Bank Fraud

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Bank Fraud

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Posted 11-08-2011, 04:48 PM

spyderdsm

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Bank Fraud

I received a call from a chase branch manager saying that someone went into his branch with my savings account trying to withdraw $6500. They picked up on the fraud and refused to pay out the withdrawal. For security reasons they had to put a hold on both my checking and savings account until I went to a local branch to close and re-open my accounts which I did so immediately. I also received tons of notifications from my email, sms and chase app on my phone so I know something wasn't right.

As per the branch manager the person went in using a ID with my name on it. He states that they have reported it to local authorities and have it all on camera. Chase states I don't need to do anything else but Im still worried as to how someone can get my savings account # since I don't use that account for anything. I also saw my credit report last week and everything is good and there are no red flags.

I still feel uneasy knowing someone got my savings account # and was able to get an ID with my name on it.
Are there any other steps I should take or should I just leave it as is and let chase take care of everything since I didnt lose any money and my credit report seems fine?

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11-08-2011, 04:48 PM
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11-08-2011, 04:54 PM

gpister L6: Expert Member sinceOct 2008 Posts1,492 LocationSo-Cal Reputation 114 Followers 0 + Give Rep	That is very scary you should defiantly call them up and ask for a brand new savings account number (to change it and all). That is scary do you get paper bills maybe from the trash they got it? Do you check your account online how often? Did it happen locally or out of state? Last edited by gpister; 11-08-2011 at 04:57 PM.. just being slick
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11-08-2011, 05:04 PM

spyderdsm

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Quote from gpister

That is very scary you should defiantly call them up and ask for a brand new savings account number (to change it and all). That is scary do you get paper bills maybe from the trash they got it? Do you check your account online how often? Did it happen locally or out of state?

I check my account online everyday and statements are paperless. I received alerts on my phone once chase put the hold on the account. Chase did setup new bank account #s and new card will be issued.

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11-08-2011, 05:14 PM

gpister

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Quote from spyderdsm

I check my account online everyday and statements are paperless. I received alerts on my phone once chase put the hold on the account. Chase did setup new bank account #s and new card will be issued.

Do you do it via your own internet like provider or sometimes do you check online from other wifi connections? Once I also had this scary alert from BoF I called them right way (I got a txt about trying to transfer) and I called and they said it was nothing I freaked out, big time, but someone went inside the branch with yours I think you should be fine of what I can think of.

Last edited by gpister; 11-08-2011 at 05:18 PM..

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11-08-2011, 06:45 PM

lickeals Permanently Banned Member sinceJun 2011 Posts425 Reputation 120 Followers 0 + Give Rep	An $8/hr worker at Chase probably sold your info to a criminal-in-training(a request for a big withdrawal is obviously going to arouse suspicion...rookie mistake) Next time, he'll be smarter; ask for $2k, & walk out with your money.
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11-08-2011, 08:02 PM

spyderdsm

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Quote from lickeals

An $8/hr worker at Chase probably sold your info to a criminal-in-training(a request for a big withdrawal is obviously going to arouse suspicion...rookie mistake) Next time, he'll be smarter; ask for $2k, & walk out with your money.

I was told the same thing from a friend that works in banking. He said it was probably an inside job. I could understand a criminal having my checking accounting because I use it to pay bills, but I don't use my savings account for anything.
I also monitor my accounts very well. I check it everyday like a hawk.

and wow chase really pays its workers $8/hr to handle sensitive customers information and make transaction.

Last edited by spyderdsm; 11-08-2011 at 08:03 PM.. Reason: $8/hr wow

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11-08-2011, 08:07 PM

Microtubule

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Quote from spyderdsm

I was told the same thing from a friend that works in banking. He said it was probably an inside job. I could understand a criminal having my checking accounting because I use it to pay bills, but I don't use my savings account for anything.
I also monitor my accounts very well. I check it everyday like a hawk.

and wow chase really pays its workers $8/hr to handle sensitive customers information and make transaction.

That obviously was an exaggeration.

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11-08-2011, 08:37 PM

PiratesSayARRR Pirate's Life For Me Member sinceOct 2004 Posts11,027 LocationSan Diego Reputation 767 Followers 1 + Give Rep	I doubt he had your account number. He probably had an id and ask the teller for your account number when he was asking for the withdrawal. Hate is a strong word... but I really really really don't like you
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11-09-2011, 06:13 PM

Nollywood

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Your account number is printed on checks, did you pay anybody recently with a check? Maybe they deposited the check by phone and threw away the check. Then a malicious person found it and created a fake ID using the information printed on the check (in the upper left hand corner, the check usually contains name and last name, current address, zip code).

I doubt a teller would be the perpetrator in this case since there are so many cameras at banks now. Teller fraud might have been more prevalent in the 50s-80s, but not as much now. The crook probably saw "Catch Me If You Can" and thought he can pull off a Frank Abagnale, Jr.

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#10

11-09-2011, 10:09 PM

Brian1

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Freeze your credit immediately with Equifax [equifax.com], Experian [experian.com], and TransUnion [transunion.com]. Even if this didn't happen to you, it's a good idea to freeze your credit.

Also, get a police report. You never know when this might come in handy. I'd have one written up and keep it forever, just in case.

Use wisely your power of choice.
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Comfort is the enemy of achievement.
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#11

11-10-2011, 12:08 PM

attgig

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Quote from Nollywood

The checks only give the acct number of checking acct. not savings acct. it's getting the savings acct number that's really fishy...

i want my Zakk Wylde guitars!

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#12

11-10-2011, 02:49 PM

spyderdsm

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Quote from Nollywood

they tried to take money from savings account only. I didn't make any transactions using my savings account. The only transactions I made was pay monthly bills using my checking account and I also deposited a check into my bank account in the beginning of november to my checking account.
Im also monitoring my credit with credit karma

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#13

11-10-2011, 03:56 PM

PiratesSayARRR

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Quote from spyderdsm

Like I said before he likely didn't have your savings account number. He probably had a fake id and tried to withdraw using that. It's possible that the teller wrote the account number on the withdrawal slip and instead of the bank owning up to that they told you that he already had the account number.

I don't even have my own savings account number memorized.

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#14

11-10-2011, 05:44 PM

spyderdsm

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Quote from PiratesSayARRR

how does the thief know I have an account at that certain bank.
So you believe the bank gave them the account # and balance on my account by just providing ID?

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#15

11-10-2011, 05:51 PM

Brian1

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Quote from spyderdsm

how does the thief know I have an account at that certain bank.
So you believe the bank gave them the account # and balance on my account by just providing ID?

Could it have been a family member or friend?

In the end, what matters most is that you protect yourself from this happening ever again - regardless of who did it this time.

You could also ask your bank to instate a password on your account so that anytime anything is ever involving your checking or savings account or money market account, you have to give a password. So, even if a criminal had your account number and a fake ID, they still couldn't access your account in a branch without your password.

Last edited by Brian1; 11-10-2011 at 05:54 PM..

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