07-06-2005 03:12									#1
	Identity Theft, or is just borrowing? Help yourself to an AD-FREE life

Someone took $105.00 out of my bank account. Or rather, I noticed that there $105.00 went missing and don't remember doing it. I called it in, they are switching my account and it shouldn't happen again... shouldn't. I don't know if I am getting my money back, but it was only $105, and only once... I will live.

Thing is, the bank blamed identity theft, I blame the bank! $105.00 check, not even one of my checks, cashed in Minnesota when I am in CA, it has my current address, but I bank out of Fresno so I use that address, and the check wasn't even signed or endoresed and the BANK CASHED IT!!

If I don't get my money back I will push a little harder and then switch banks. I have been with this bank for 12 years, but this absurd. I just want to tell them not to cash anything on my account that isn't signed!

Oh, the check number, 999999. Idiots! (the bank, not the dude trying to be me)

Scary thing; I just transfered $5k into it to pay my contractor. Whew.

	07-06-2005 03:16									#2
	Remove this text

Just go hard on the bank - it's their fault and responsiblilty.

	07-06-2005 03:18									#3
	Re: Identity Theft, or is just borrowing? Support Apolyton, buy Alpha Centauri

quote: Originally posted by Japher Thing is, the bank blamed identity theft, I blame the bank! $105.00 check, not even one of my checks and the check wasn't even signed or endoresed Oh, the check number, 999999

Three strikes...

They can't hold you responsible if they check isn't signed or endorsed. Identity theft... HAHAHAHAHAH... NO... just a stupid bank!

	07-06-2005 03:18									#4
	Lose 30 kilos (of popups)

Yeah, it's somewhere in the Commercial Code. They're responsible for cashing an unendorse check. You should get your money back.

	07-06-2005 03:19									#5
	Enter the AD-FREE zone

The only other problem I've had with this bank is that they once took out a couple of hundred dollars and put something like 000000000 on the line that generally tells me why that debit is there. How stupid is that?

I asked them about it and it turned out my lil' sis cashed some bonds at the bank and they over paid her and so when they went to get it back they took it from my account.

How lame is that?

They make a mistake by giving my sis too much money on her bonds and then to correct it they charge me?! Morons I tell ya.

	07-06-2005 03:21									#6
	Support Apolyton, buy Alpha Centauri

quote: Yeah, it's somewhere in the Commercial Code. They're responsible for cashing an unendorse check. You should get your money back.

Good. I have a copy of the canceled check.

I was headed to the bank to deposit my pay check (that is on hold) when I noticed the debit. So I went into the branch and asked them. They gave me a copy of the check and told me to call the customer service. I was all, "what, you don't have customer service here?"

lame

	07-06-2005 03:23									#7
	Got spare money?

Get out of that bank as fast as possible. They has no right to do anything like that but speculates in "suckers" that don't dare or bother to take up the fight.

Actually, that should be an criminal offense, at least here.

	07-06-2005 03:24									#8
	Tired of ads?

Wait until they refund the money before you close your account

	07-06-2005 03:25									#9
	Support Apolyton buy from Amazon

quote: Originally posted by Ming Wait until they refund the money before you close your account

- that would be smart.

	07-06-2005 03:25									#10
	Support Apolyton, buy Civilization III: Complete

I asked the customer service guy how it is that someone can cash a check with endorsing it, in a state that is mine, one a check that doesn't even have my correct address (but my home address), on a check number that doesn't even exist?

He said, "that's how these ID thefts do it"

BS, you guys are just handing out my money willy-nilly!

So, how's Washington Mutual?

	07-06-2005 03:26									#11
	Support Apolyton, buy Alpha Centauri

Speaking of stupid banks does anyone have a link to the story about the guy who deposited one of those spam mail checks? Some spam company e-mailed a picture of a check with the recievers name on it for $100,000 and attached a message saying "You may have already won" etc... Well, the guy decided to see what would happen so without endorcing the check he just deposited it using an ATM and, low and behold, the bank cleared the check! He withdrew the money in the form of a cashier's check and put it in a safe deposit box and the bank eventually figured out their error (months latter) and came looking for the money. Legally, so much time had passed that the money was his but he agreed to return it if the bank appoligized for being so rude to him and trying to trash his credit. It was a long funny story.

	07-06-2005 03:26									#12
	Support Apolyton, buy GURPS/ Alpha Centauri

There was a thread on it earlier.

	07-06-2005 03:26									#13
	Lose 30 kilos (of popups)

Oerdin, that was posted here last week I think.

	07-06-2005 03:27									#14
	Re: Re: Identity Theft, or is just borrowing? Support Apolyton, buy Civilization 2

quote: Originally posted by Ming Three strikes... They can't hold you responsible if they check isn't signed or endorsed

	07-06-2005 03:35									#15
	Get a bigger avatar today!

here ya go Oerdin

http://www.goodthink.com/$$tablecontents.html

	07-06-2005 03:35									#16
	Support Apolyton, buy GURPS/ Alpha Centauri

Change your bank. ASAP. They wouldn't fight you if they were giving you a service and respecting you as their client. They know it's their own fault, yet they try to stick you with.. little over hundred bucks? Hey, if it was one million, I'd understand, but they won't even write hundred bucks as losses because of their own incompetence and instead try to make YOU pay for it?

Forget about it. Get your money back, get your lost money and change the bank.

	07-06-2005 03:36									#17
	Avatar Enlargement: We've got the solution

http://www.goodthink.com/writing/vi...id=11&page_id=2

	07-06-2005 06:29									#18
	Support Apolyton, buy Civilization III: Complete

Amazing, what idiots your bank has working for it! Btw, what bank was that? Account #? Just curious.

	07-06-2005 06:49									#19
	Support Apolyton, buy GURPS/ Alpha Centauri

quote: Originally posted by Oerdin Speaking of stupid banks does anyone have a link to the story about the guy who deposited one of those spam mail checks? Some spam company e-mailed a picture of a check with the recievers name on it for $100,000 and attached a message saying "You may have already won" etc... Well, the guy decided to see what would happen so without endorcing the check he just deposited it using an ATM and, low and behold, the bank cleared the check! He withdrew the money in the form of a cashier's check and put it in a safe deposit box and the bank eventually figured out their error (months latter) and came looking for the money. Legally, so much time had passed that the money was his but he agreed to return it if the bank appoligized for being so rude to him and trying to trash his credit. It was a long funny story.

He should have put into a saving account and took the Int.

	07-06-2005 06:49									#20
	WAMU Support Apolyton, buy Alpha Centauri

I have had very good service from Washington Mutual and have never encountered any problems.

	07-06-2005 06:50									#21
	Support Apolyton, buy Civilization 2

quote: Originally posted by BlackCat Get out of that bank as fast as possible. They has no right to do anything like that but speculates in "suckers" that don't dare or bother to take up the fight. Actually, that should be an criminal offense, at least here.

I 2nd this motion.

	07-06-2005 06:51									#22
	Support Apolyton, buy Civilization: The Boardgame

quote: Originally posted by Ming Wait until they refund the money before you close your account

And I 2nd this also.

	07-06-2005 06:56									#23
	Re: WAMU Support Apolyton, buy Civilization: The Boardgame

quote: Originally posted by pchang I have had very good service from Washington Mutual and have never encountered any problems.

two of my Children use that bank.

	07-06-2005 06:56									#24
	Support Apolyton buy from Amazon

Electronic checks don't have endorsements (just voice affirmation) and may have ridiculously high check numbers to keep from conficting with regular checks. Have you paid any creditors $105 recently? Ask your wife, too. It's a strange amount for ID theft.

	07-06-2005 07:14									#25
	Support Apolyton

quote: Originally posted by chegitz guevara Electronic checks don't have endorsements (just voice affirmation) and may have ridiculously high check numbers to keep from conflicting with regular checks. Have you paid any creditors $105 recently? Ask your wife, too. It's a strange amount for ID theft.

Unless these guys are skimming several hundred people at the same time. They take a small about so you will not be alarm when you see your statement.

This happen to me. Several month ago, I order a computer game (Locomotion) from EB with one of those promotion attach if you go that far. I did not order the promotion service, just paid for the game. Two month later I saw a 15.00 charge on my Credit Card for some type of service, so I call and ask them what was going on. They said sorry and we will refund your money right away. I also call the CC and stop payment on the service. Just think if they did this to everyone who order Locomotion from EB.

This also happen to us. 4 month ago, I received a letter from Post Office, informing us that a person was caught with a sheet of paper and 5 checks were photocopy on the paper. One of the check was a check that we wrote back in Jan of 2001. The other checks on the paper belong to other people. We had to go change my wife checking account and that took more than 3 hours.

	07-06-2005 07:33									#26
	Inflate your Upload Space

CHe; I have a copy of the check, so I know who it was made to, and no I have never had any dealings with that place. It appears someone forged the entire check and just used my account number and the stupid bank cashed it.

For those who care it is Wells Fargo... It's only been in the last year that I have had any problems. I have been with them for 12+ years with no problem. I don't know what is going on with them, but they have pissed me off more than once and twice and the past year.

They are about to lose a customer

	07-06-2005 08:19									#27
	Tired of ads?

What you may have there is an automated or electronic payment for someone else and a typo in the account number.