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30 September 2014 @ 02:07 pm
Just went to the bank to deposit my paycheck, and found out we have had 4 fraudulent charges come through in the past 30 days on the business account we barely use. Good thing I checked the balance, or I'd still never know.

They were all for health supplements, all $50.35, and two were with one company, while two more were with another (supposedly). The bank gave me 2 different 800 numbers to call, saying I needed to first try to get the company to reverse them, before the bank would try. So I called. I got some guy with a heavy foreign accent, who verified all of "my" information, and proceeded to tell me that I had signed up for this subscription service via an online website, and did I wish to cancel my subscription?

First of all, a "monthly subscription service" would only charge you once a month, not twice. Second, I never signed up for any such service. Third, I have not received any product from them, and if I had, I would have turned around and mailed it right back. Oh, and it doesn't matter if you cancel it or not, since the card you were charging is now dead. I told him I wanted the charges reversed, and he tried to tell me that was "impossible" because I had signed up for a service and they had shipped me product. Really? I don't buy fake diet products. Then he asked if my child could have signed up in my name. Nope, don't have kids. No one has this card but me, and the asshole who stole its information. Now reverse the damn subscription.

He put me on a hold to "check with his billing dept" that lasted less than 10 seconds. Then he tells me it's been approved to be reversed, and gives me two "confirmation #'s". I thank him, hang up, and call the second # for the next 2 fraudulent transactions.

And guess what? IT WAS THE SAME GUY. Same hold music, same voice on the other end. He even knows my name before I tell it to him. Then, when I tell him we just talked about the other two charges, and I need these reversed as well, he tells me he can't! I say "but you just reversed the other two." He says this is the first time he is talking to me.

I couldn't help it. I laughed at him.

"Seriously? That's what you're going with?"

He tried to recover and said again that he could not reverse the charges. I said, well why don't you ask your billing department." So he did, a little bit longer of a hold this time, and then he comes back and tells me they are being reversed, and is there anything else he can help with. I said you can give me the confirmation numbers. So he rattles off two numbers that have the exact same number of digits as the other two numbers he gave me, that I'm pretty sure are all fake, and tells me it will take 7-10 business days before they are reversed.

I'll be shocked if it actually happens. What gets me, is how did they even GET the debit card number for an account we barely use? I think the only place it is "saved" online is our Amazon account, which makes me worried about all the rest of the billing info on there.

Holy f*** these scammers are annoying.

This is the second time in less than six month this has happned to us. The fourth time overall. The nice lady at the bank said "You guys have really bad luck with this." Yeah, no shit. Especially since we don't even use that account!
Cross-posted from Dreamwidth - there are comment count unavailable comments there. Comments welcome on either post.
kistha on September 30th, 2014 11:55 pm (UTC)
DUDE! What a fucking pain in the ass. Hope it all works out in the end.