Fraudulent charges on my account

[Avalon]

So I get home today and check my bank account. Unfortunately, I'm $533.13 poorer than I should be.

I've got a voicemail on my cell phone asking me to call a number at CallCD.com regarding a web order. The best part of this is that CallCD.com doesn't exist, and I've never heard of the place. I called my bank, and they said they can dispute the charges, and gave me a number that the charges originated from.

I called, and it was CallCD.com again. I talked to a rep there and it took me 10 minutes to get a real website out of him. He seemed to be accidentally mispelling it a lot. That website is tsolltd.com, which as you can see, isn't very much. The rep claims his company sells phone cards. $533 in phone cards? Pff. This is looking more and more bogus by the second.

So I'm doing a domain whois on this site, and I'm getting results from all over the place...Ireland, Germany, the Netherlands. Best part, is that it's a GoDaddy domain, and it's protected by Domains By Proxy, so I'm having a real hard time finding out who's actually behind this. I need to pay rent next week, and this is going to cause me to cut it close. Crazy, or what?

 

[FoBoT]

just dispute it
tell your bank you didn't do it and it is fraud

tell them again, reverse the charge, tell them it isn't you , some hacked the gibson!

 

[Avalon]

Well, I am disputing it, which I'm not worried about. What I really want to do is find the f**ker behind this and make him burn.

 

[jdobratz]

How did the charge clear, was it ACH or was it a checkcard transaction? If it was ACH, it is possible (probable) that someone doesn't know how to read and gave out their account number incorrectly and the number they gave out happened to be yours. I work in the IT dept. of a large credit union and I see this happen on almost a daily basis. There is really no check on ACH postings, if the account number provided matches and account number in our database, the charge posts.

 

[S Freud]

Originally posted by: jdobratz
How did the charge clear, was it ACH or was it a checkcard transaction? If it was ACH, it is possible (probable) that someone doesn't know how to read and gave out their account number incorrectly and the number they gave out happened to be yours. I work in the IT dept. of a large credit union and I see this happen on almost a daily basis. There is really no check on ACH postings, if the account number provided matches and account number in our database, the charge posts.

How is this possible? Wouldn't it stop the transaction when the name didn't match the account number and that three digit code on the back?

 

[Avalon]

Originally posted by: jdobratz
How did the charge clear, was it ACH or was it a checkcard transaction? If it was ACH, it is possible (probable) that someone doesn't know how to read and gave out their account number incorrectly and the number they gave out happened to be yours. I work in the IT dept. of a large credit union and I see this happen on almost a daily basis. There is really no check on ACH postings, if the account number provided matches and account number in our database, the charge posts.

Well, what my online statement says is that it is still a pending charge, classified as an ATM transaction (as opposed to Electronic transaction or Checkcard transaction).

But I don't see how this can be a mistake after checking out that website. It seems almost clearly fraud.

 

[jdobratz]

Stupid trigger happy fingers, mis-post.

 

[Aimster]

http://www.google.com/search?hs=pgC&hl=...-US%3Aofficial_s&q=tsolltd&btnG=Search

 

[jdobratz]

Originally posted by: S Freud

How is this possible? Wouldn't it stop the transaction when the name didn't match the account number and that three digit code on the back?

Let me preface this by saying that I am not an expert by any means in ACH law, I am merely citing how ACH transactions are handled at the institution that I work for. Many ACH transactions are presented for payment without any sort of indentification but an account number so there is no way to crosscheck it against the name on an account. The three digit code that you were referring to is only for checkcard/visa type transactions, it is not needed to initiate an ACH withdrawl. The only items needed for an ACH withdrawl and/or credit are your account number and the financial institutions routing number.

To the OP, I was alluding to the fact that someone else may have purchased the phone cards and given out incorrect information regarding their account at your financial institution that resulted in the incorrect posting of the item in question.

 

[AntiStatic]

is your bank BOFA by chance?

 

[Vette73]

Funny you say $530+ range...


Read this...

Seems they bill at the same rate, $530ish

 

[Jmman]

There is so much fraud with credit and debit cards going on right now I can't even keep it straight. I had a mastercard get hit for a $10 fraudulent charge last week (which I think was part of that massive cardsystems breach) and today a debit card from Wells Fargo got hit for a $10 fraudulent charge as well. What is really blowing my mind about the debit card is that I have never, ever even used it. Not even once. It came out of the envelope and went straight into my wallet and has never been out of my sight. Now how does that number get ripped off unless it is from Wells Fargo itself, the card issuer. Crazy ..........

 

[Avalon]

Originally posted by: Marlin1975
Funny you say $530+ range...


Read this...

Seems they bill at the same rate, $530ish

Bingo.

is your bank BOFA by chance?

Suntrust

 

[ponyo]

This is why I don't have a debit card. Just plain ATM card and credit cards.

 

[Avalon]

Originally posted by: Naustica
This is why I don't have a debit card. Just plain ATM card and credit cards.

Wouldn't your CC still be susceptible to fraud as well?

 

[FLWRHART]

i got my credit card bill once and there was over $1,000.00 carged on my card ast a hotel . i disputed the charges and that was that. didnt have to pay for it.
the bad thing about it was that the person that used my card didnt even have my card, they just gave the hotel clerk the number.

 

[ponyo]

Originally posted by: Avalon

Originally posted by: Naustica
This is why I don't have a debit card. Just plain ATM card and credit cards.

Wouldn't your CC still be susceptible to fraud as well?

Yes, but you don't pay a dime and no money is ever withdrawn and taken from your account. It can take weeks for money to be returned to your checking account with a debit card. With credit card, you simply don't pay the fraudulent charges and no money is missing.

Credit cards give you rewards. Debit cards don't. No way would I ever get a debit card. Plain ATM card is the way to go.

 

[Avalon]

Originally posted by: Naustica

Originally posted by: Avalon

Originally posted by: Naustica
This is why I don't have a debit card. Just plain ATM card and credit cards.

Wouldn't your CC still be susceptible to fraud as well?

Yes, but you don't pay a dime and no money is ever withdrawn and taken from your account. It can take weeks for money to be returned to your checking account with a debit card. With credit card, you simply don't pay the fraudulent charges and no money is missing.

Credit cards give you rewards. Debit cards don't. No way would I ever get a debit card. Plain ATM card is the way to go.

I was just given the card when I signed up for a basic student account
I have done a dispute with my bank before, and it actually only took a few days to deposit the money back into my account. Hopefully, it will be about as fast this time.

 

[DaWhim]

never use your atm card for transaction. go with cc, it is just safer.

 

[Avalon]

Originally posted by: DaWhim
never use your atm card for transaction. go with cc, it is just safer.

I would if I had a credit card. I don't have any credit cards, because I'm your average broke college student that isn't sure if he'd be able to pay his credit card bills back on time.

So anyway, a slight update. CallCD (or tollstd.com, whichever you want to call them) actually CALLED me, and this time from an LA number instead of a Seattle number. They asked to verify my $553 purchase. I told them I made no such purchase. The foreign lady on the phone then said that I made a purchase today for a phone card for $553. I told her I made no such purchase and had never heard of this place.

She then attempted to argue with me, until I told her to cancel the order I didn't make. She told me she couldn't cancel it because it had already shipped out, but she would forward this to the fraud department. I told her that was pretty funny that they were calling me to VERIFY an order, yet it had already shipped out? I asked what address they shipped it to, and she wouldn't tell me, then asked ME for MY address.

I flat out told her no, and told her I was going to dispute the charge and pursue legal action. She then asked me for my email address, which I promptly told her no, and hung up. F**king creeps!

:|

 

[ViRGE]

Originally posted by: Avalon

Originally posted by: DaWhim
never use your atm card for transaction. go with cc, it is just safer.

I would if I had a credit card. I don't have any credit cards, because I'm your average broke college student that isn't sure if he'd be able to pay his credit card bills back on time.

So anyway, a slight update. CallCD (or tollstd.com, whichever you want to call them) actually CALLED me, and this time from an LA number instead of a Seattle number. They asked to verify my $553 purchase. I told them I made no such purchase. The foreign lady on the phone then said that I made a purchase today for a phone card for $553. I told her I made no such purchase and had never heard of this place.

She then attempted to argue with me, until I told her to cancel the order I didn't make. She told me she couldn't cancel it because it had already shipped out, but she would forward this to the fraud department. I told her that was pretty funny that they were calling me to VERIFY an order, yet it had already shipped out? I asked what address they shipped it to, and she wouldn't tell me, then asked ME for MY address.

I flat out told her no, and told her I was going to dispute the charge and pursue legal action. She then asked me for my email address, which I promptly told her no, and hung up. F**king creeps!

:|

Umm yeah. It sounds like a money laundering business or they're the ones committing the fraud in the first place. I really doubt they're actually selling anything or are otherwise a legitimate business.

 

[slayer202]

Originally posted by: Naustica

Originally posted by: Avalon

Originally posted by: Naustica
This is why I don't have a debit card. Just plain ATM card and credit cards.

Wouldn't your CC still be susceptible to fraud as well?

Yes, but you don't pay a dime and no money is ever withdrawn and taken from your account. It can take weeks for money to be returned to your checking account with a debit card. With credit card, you simply don't pay the fraudulent charges and no money is missing.

Credit cards give you rewards. Debit cards don't. No way would I ever get a debit card. Plain ATM card is the way to go.

ya, and you get to spend more money than you have, and pay insane interest rates! sounds like sweetness to me. and plus, you even get to write them checks every month, if youre lucky

 

[erub]

Originally posted by: slayer202

Originally posted by: Naustica

Originally posted by: Avalon

Originally posted by: Naustica
This is why I don't have a debit card. Just plain ATM card and credit cards.

Wouldn't your CC still be susceptible to fraud as well?

Yes, but you don't pay a dime and no money is ever withdrawn and taken from your account. It can take weeks for money to be returned to your checking account with a debit card. With credit card, you simply don't pay the fraudulent charges and no money is missing.

Credit cards give you rewards. Debit cards don't. No way would I ever get a debit card. Plain ATM card is the way to go.

ya, and you get to spend more money than you have, and pay insane interest rates! sounds like sweetness to me. and plus, you even get to write them checks every month, if youre lucky

wait a second, ever heard of this thing called self-control?? DONT BUY STUFF YOU CAN'T PAY FOR BY THE END OF THE MONTH. That simple, and no interest rates. Also, no need to write them a check each month, all of my credit card companies have places on their website to pay electronically..and even if they didn't, if your checking account bank was in the 21st century, your bank could MAIL them a check for you, all thru the web..amazing stuff huh?!?

 

[sygyzy]

I hope you don;t have Chase. They are working overtime to keep from refunding my money from a merchant which I RETURNED a product to. American Express on the other hand, gave me my money back BEFORE doing an investigation.

 

[Syringer]

Originally posted by: Avalon

Originally posted by: DaWhim
never use your atm card for transaction. go with cc, it is just safer.

I would if I had a credit card. I don't have any credit cards, because I'm your average broke college student that isn't sure if he'd be able to pay his credit card bills back on time.

So anyway, a slight update. CallCD (or tollstd.com, whichever you want to call them) actually CALLED me, and this time from an LA number instead of a Seattle number. They asked to verify my $553 purchase. I told them I made no such purchase. The foreign lady on the phone then said that I made a purchase today for a phone card for $553. I told her I made no such purchase and had never heard of this place.

She then attempted to argue with me, until I told her to cancel the order I didn't make. She told me she couldn't cancel it because it had already shipped out, but she would forward this to the fraud department. I told her that was pretty funny that they were calling me to VERIFY an order, yet it had already shipped out? I asked what address they shipped it to, and she wouldn't tell me, then asked ME for MY address.

I flat out told her no, and told her I was going to dispute the charge and pursue legal action. She then asked me for my email address, which I promptly told her no, and hung up. F**king creeps!

:|

Why didn't you at least give her an e-mail? Why would they bother to call you if it was all fraud? An e-mail could've helped.