Fraudulent charges on my account

[Doctorweir]

Originally posted by: 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.

I don't think so...it really sounds to me like a pure fraud place. If you hand out any more personal information to them you just get deeper into trouble and get a lot more charges like this from their trusty e-Fraud network... 🙁

 

[Doctorweir]

Originally posted by: 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?

Nope. Being a bank auditor I have to tell you that regular practice of the IT involved is messaging just based on the account number. The account number however is verified by the systems (a special checksum based on the acc number and bank code is applied and verified). This rejects typos in general, but as soon as the account number is valid the money is posted to that account regardless of the name...

 

[Syringer]

Originally posted by: Doctorweir

Originally posted by: 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.

I don't think so...it really sounds to me like a pure fraud place. If you hand out any more personal information to them you just get deeper into trouble and get a lot more charges like this from their trusty e-Fraud network... 🙁

What do they think people would say? Oh, I did make that purchase, yes it's definitely mine.

 

[xit2nowhere]

When you pay with a credit card, you actually pay with the money that bank loans you, with the check card, you are paying with your own money. Banks would surely put a better effort in trying to get their money back. LOL
But I once had something like that happened. Charge was for $222 and some change, bank refunded only $22 while they were investigating. After a week, i got the rest.
Bank's info said they usually refund you the full amount while they are doing investigation, but it is also up to an investigator how much to refund during the process.

 

[Avalon]

Well, I'm heading to my local branch to discuss this with someone there in between my two finals today. This has got to be the worst timing ever. Yesterday was supposed to be crunch time. The charge is still "pending" as of today, but I'm going to see if I can't convince them to do something earlier.

 

[Avalon]

Another update. It's CallTD, not CallCD.

http://www.calltd.com/

Pretty much same layout as tsolltd.com, but this one actually has a link to a place where you can "purchase" phone cards.