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Posted: Tue Aug 07, 2007 10:22 am Subject: Warm cookies from your grandma!

Hello everyone!

Now that I have your attention I need your advice...This morning while sitting here at work I went online to check my bank account info. To my SHOCK I was overdrawn. There was 2 seperate charges of $ 150.00 taken out of my account. The name was Ambassador Collection. After calling my bank they gave me a number 1-866-808-0936. After being on hold for ever a Dave Schofield got on and told me this was for a payday loan from Nationwide Cash. I explained to him that the PDL was from last year and it was through T&C for debt collection. He rudely told me that they dont deal with T&C and that T&C made a 30.00 payment to them and that wasnt exceptable. He then prceeded to tell me that I had no intention of paying the loan back. The kicker is when I got the loan from Nationwide Cash it was from a different account altogether. The account I have now is not even with the same bank I had the funds put in from them. Ambassador found my current account info and took out 300.00 without my authorization. I have been crying all day so far.

Over my lunch break I went to my bank which they were very helpful to me. I explained what had taken place and they encouraged me to fill out a fraud report disputing the charges. I asked the bank what happens if they say well you owe the money. She said 9 times out of 10 the person filing the complaint wins do to it wasnt authorized for them to pull the funds.

My concern is that Ambassador actually "Dave" will say that is tuff. Dave told me this morning they had all the details they needed from me anyway. Basically it has me all worried. The bank told me that they can not try to take the funds out again. My question is what happens now? What do I do now once Ambassador finds out that they didnt get paid. I'm not getting out of paying it I just dont like they way they did this without my authorization.

Please give imput! Thanks and sorry so long!

Posted: Tue Aug 07, 2007 10:37 am Subject:

Tweety
I read your post, and it does worry me alot. How can your bank or any bank allow someone to withdraw without your approval. Also, it worries me how they got your new info. How did they know it was you? What other info were they given to tie the new account to you. I mean what if someone else has the same name as you? Did this company just arbitrally take funds even if they were not sure .
I hope i made myself clear, i know i was rambling, but this situation has me very worried, and very angry

Posted: Tue Aug 07, 2007 10:42 am Subject:

I did open another account. I was very pleased with my bank. I'm just really upset that they did this.....

Posted: Tue Aug 07, 2007 10:45 am Subject:

It does happen, but very rarely. Every once in a while a pdl will manage to find the new account info. But I would say that this happens about 1 out of 200 . . . . . So the odds are on your side. The good thing is that you will be able to get the bank to reverse the charges.

Kashzan - The odds are on your side. This isn't the norm, so don't worry about it happening to you.

Posted: Tue Aug 07, 2007 10:51 am Subject:

Goudah
Thanks so much for easing my fears.
Dont know why, but today everything seems to be worrying me. Since i found this wonderful forum, I have been calm and not afraid any more. Today,however all old fears came back. I guess its natural as I am still new at this. Everyones support sure does help
chase away the fears and the blues. This site and the
really great members is a blessing
Tweety
Im sorry that this mess happened to you. Keep us posted as to weather your bank refunded the fraudulant deductions. These companies really need to be stopped. To me its like they are trying to make stealing legal

Posted: Tue Aug 07, 2007 10:59 am Subject:

Really, odds are greatly on your side.

There are a few ways I know that the pdl or collection agency gets your new account info. Some of the ways you can prevent.

1. Take out another pdl with the new account. New pdl is related to old pdl and they share information and hit your account.

2. Collection agency or pdl uses skip tracking, a process that goes through public records and databases of information looking for anything about you. They then use that information to track down your new bank. Technically, your account info should not be in these databases, but sometimes it is.

3. They checked your Chexsystems report, or telecheck, or another similar report. They see what bank you went and applied at. They then try to debit the account using the contract and your ss#. Some banks will allow this. Some pdl's put in the contract that once you defualt you give them authorization to debit any account they may find in your name.

I'm sure there are a bunch of other ways that they could get your new account info too, but it is very rare for this to happen. Plus, it is very easy to dispute such a transaction, since this company doesn't have any authorization to debit this specific account. So if by any chance this does happen to someone else, dispute ASAP. You should get your money back.

Posted: Tue Aug 07, 2007 11:07 am Subject:

I did tell this "dave" I was going to file complaints and he told me "to do what I needed to do"

Posted: Tue Aug 07, 2007 11:09 am Subject:

Dave sounds like a real idiot !!!!!

Posted: Tue Aug 07, 2007 11:21 am Subject:

Couldn't you also get them for theft of some sort since you did no tauthorize from this account and they just took it upon themselves? I don't mean to sound stupid, just curious since you didn't give them this info for repayment.

Posted: Tue Aug 07, 2007 11:22 am Subject:

PS - good way to get attention, and now thanks to that tag line, I feel the need to bake some chocolate chip cookies......mmmmmmm

Posted: Tue Aug 07, 2007 11:22 am Subject:

This is very upsetting, although I do believe Goudah that it's probably not very likely to happen, but still. It makes me want to keep my money under my mattress, and not in a bank!

The odds of this have to be slim, and to be honest, this sounds criminal to me.

Posted: Tue Aug 07, 2007 11:29 am Subject:

Yes!!! Like I said its as if they are trying to make stealing legal. It does make you wonder about where you keep your money. I suppose though that Goudah is correct and this is very rare. I have not seen any other posts regarding this happening to anyone else.
I have just opened my third bank account, and really dont want to have to worry about it. First one closed because of PDLS, second one closed because i bought something on the net and was scared that they could get my account info somehow,. This third account I am guarding with my life. I will never put this number anywhere, or give it to anyone. I have learned my lesson

Posted: Tue Aug 07, 2007 11:43 am Subject:

What i do to minimize any "loss" is this:

I have 4 bank accounts. My workplace allows me to split up my direct deposit between as many accounts as I want, so this works well. That way if one account gets hit by something it shouldn't, i still have money to live off of in the other accounts.

But I really got burned by my bank, and have little trust in them. I would say I'm pretty paranoid when it comes to banks . . . .

Posted: Tue Aug 07, 2007 12:01 pm Subject: confused

I'm totally confused here. How in the world did they get tweety's new bank information? This was a pdl from a year ago? And suddenly they found tweety's account information and debited her account? tweety, did you apply for any other pld's with your new account information? As stated in an above post, if this is the case, it may have been a related pdl and they found you. If you hadn't applied for any pdl's with the new account information, I find it amazing that a year later a pdl can come out and find your new bank information.

Posted: Tue Aug 07, 2007 12:05 pm Subject:

Cannr, I'm thinking the same thing. Tweety didn't say she applied for any new PDLs though. So, how can this happen? Goudah mentioned that they could have gotten the info through Chex, and I guess that's possible. Hard to believe, but possible.

Posted: Tue Aug 07, 2007 12:08 pm Subject:

My point is how can they jut go into someones bank account and debit the funds without any authorization?

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