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 Posted: Fri Oct 12, 2007 11:48 am |
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Jen , The onky company I have heard do this is Geneva. But I heard it about 5 times this week. One poster asked them how they got the new bank info , and they told them that they use an agenct that find these bank accounts . It really does scare the hellout of me
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kashzan
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| Posted: Fri Oct 12, 2007 11:49 am |
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So what's to be done?
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Matt_2007
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| Posted: Fri Oct 12, 2007 11:49 am |
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Geneva Roth is known for doing this . . . .
With the databases of information nowdays, it is not hard for a company to find out what bank you may use. They can pull your Chexsystem report, and see any recent inquiries on it. That could tell them what bank you've opened a new account at. Then they can hit the account. Some banks will allow a business with a contract to debit an account with a ss#.
What bank you use isn't really confidential information, only your account info is. Banks can sell your name for marketing purposes. Therefore that same info could be in any number of databases.
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goudah2424
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| Posted: Fri Oct 12, 2007 11:51 am |
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Ahh yes goudah....you are correct, bank name is not really "confidential" per se. I should have noted that. I know that my bank will not give any info even with a ssn even to a business.
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volleyballmom
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| Posted: Fri Oct 12, 2007 11:57 am |
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Volley, I hope my bank is as good as yours!! This whole thing terrifies me.
But luckily I never had a loan with Geneva Roth.
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JEN5276
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| Posted: Fri Oct 12, 2007 11:57 am |
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Ok someone help me out. Im confused and, paranoid Goudah , dont kill me i am always on you about this.I understand they can find out your new bank. Ok that being said, dont they also need your account # to debit. Can a bank really just accept a ssn .Sorry guys , but this is the one topic that gets me crazy.
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kashzan
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| Posted: Fri Oct 12, 2007 11:57 am |
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Most wouldn't allow a business to debit with a ss#, but I've heard of it happening a few times . . . .
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How I make some extra cash
I earn at least $20 extra every month doing offers. And you don't have to pay a cent.
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goudah2424
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| Posted: Fri Oct 12, 2007 11:58 am |
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I just spoke to my bank. They said that they won't give out the information to anyone exacept the account owner or authorized users (my wife, for example). That begs the question, how did they get the info? It is scary...
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Matt_2007
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| Posted: Fri Oct 12, 2007 12:00 pm |
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Matt, I suppose the good part of all of this is that the bank is not paying the debit. Yes it is a scary thing
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kashzan
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| Posted: Fri Oct 12, 2007 12:01 pm |
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Agreed, and they said they won't accept any more attempts, but it still really irritates me!
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Matt_2007
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| Posted: Fri Oct 12, 2007 12:02 pm |
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Matt, why dont you register and become amember. It is free amd there is a lot of information in these forums
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kashzan
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| Posted: Fri Oct 12, 2007 12:03 pm |
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I don't really need consolidation help and I thought debt consolidation help was 'part of the deal'...
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Matt_2007
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| Posted: Fri Oct 12, 2007 12:04 pm |
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With the "information age" being how it is, information is all over the place. There are huge databases that collect info everyday. There are businesses that do "skip tracing", a process used to find out information about someone. While it shouldn't be possible to get someone's account info, it isn't that hard, or else ID theft would not be such a huge problem.
Without knowing much more information, there is no way to say for sure how Geneva got your account info.
But- As Kashzan said, the bank will reverse these charges 100% of the time, because they are not authorized. It's just the same as some person on the street getting your account info.
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How I make some extra cash
I earn at least $20 extra every month doing offers. And you don't have to pay a cent.
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goudah2424
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| Posted: Fri Oct 12, 2007 12:06 pm |
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If you register you get a free consultation, but you certainly do not have to get it if you dont need it. You do have PDLs and we can help a lot with that.Its up to you. Thank you for bringing this Geneva thing to light for us
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kashzan
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| Posted: Fri Oct 12, 2007 12:07 pm |
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I've been a lurker and you've helped me a ton get all of the PDL's under control, for sure. This is the last lingering one out there.
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Matt_2007
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| Posted: Fri Oct 12, 2007 12:09 pm |
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Well Matt, it is great to know that you have been lurking. If you ever need us, we are here.
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kashzan
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