
 

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One of my chase CC accounts I only used for gassing up.
out of the blue all these charges appeared from Europe ordering lots of goodies.

Not by exit 5 but I guessed it was one the stations by my house that had something to do with it. Chase would not tell me much but they caught it right away and handled it.

I got hit a while back and it was traced to a gas station by exit 5 of the NJ Turnpike........ 10 minutes after I was there my card was being used all over the planet...... They thought that because I had an out of state tag I wouldn't be back......... They were wrong...... they lost their Credit Use by Visa-Mastercard....... I got all the $$$ back ...... Lucky I guess
 

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My lovely wife, in her infinite wisdom used our debit card online for a purchase. Three days later, our bank accounts were both empty and our credit card with that credit union was also maxed. It was two weeks before x-mas. Gotta love it!!!

Idenity thiefs, hell thiefs in general can kiss my ass.
 

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What banks are you guys dealing with in your situations? I'm tired of my current bank and I'm looking for another one to take my small business account to. I know it's no 6 figure account where I do 3million in business a year but I'd like to be treated better then I already am by wamu. :mad:
 

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I use a credit card for the business - quite a few transactions and rather high dollar volume. I watch it online at least two-three times each day.

About a year ago I caught a suspicious online cash wire transfer of $1200 through Western Union only a few minutes after doing busines with a new vendor. Got on the phone with the bank and within a couple hours they killed the transaction, returned the balance to my account, cancelled the card and reissued it with a new number. It was darn near painless - but still pretty scary for those couple hours waiting for the next shoe to drop.

They never were able to do anything with the jerk that did it though - he's still out there - no doubt waiting for the next opportunity.
 

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i feel your pain bro.

Some one took out a credit card in my name about 3 or 4 years ago and racked up 3g's.I didn't find this out till about 8/9 months ago..Me and my dad have the same name and my dad was in debt so when bill collectors or shit of that sort came in the mail when he was here an i was taking care of him i would just toss in the trash or hang up the phone.Thinking it had to do with him.

Well i picked up the phone one day and they collector asked for us and i just happend to say which one because i was job hunting at the time and they said my middle name and i was like this is him..and bam you have a outstanding credit card debit of 3k an some change,i sat there in shock as the guy said we are going to take you to court and start to garnish your wages.

I then asked if they could send me all the info they have and they said all we got is what i just told you..I've been stuck now trying to get the info so i can do a police report but i have yet to get shit in the mail..

its a fucking pain in the dick..i was pissed when the dude said your credit score is 570 but would be 760 or so if you paid this..
Many years ago my daughter bought a new car, couldn't pay for it and let them re po it. FoMoCo credit told her she owed a couple grand difference on what the car sold for and what she agreed to pay. They told her if she paid the difference up nothing would show up on her credit. I gave her the money and she paid them. It never came off her credit history, they lied. Collectors only want the money, they'll say anything to get you to pay it. If I didn't make the debt I wouldn'y pay a dime to anyone. They came out the credit and did a sorry job of knowing who it was so let them suck wind. RM
 

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^yeah i deff aint going to pay it..they offerd me half of what was owed as long as i could have it paid off in 2 months..i thought about it just to get my score back up but then i was like fuck that..


my buddy got taken for 32 grand and every thing..the person who he thought was his friend took him..Guy worked at a cell phone company and told my buddy he would give him a killer deal on a phone and just to come by seeing they where pals..lol..Well needless to say he got all his info and lived as him for a year and a half before my buddy started gettng bills at his parents house.Which then alerted him that something was up.

said and done with the cops knowing who it was and all the other b.s it took 2 years in the courts to get the shit semi right..my buddys shit is still fucked up..also the kid got 6 months in jail and he did the same shit to about 10 other people..
 
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