I have recently had my credit/debit card number stolen and used online. Between May 27-31st over $1000.00 of charges were made. I was alerted to this by a letter from my bank saying that I was .32 cents overdrawn. I got all the places online that were charged and the bank told me that there was nothing they could do to help get the money back.
I have gotten back around $300.00 but the big problem is zynga.com, they say that any fraud will be refunded in 10 days on the website. I was told by a rep. to send over the bank statement with the charges and I did that on Wed. of last week, and still have'nt heard from them. Does anyone have any ideas on what to do? Any help will be greatly appreciated!
By battlespire from Leesville, LA
I used to work for a bank and the quickest way to get your money back is to get it from the companies like you are doing. In the event that doesn't work you should be able to dispute the charges on your card. I would talk to a manager or desk person if it comes to that, sometimes the tellers aren't knowledgable enough about what needs to be done. That is much slower and can take 2 or 3 months for you to be reimbursed. The bank may also require you to be responsible for the first $50 or $100 if that is in the terms of your debit card. Good luck.
The most important thing is to file a complaint with the police dept. They probably won't be able to catch the criminal, but you will need the report for your bank and any creditors involved. Photocopy EVERYTHING and send it to all the creditors along with the police report. The same thing happened to me and I was at the bank everyday until they "got with the program" and cleared my account. Everyone will drag their feet, but you hang in there and be persistent! It took me 6 months to get any real satisfaction. Goodluck.
Update! First off Thank You all for the support I appreciate it. I have gotten back 409.00 so far, yay! I am still waiting for zynga.com though, the charge for them was 465.00 alone to Mafia Wars..lol. I have to laugh cause I would cry otherwise. My bank has refunded nsf fees, so I'm just waiting for zynga.
Our son's debit number was stolen and his bank, Wachovia, refunded everything after they were notified, but told him he had to file a police report. They caught the culprit. It was someone he knew and he was caught on video.
I know exactly how you feel! One day last week, I called and spoke to a rep. at the bank. I noticed some charges that just didn't seem right. The rep. told me that, there were several charges on my acct. that seemed fishy. She gave me the 800 number off of one of the charges, so I called it. I knew something wasn't right when they answered the phone (they didn't give business name- were very vague). I told the woman what I was calling for and asked her what kind of company she works for. She refused to tell me, but said she'd check the charges. She came back on the line and said, she worked for a company that billed customers for internet porn sites=0 I about died!
I told her, there's no one in our home that would've done anything like that and I expect them to reimburse me for the charges. She then asked me for my credit card number. All I could do was laugh, then, I said, "You have GOT to be kidding me! Why would I give you my credit card number when I think your company is the one who stole it?!" She said, they don't do stuff like that. She then said they'd reimburse me for the charges. That was last week. We are well into the END of THIS week, and I have yet to be "reimbursed."
Instead, I went to my bank, met with a cust. serv. rep. and we- together- filed a report for fraud. In all, it took about 40 mins. My bank's headquarters is now aware of the situation and of the charges I'm disputing. My account had to be blocked for a little over a week, the bank issued me a new card and I will be waiting, about, a week or so more to be reimbursed ALL of the charges... over $400, in all!
I asked the bank rep. what I could do to ensure this doesn't happen again, and she said, "I know it sounds drastic, but... if I were you, I would NEVER use my card online or over the telephone again." She then mentioned that, whenever you do use your card (whether it be at a restaurant or a store), be sure to ask for a receipt that you can sign, PROVING the charge and that it's legit. This way, they can't just say, "Oh, she owes us $58.00," when the bill was only for $15. It is sad that there are thieves out there who make a career out of ripping people off! No more ordering online for me;(
I see you are from Leesville. So am I! Have you been to the police dept? You definitely need to make a report. Was the card actually stolen or was it just used online? It may have been someone using it that you paid for something online. That always bothers me to put my info in cause you never know who is on the receiving end!
I know I just about fell out when I found out that 3 of the charges were made to porn, the same people were vague in description of charges. I just got ahold of Zynga.com again, they said that they have lost the bank statement, so I had to resend.
The first thing I would do is change banks. This has happened to my husband and my joint account, and just recently happened to my daughter. We all bank at Charter Bank (in Ohio), (Citizens Bank in PA), and we went in to the bank and filed an afadavit, and the bank took care of everything else, including putting the stolen money back into our accounts. They were great in a very terrible situation. Probably doesn't help with your current situation, but hopefully would help in the future. So sorry. It is a stressful experience.
Shopping online isn't the problem. Shopping online with a debit card is what you must never do. Use a credit card, preferably one that offers disposable account numbers (Citibank and Discover do this). With a credit card, the money isn't being stolen directly out of your bank account; it's being stolen from the credit card issuing bank. Not only is the law more in your favor with a credit card; it's amazing how much more interested the bank will be in helping you with fraudulent charges when it's their money that's been stolen rather than yours. And with disposable numbers, the odds of anything bad happening at all go way down.
If your credit card number was stolen to buy Zynga internet games, first of file a report with the FTC (Ferderal Trade Commission) at 1-877-438-4338 then file a complaint with the IC3 (Internet Crimes Commission) at ic3.gov. Hope this helps.
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