Finally hard debit block National City. fraud....so now what?
Date: Thu, 08/27/2009 - 09:43
OK...After struggling for months, National City finally put a hard debit block on my account. ONLY because I had fraudulant charges. No joke, all of these electronic checks went through my account, in small amounts...30 dollars, 40, 60, 80 and so on. They were from non-existant places with generic websites. I had talked to someone at one of the numbers and they said that I had authorized this charge (freedom protection?) when I applied for a payday loan. No..umm I did not. SO now, I have a new account, my old is blocked and the bank manager assured me that no ach would reopen it, and I could close it when I have the balance to zero. Finally, I have been trying to get them to do this for so long, that I am thankful and worried in the same breath.
I am in Pennsylvania.
Here's the 411.
A while back, I applied for payday loans to help cover some overdraft charges. I made one mess up in my account and the cascade was terrible. ANyways, to make a long story short, I was not very familiar with the process...and After filling out a million applications I gave up. My account was such a mess...I had deposits going in an out...companies I never heard of...and just yesterday a debit from LPcollections, which I disputed. I finally figured out that a long ago deposit, which I thought was from my credit union labeled"din investments" was a loan from Loan Point, to my surprise, as I had never authorized or spoken to anyone about a loan from them.
Now I have deposits and withdrawals form all of these different companies, and no tracking...no e-mails, no phone calls to verify my info nothing!
I know this is my fault and I was so stupid...to give my info and wreak such havok on my account! I will never do this again.
How do I even begin to find out what loans I actually have and owe on? There were only two I knew of, and those were almost paid off. DO I just look these places up online? If I authorized it, like I said...never an email, phone call...anything...just...so now the games will begin.
The legitimate ones, there are two I know I authorized Cashnet and Payday One, which both were almost paid off...actually overpaid. I sent them ACH revocations.
I do not want to give anyone...NO ONE access to my account ever again.
So now do I wait for the phone calls? What is my next step to start figuring this mess out?
Thank Goodness for the fraud...or I would surely be in some real trouble in my account...it is so messed up right now!
I am in Pennsylvania.
Here's the 411.
A while back, I applied for payday loans to help cover some overdraft charges. I made one mess up in my account and the cascade was terrible. ANyways, to make a long story short, I was not very familiar with the process...and After filling out a million applications I gave up. My account was such a mess...I had deposits going in an out...companies I never heard of...and just yesterday a debit from LPcollections, which I disputed. I finally figured out that a long ago deposit, which I thought was from my credit union labeled"din investments" was a loan from Loan Point, to my surprise, as I had never authorized or spoken to anyone about a loan from them.
Now I have deposits and withdrawals form all of these different companies, and no tracking...no e-mails, no phone calls to verify my info nothing!
I know this is my fault and I was so stupid...to give my info and wreak such havok on my account! I will never do this again.
How do I even begin to find out what loans I actually have and owe on? There were only two I knew of, and those were almost paid off. DO I just look these places up online? If I authorized it, like I said...never an email, phone call...anything...just...so now the games will begin.
The legitimate ones, there are two I know I authorized Cashnet and Payday One, which both were almost paid off...actually overpaid. I sent them ACH revocations.
I do not want to give anyone...NO ONE access to my account ever again.
So now do I wait for the phone calls? What is my next step to start figuring this mess out?
Thank Goodness for the fraud...or I would surely be in some real trouble in my account...it is so messed up right now!
Hello, welcome.. the best way to see who you owe is to go over y
Hello, welcome.. the best way to see who you owe is to go over your bank statements. Even if you did not authroize the deposit this board advocates that you pay back all that was borrowed.
