So it was my birthday yesterday...*MORE CC FRAUD!***UPDATE 2***

[Rufio]

Went to vegas w/my homies this past weekend for my birthday -- won lots of money this time.

had a freaking great time!

but Sun morning Washington Mutual Fraud calls me -- and asks me about some charges that were made to my card -- apparently someone ordered about $800 worth of computer crap using my credit card!

WTF!!!

The only two internet websites I ordered from lately is :
svc.com
jab-tech.com

Man this sucks!!!!!!!!!!!!!!!!!!!!

*UPDATE*
So i went to Washington Mutual to get the paperwork filled out for the fraud thing.

Then I deposited a large amount of money to cover some checks I had written out before all of this.

Tonight, I am checking my account, and I have $2077.29 in unknown charges again!!! My balance shows that I have that much missing, but Washington Mutual is updating their database, so I won't konw what the actual charges are until 6am PST.

AGH!!!

I'm freaking freaked out that I won't get my $$ back!!

Can anyone help or tell me from experience how things will go???
AGH!!A??!

update 2
Alright, let me do my best to address all the questions.

THe card is a Washington Mutual Visa Check/Debit card.

As soon as I found out about the charges, I went the bank and closed the credit card attached to the account. I had written a bunch of checks the previous week to pay for bills, and I told the teller this information. She stated that the card was cancelled, so it could not be used. However, the checks that I wrote would be fine to clear w/o problems. She assured me that nothing but my checks would clear -- the account was frozen.

Anyway, I checked my account this morning online, and I freaked out over nothing -- the bulk of the checks I wrote were the ones posted on my account and cleared, and only a few of the same fraud charges showed up. Here are the transaction details:

11/15/2004 DIRECTDEBIT/VISA-VTL SCE 18776471300 $46.90

11/15/2004 DIRECTDEBIT/VISA-1ST CLASS SOFTWAREMISSISSAUGA ON $59.19

to alisolm
1. the card was cancelled right away
2. I wrote checks w/o more than enough $$ to cover them before the fraud.
3. I had no choice -- i did not want to bounce 10 checks. Plus the teller assured me that it would be fine.
4. I was hanging out w/my friends all weekend - i was still in the "homies" mood. SORRY!

 

[kalster]

happy belated b'day

 

[Frew]

Computer crap... Must be somone from anandtech.

 

[TechnoKid]

they stole the card or the number?

and happy bday

 

[Rufio]

stole the #.
the card is still in my possession.

the charges were :
$45 wilbill
$640 drregsoft.com
$46.90 veritel transaction/direct marketing
$59.19 first class software
$1.00 yahoo wallet authorization charge.

Does anyone know what this stuff means?

 

[Mr. Lennon]

Sucks about the card, really weird what the stealer bought. I went to that drregsoft.com and it looked like some spam crap website. I would possibly change your card number because this could lead to more problems later down the road. On a side note my bday was on the 14th too lol. Just went out with the family and some friends for dinner. Deffinitely not as fun as Vegas : )

 

[Rufio]

my card has been cancelled, charges are frozen.

i gotta go to the bank tomrorw morning and get it straightened out -- this is the first time this crap has happened to me.........i hate it!

 

[Rufio]

Went to vegas w/my homies this past weekend for my birthday -- won lots of money this time.

had a freaking great time!

but Sun morning Washington Mutual Fraud calls me -- and asks me about some charges that were made to my card -- apparently someone ordered about $800 worth of computer crap using my credit card!

WTF!!!

The only two internet websites I ordered from lately is :
svc.com
jab-tech.com

Man this sucks!!!!!!!!!!!!!!!!!!!!

*UPDATE*
So i went to Washington Mutual to get the paperwork filled out for the fraud thing.

Then I deposited a large amount of money to cover some checks I had written out before all of this.

Tonight, I am checking my account, and I have $2077.29 in unknown charges again!!! My balance shows that I have that much missing, but Washington Mutual is updating their database, so I won't konw what the actual charges are until 6am PST.

AGH!!!

I'm freaking freaked out that I won't get my $$ back!!

Can anyone help or tell me from experience how things will go???
AGH!!A??!

 

[qarlandZ]

What is "lots of money" ? I've won 10 bucks once, then I spent it at the CC -CIRCUS CIRCUS- WOOT.
I'm a loser. Happy b-day BTW

 

[machintos]

happy belated and birthday and sorry about the CC, hope you get the money back...

 

[RossMAN]

1) Please re-confirm it's a credit card (not debit/check card), right?

2) VISA or MasterCard?

 

[Gibson486]

can't you put a hold on your card or freeze your account?

 

[purbeast0]

Originally posted by: Gibson486
can't you put a hold on your card or freeze your account?

i was wondering why he didnt do that either after the first problem.

 

[RossMAN]

According to WAMU they are a thrift and savings bank not a commercial bank (Like Bank of America, Wells Fargo, Chase, CitiBank, etc.) so they don't offer traditional credit cards.

I don't see credit cards, do you?

 

[Gibson486]

Originally posted by: RossMAN
According to WAMU they are a thrift and savings bank not a commercial bank (Like Bank of America, Wells Fargo, Chase, CitiBank, etc.) so they don't offer traditional credit cards.

I don't see credit cards, do you?

I think he means a checkcard that can be accesse via the Mastercard network. I think those cards do not insure any amount that is considered stolen. If they do, it is a small amount.

 

[randomlinh]

you were suppose to close the card the first time it happened

 

[Oakenfold]

Sounds like he's talking about a visa check card.
Otherwise I don't know why he would be talking about his bank account balance with unauthorized charges showing up.

Visa's liability policy
Not sure if this includes check cards but the description matches what I'm familiar with for visa signature based claims.

 

[allisolm]

You:
1. didn't cancel the card after finding out that someone was charging on it
2. wrote checks without any money in the account to cover them
3. deposited "a large amount of money" in an account connected to a card being used fraudulently without severing the connection.
4. said "homies"

I hope you get your money back and that, please,please, you learned something from this.

 

[Legendary]

If you haven't cancelled the card yet, now's the time.
Although at most banks if there's fraud they'll automatically freeze/stop and then cancel the card. Wonder why they didn't at Wamu.

 

[RossMAN]

Originally posted by: allisolm
4. said "homies"

LOL Thanks for the laughs

 

[Qacer]

Doesn't VISA have a policy that you are liable only up to $50 if your card is stolen?

 

[AnyMal]

Originally posted by: Qacer
Doesn't VISA have a policy that you are liable only up to $50 if your card is stolen?

It's not a Visa policy, it's the Federal law. AFAIK it applies to check cards (debit) as well as long as they have Master Card or Visa logos.

 

[RossMAN]

Originally posted by: Qacer
Doesn't VISA have a policy that you are liable only up to $50 if your card is stolen?

VISA Zero Liability but YMMV depending on the circumstances and how quickly the account holder reports it.

 

[Rufio]

Alright, let me do my best to address all the questions.

THe card is a Washington Mutual Visa Check/Debit card.

As soon as I found out about the charges, I went the bank and closed the credit card attached to the account. I had written a bunch of checks the previous week to pay for bills, and I told the teller this information. She stated that the card was cancelled, so it could not be used. However, the checks that I wrote would be fine to clear w/o problems. She assured me that nothing but my checks would clear -- the account was frozen.

Anyway, I checked my account this morning online, and I freaked out over nothing -- the bulk of the checks I wrote were the ones posted on my account and cleared, and only a few of the same fraud charges showed up. Here are the transaction details:

11/15/2004 DIRECTDEBIT/VISA-VTL SCE 18776471300 $46.90

11/15/2004 DIRECTDEBIT/VISA-1ST CLASS SOFTWAREMISSISSAUGA ON $59.19

to alisolm
1. the card was cancelled right away
2. I wrote checks w/o more than enough $$ to cover them before the fraud.
3. I had no choice -- i did not want to bounce 10 checks. Plus the teller assured me that it would be fine.
4. I was hanging out w/my friends all weekend - i was still in the "homies" mood. SORRY!

 

[RossMAN]

I only use my debit card at the grocery store/Walmart/Target where you have to enter a PIN.

Otherwise it's always a credit card, plus the rewards are nice