My wife and I awoke to a bunch of emails (and now calls) from mortgage companies responding to "our" request for information about a refinance. The calls and emails are frustrating in themselves, and, of course, it's off-putting to think someone has done something untoward with our information. Has anyone else experienced this? Details inside. [more inside]
I lost my debit card in a crowded bar/concert venue and someone used it to withdraw cash from an ATM twice. How were they able to do this? I can't think of a scenario where they could have figured out my PIN. [more inside]
With recent purchases at Walmart I've noticed something odd. Despite hitting the "credit" button on the keypad when swiping my Visa Debit Card, my receipts list "EFT Debit" instead of listing it as a Visa transaction. What has me concerned is that during these transactions, I don't get asked for my Debit PIN. [more inside]
My credit card was stolen, again, for the fifth or sixth time this year. What gives? [more inside]
My industry has just had a Black Swan event and has entered a period of systemic risk. [more inside]
I believe I've just thwarted a scam being attempted in my name with my credit card. I have several questions about this: 1. Have I understood the scam correctly? 2. Does the scam have a name or is it something new? 3. Who should I report this to? 4. What steps should I take to protect my identity? [more inside]
Several roommates and I moved out of an apartment in DC this summer that is owned by a large corporate company (coughAvalonBaycough). We’d been in the apartment for almost four years. Before we moved out, staff from the building signed off on paperwork stating that there was no visible damage. A month later we get an incredibly bogus set of damage charges from the building for nearly $1,000. We already got our security deposit back, but they’re threatening to send us to collections over these new charges. [more inside]
Asking for a friend: looks like an ex has gotten an apartment in Chicago using my friend's name and credit. What should he do? [more inside]
I believe that bank account and routing information is sufficient to initiate a bank draft or electronic debit of one's bank account. I had always assumed that to be true, but my boss found the information alarming and wants to secure our accounts. I'm ... not sure it can be done. Can anyone explain how it works and why that system isn't more frequently abused? [more inside]
My partner and I currently live in PA. Before moving here from CA, my partner sold a vehicle to a private party (I was not a part of this transaction). That guy never registered the vehicle and collected a ton of tickets.. which he never paid. The state of CA just auto-deducted over $800 from his bank account to cover these tickets. Rent is due next week, and our landlord is kind of a drag. We're a little overwhelmed. This is terrible! What happens now?
Today I was shopping at Walmart and was accused of coupon fraud and stealing merchandise while using valid manufacturer's coupons. I feel as though the way I was treated was unacceptable, but I'm not sure if I'm the one in the wrong or not. [more inside]
Credit card stolen -- How to update my accounts quickly with less tedium? [more inside]
I just got notified about suspicious credit card activity that is indeed not me. Talked to my bank and all is good. But what boggles me is how this even happened. I have my credit card with me right now (not stolen/lost). The purchases that were made also seem to have required a physical card (gas station, fast food restaurant, home supplies store, etc.). So how was it even possible for the fraudster to make physical purchases without an actual card? As far as I know, whenever you make a purchase offline, you have to swipe a physical card, correct? I am bewildered and now highly paranoid. I just want to know so I can be more aware and hopefully prevent something like this from happening again.
Say I have a 2500$ deductible, and I get blood work totaling over 2500$ which the diagnostic company has billed the insurance company for, but agreed not to bill me for ... [more inside]
I had to get a new card on Saturday. On Monday, I purchased something on the internet. Today, someone spent 1300 of my bucks on something called "educational services" in New Delhi, while I sit here on the east coast of America. The bank says not to worry. But should I? [more inside]
My company and industry is under widespread and sophisticated B2B wire fraud attack. Help me locate the vector or mechanism, please. [more inside]
I am interested to read some commentary / discussion / critiques / first-person accounts about social climbing in our current society (preferably U. S. based). About both sides of the coin - people who are either successful or unsuccessful at navigating a change from lower-class to upper-middle-class, or beyond. [more inside]
Main details inside.. but the title pretty much says it. IRS and potential repo men involved. [more inside]
I just discovered 8 fraudulent charges on my credit card statement from September 2013 totaling $933.00. Yes, it's my fault. I should have paid attention to my statement when it came in. My credit union, who is supposed to call us when they notice a suspicious transaction, didn't catch it either because we were not notified. I called my credit union today as soon as I noticed it and spoke to the fraud department. I was unclear from that conversation whether my deadline to report a fraudulent transaction is 60 days or 90 days from the date of the fraud, but either way, I'm past the deadline. Today is 1/25/14, the frauds were committed between 9/6/13 and 9/11/13. I also called Visa. They told me this is between me and my bank. Does anyone know if I have any recourse?
I sold an item on Amazon and it went south. [more inside]
Someone has created a site via Google Sites that is radically defaming myself and my family. We're not talking about a 12 year playing a prank. It's a systematic attack with the most egregious accusations one can imagine. They're parroting my personal business site and posting info that is not only libelous, but fantastically horrible. The junk they've posted about myself, my wife and our two small children is heartbreaking. We believe we know who it is (but have no proof) and have contacted the FBI on advice of a lawyer. They've told us they'll call us once they get jurisdiction figured out and the cybercrime guys take a look. The kind SAIC looked at the site and understood the problem but only got the ball in motion. That could take weeks/months for them to move on this and the site needs to come down, now. HOW? [more inside]
I sold a piece of electronics equipment on eBay for $130. The winning bidder, who has been a registered user of eBay since 2011, has a feedback rating of 1. The buyer promptly paid via Paypal. I dont see any indication that the buyer's shipping address is PayPal confirmed. eBay says I'm eligible for 'seller protection'. Should I ship it? [more inside]
OK, this sounds insane and paranoid, and I feel fairly confident this is just a very weird coincidence, but is there some computer virus-y way that a Google search term can end up being reflected in credit card fraud? [more inside]
There was a fraudulent online charge on my debit card which I'm dealing with disputing with my bank. What passwords should I be changing or other tactics now to protect myself and the new card I'll be getting soon?
I'm interested in switching to an online-only bank, but I want one that offers complete fraud protection. I am considering Ally Bank, but I can't tell from their website exactly what sort of coverage and reimbursement they offer. My current bank (B of A) watches my account for red flags and has been very good about immediately reimbursing me for any fraudulent purchases. It's happened about once a year when I use my debit card regularly, so I need to make sure I'm covered. I'm a student, so I don't have that much in a checking account to protect but every dollar counts.
I've been job searching for the past couple of months. Some online listings compel you to apply for them through a recruiter site. I try to avoid doing this, because I've been spammed as a result by sites like Careerbuilder.com who apparently don't vet their partners very well. [more inside]
The question is, is it possible to delete Google revision history? I hope not, because that is the proof I have that fbp has changed the revenue percentages we agreed on. [more inside]
I received an email at ~4:30 PM (EST) from a @ucia.gov email account. It was in regards to a scholarship program from the CIA to which I had applied, stating that they had liked my online application, and wanted to learn more about me. The problem is that I can't determine, given what I'm looking at, whether it's fraudulent or not. [more inside]
My mom has dementia. For the last 5-6 years, I've helped her fill in her mail-in ballot. We've talked about her choices (to the best of her ability). This is the first election where I feel that she can't participate in choosing who to vote for. I've brought it up with her, but she isn't engaging at all. However, I know how she would want to vote. Voting in every election since she became old enough has been a tremendous point of pride for her. She's always been an engaged and active participant: walking precincts, helping with mailings, going to candidate forums (until the dementia really took hold). Part of me feels like I would be honoring the person she was by casting this ballot (probably the last one), but part of me feels that by casting her ballot without any participation from her, I'm committing fraud. What say you, wise Mefites?
I love to read books about real life business frauds and failures. For example, Enron: The Smartest Guys in the Room is a favorite as is The Informant. Fraud can be fun to read about, but it isn't necessary. Hubris and poor judgment can be enough if the story is told well. Can you recommend books I might enjoy?
I had surgery in a private surgery center. I found out that they billed my insurance company $139,000 for an outpatient procedure (wtf???!! absurd amount). They then threatened me by email that I may be liable for the amount if I don't okay the the charges to the insurance company. I'd like to report the activity to someone who investigates this stuff, or talk to a lawyer. It's in San Jose, CA. Any ideas? [more inside]
I'm thinking of getting a Lenovo Thinkpad x230 to replace my aging laptop and noticed that Ebay had sellers with seemingly good ratings offering machines with higher specs than you can get in the Lenovo store for much cheaper. Is this too good to be true? [more inside]
Last week, my 85 year old father suddenly began to experience weakness in his legs and severe pain in his lower back. His PCP couldn't fit him in but recommended the ER if he was in a lot of pain - he was, so Friday afternoon, my brother took him to the ER of the nearest hospital (which looks more like a resort). They wanted to check him out with an MRI, but their machine was not available (could they really only have one?) The hospital "admitted" him - or so we thought . . . [more inside]
My sister just got a phone call from someone claiming to be from a (seemingly real) real estate company in Colorado. (We are in New York.) The woman said she was calling to follow up on a home loan application, apparently filed with my sister's name, email, and phone number. But my sister has filed no such thing. Whaaaat is going on? [more inside]
My sister was contacted by a Texas company to perform cleaning services for recently vacated, corporate-provided apartments. These apartments are in a capital city in Western Canada - this is where she and I live. While there is more inside, in a nutshell, my question is: why is a Texas company hiring an inexperienced new one-woman cleaning business for this, instead of a local cleaning chain? Because it's a scam, right? Please help me figure this out. [more inside]
I received a package of 6 toothpastes from Amway at home yesterday. I didn't place this order. I called the enclosed number immediately and got myself expunged from their database. I have no desire to be involved with Amway. The order was placed by someone else, using MY credit card info (with no PIN), and sent to my address. [more inside]
A few days ago my mom got a bill for a department store credit card, Dress Barn issued by Comenity bank, she opened up 5 years ago. She took advantage of the "get 20% off when opening a credit card with us" offers at the time. When the actual card came, it just sat unactivated in her filing cabinet. The card didn't have a visable expiration date on it. [more inside]
I am writing to humbly plead for your assistance as a victim of immigration fraud, advice and/or professional contacts anyone might have regarding my situation. My husband married me, got his greencard in mail and promptly fled, refusing to grant me an annulment. [more inside]
I'm now getting emails out the ying yang with all her account activity. I can't fix this with the conventional "log-in and change the password" trick. Contacting both Facebook and her directly for help have yielded nothing. Is there anything else I can do? [more inside]
A friend's credit card recently was compromised, which she found out when her bank's security team flagged two $900+ transactions a few minutes apart. At a 7-11 of all places. What most likely actually happened here? [more inside]
She received a $6000+ bill from Kaiser Permanente for a visit to an emergency room which she never made. We suspect identity theft, and Kaiser does not believe her. How can she prove her case, or otherwise get Kaiser to drop their bill? [more inside]
Mail-order pills from a reputable overseas vendor (have seen them recommended in Ask) turned out to not contain any active ingredient according to a blood test. I switched meds when I found out, but am at a loss as to what to do beyond that. [more inside]
Today, my bank's fraud detection department gave me a call - apparently, somebody had attempted to use my debit card for a purchase in Colombia. I live in London, UK. This is an annoyance, but it's particularly worrying because something similar happened less than two months ago - they called me up and said that although my card hadn't been used, they had information that it may be compromised. The card that was used in Colombia today was the replacement, which I've had for only a few weeks. My money is safe and my card has been cancelled (again). But my main concern is HOW this has happened - keylogger? Dubious, but legit-seeming site? Compromised wifi? And how do I keep myself safe in future? [more inside]
Something fishy is going on in my store, but I can't wrap my head around it. Why would a customer buy/return around $25,000 worth of merchandise over the course of a few months? [more inside]
Maybe others, especially those in banking, can weigh in on how common these sorts of things are. [more inside]
It took a while for us to notice the pattern so when we reported fraudulent use of our Visa/debit card the credit union told us it is too late to dispute the charges. We asked if we should file a police report and they said we can do whatever we want. They were reluctant to give us the forms to file a dispute since it is past the allowed time but my husband wants it on record. Should we just do what they recommend and get over it? [more inside]
I caught someone I knew promoting their book in a dishonest way. How to react? [more inside]
How can I protect myself from buyer fraud selling something through paypal? [more inside]
I'm updating my resume and having a bit of a tough time deciding what to do about a questionable business/boss who was one of my most recent jobs. [more inside]
My generous, trusting mother was conned out of tens of thousands of dollars (gradually) by a good-for-nothing young cousin over the course of a few years. When my mother ran into financial trouble last year, she sought repayment of these "loans." The cousin insisted that she didn't have to pay back a cent and promptly disappeared. She reappeared last week with a very large check, written directly to my mother's bank, and written by some random guy. I'm worried that the cousin has simply conned somebody else ("please, my home is being foreclosed on, I really need this loan, you can even write it directly to the bank") to cover part of her debt. She isn't talking, and my trusting mother is angry that I'd suggest such a thing. (So a lawyer is out of the question.) Is my mother potentially complicit in fraud by depositing this check?