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Old 12-14-2014, 04:36 AM   #1
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Holiday Hose Job

We were robbed yesterday of $10,000 ; I am working to get the money back from the banks involved.

I have automatic bill pay on one of our two credit cards and it was compromised.
It was our “backup” credit card from AFBA-5star bank of CO that I keep active for emergencies and the balance is always small. It is a bank I used when I had an insurance policy years ago but now the only product I have with them is this card.

I bill pay in full as an automatic charge to my Navy credit union checking account.

The card was used at retail stores for about 10 days in October while our USAA (primary) credit card was being replaced as a number hacked at Home Depot. Unbelievably, in those 10 days it was used at TARGET and that store was attacked. The bogus charges of $4,000 and $6,000 on the same day were caught by the fraud department and new cards were issued; but were inadvertently transferred to the new card number after 30 days "in suspension."

The bill date came and they wiped out my checking account and dipped into my Line of Credit to completely pay the $10,433.12 debit. The $433.12 was the correct amount.

The credit card company could have credited the money back in 5-7 business days but they had no way to refund it to my credit union.

They recommended that I dispute the entire credit card payment in order to get the money back into the credit union the fastest.

I contacted the credit union and they were initially reluctant to help as “this is their problem” the charge was pre-approved and authorized (read the fine print).

After much phone work the credit union agreed that I should fill out a “Unauthorized Automatic Debit” form; sign it and FAX it in.

I was able to print one out online and sign it; drove up to Willow Grove (our branch) and get the ball rolling.

Should take 3-5 days to get the money back in our checking account.
Then I can settle with the credit card company.

What a hassle. I will NEVER use automatic bill pay on my credit cards again.
You should also think twice.


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Old 12-14-2014, 05:28 AM   #2
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Wow! What a headache. Hope they fix it fast for you.

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Old 12-14-2014, 05:29 AM   #3
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My gosh - this is one of those "always heard about it" stories that you never expect to happen to you.

We've been called several times by the fraud department of our bank and asked if we bought major items in California...but, it was usually caught very early. Never had any fraudulent charges get through (yet...hopefully never!!).

Best wishes getting all this mess cleared up.

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Old 12-14-2014, 05:45 AM   #4
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We live in a Brave New World and sometimes we forget there are sharks in the water along with the pretty fish.

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Old 12-14-2014, 08:11 AM   #5
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Wow, that really SUCKS Lou! I'm surprised the credit card company allowed that charge to go through because it was so out of the ordinary. Normally charges like that are caught and stopped.

I have had credit cards compromised 4 times now and 3 of the 4 times the credit card company caught and stopped the charge before I knew about it. They also placed a "freeze" on any future transactions until they contacted me.

I hope this all works out for you.

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Old 12-14-2014, 08:17 AM   #6
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I'm sorry that happened to you. The Credit Card company will have to fix it for you. The Credit Card company just wants the easy way out. The Credit Union will have to work with them. If you can go to the credit union, go and speak with a manager. Ask me how I know
Call your local Police and report it. Make them take a report. If any of your identity was stolen there is a huge list to follow, like freezing your credit with the 3 credit bureaus, call the IRS again, ask me how I know

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Old 12-14-2014, 08:37 AM   #7
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What's the world coming to. Sorry to hear what happened. I used to like my debit card but not any more, I guess we all need to go back to checks and cash and there was never much hassle all the electronic paperless transactions where no brought about for our convenience but for bank expense savings. They say 97% of all companies have been compromised. A sad fact that we must not over look and be on the guard of electronic thieves at all times.
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Old 12-14-2014, 08:46 AM   #8
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Good luck getting this sorted out herk
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Old 12-14-2014, 08:50 AM   #9
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I am a member with Protect My They have caught several possible suspicious transactions. My American express immediately sends out a text when something is charged to my account where my card was not present, like on line purchases.

My wife's VISA card was stolen and I seriously thought about not reporting it.
The person who stole it spends a lot less than her.. LOL
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Old 12-14-2014, 09:24 AM   #10
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You will eventually get your money back but the vendor who was scammed for the original $10,000 - not so much! I've been on that side of the fence. If a physical card was not present, the vendor is out.

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