$300 missing from my checking account

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Purple Belt
@purple
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Alright, so I just went to 711 about 30 minutes ago to get some beer, I also needed to get some cash back. Get up to the register and use my debit card, gets declined. I think to myself "thats weird". So I tell the guy to run it again, which he does and the card gets declined again. Now Im thinking WTF?!

So I come back home and log onto my bank account online. I still have money in my checking account, but I notice that there is a purchase for $298.64 at a Best Buy in Richfield, MN. I live in Anaheim, CA so obviously that purchase wasn't me.

I just got done talking to my bank and they put in a fraud claim for me and deactivated my debit card. So now I have to wait to find out if the money will be refunded back into my account. Does anybody have any experience with this? Will I get my money back? Money is really fucking tight for me for this next month, so I need that $300.

Also, should I be worried that someone has all my information including bank account/ credit card numbers and SSN? I have no idea how to handle this. Thanks for any help
 
I don't know how things work in the states, but have you contacted the authorities?
they will get in touch with the police in MN and in conjunction with your bank hopefully catch the culprit and reimburse your money.

we get cases like this every so often and the criminal is caught about 90% of the time
 
You should get your money back - sorry to hear about it. Fucking sucks (did not happen to me but my sister had the same thing happen).
 
Get on the phone with your Bank's Fraud Department immediatly if not sooner, TS. They'll refund the money as soon as you call and go after the person that committed the fraud on your account.

Good luck, Buddy.
 
If it was credit card, there is no doubt the charge would be reversed. From what I understand, it's a little more complicated with a debit card.
 
In my personal experience I have not had to pay for any disputed claims, at least with credit cards. Never had an issue with my bank card.

In fact one time I accidentally got away with not paying for something I probably bought. It was right before Christmas and suddenly my card was maxed when I thought I had about 200 credit left. It was terrible timing. So when I called to complain they said I had a $200 bill from Ticketmaster. I told them I had not bought anything from Ticketmaster. They told me that it could have been from something I bought months before that never got posted. I said if they didn't have my signature on anything I wasn't paying for it. It wasn't until later I realized that I had bought some tickets 10 months earlier.
 
I already talked to the fraud department of my bank. They said I should hear back from them within 12 hours
 
Last year my paypal account got hacked. They took $1400!

I eventually got it back. I suspected they hacked into my facebook account and got enough info to answer my security questions.

Now any money that goes into my paypal is automatically transferred into my bank account and my security questions all have bogus answers that aren't related to my life at all

It was a big wake up call
 
banks will usually cover it. I recently had some idiot try and fraudulently purchase a $15,000 item on my credit card, the bank actually froze my card and reversed the transactions before I knew about it.
 
Happened a while ago,
Slightly different in that I got double charged for something I did buy instead of totally fraudulent.
Took a fair while to get my money back, but they actually refunded both to me, I didn't call to complain.
 
odog said:
In my personal experience I have not had to pay for any disputed claims, at least with credit cards. Never had an issue with my bank card.
Click to expand...


IDK - a restaurant St. Maarten tried to triple bill me once and I had to go through quite a few steps to get 2 of the charges cancelled by VISA.
 
At the bank I work for they will refund a claim upfront and then investigate. Then they just reverse the refund if the claim actually turned out to be made by the account holder. That includes debit card charges.
 
Contact your Bank , they will probably also put the account on hold wich includes all transactions unless you need cash you can go at the bank for money.
 
therealdope said:
IDK - a restaurant St. Maarten tried to triple bill me once and I had to go through quite a few steps to get 2 of the charges cancelled by VISA.
Click to expand...

Maybe I've been lucky. The only time where there was actually a fraudulent charge, MasterCard was all over it. I was living temporarily in London, travelling around Europe for work, making charges in various countries and somehow they knew that a $500 charge for cd's wasn't done by me.

They called my house back home and had someone contact me about it. If they hadn't, I probably would never have noticed since I wasn't actually looking at my bill every month. One phone call from me and they took it off. I was lucky they caught it.
 
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