29 Aug 12
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Originally posted by PhlabibitThe hell with this i'm posting an add on the paper about my experience with you and the bank whats your name
Murcurial hit it on the head, be sure to let them know why you'll be taking your business elsewhere and you'll be spreading the word. I can't believe with the cameras they won't first refund the money and pursue the criminal. For all they know YOU might recognize the person and shed some light on the subject if they can't figure it out.
Word of mouth ...[text shortened]... f business if your crummy with your customers. Might be an idea to file with the BBB also.
29 Aug 12
Originally posted by sonhouseI used to work for a large bank when I sold my soul and unfortunately it is common bank policy to deny any fraud when a PIN has been used to withdraw cash, even with a cloned card it is unusual for a fraudster to get access to the PIN as well. It normally points to someone with access to the actual card withdrawing the cash. Either a family member or a forgotten transaction, either way you will need to see that photo to know for sure. Don't know how you would get access to that if the bank don't want to pull it for you.
Hi all, so Sunday we took our grandaughter out to buy school shoes. We used my card to buy them. My wife did not use her card to the same account (debit card, we are the only ones on the account and we each have our own card with different #'s)
Wells Fargo bank. It seems someone withdrew $80 from an ATM at our home bank using her card and pin # from our ...[text shortened]... re and go to another bank, but don't know if the rules are any different anywhere else.
29 Aug 12
Originally posted by sonhouseI'm so sad to hear of your situation. I can't give you any advice on the financial situation but I do feel that you need help with your son. As a mother and grandmother I have seen and experienced things too, and at times I really didn't know what to do - there seemed to be no solution at all. But circumstances changed when we least expected it and there were possibilities.
Here is another trick my son pulled: Borrowed my wife's card, took out DVD's at redbox, the kiosk they stick in Turkey hills and so forth. So far I have about $75 in charges on that deal, they didn't know Redbox charges $1.20 a day late fee for DVD's and 2 bucks a day late fee for video games. So they have been consistently late and I am stuck with the bill ...[text shortened]... now I have to depend on a small stash of cash I stuck in my wallet for just such occasions.
I would like to say this: try to stay true to yourself and your principles. It should be made clear to them that they must show respect to you and your wife, but you probably need help to do that. It's difficult to see how it can go on the way it is now.
29 Aug 12
Originally posted by cadwahSonhouse may have been the victim of Skimming rather than scamming, whereby criminal gangs place a clone device over the teller machine that can not only read the device but also record the pin number.
I used to work for a large bank when I sold my soul and unfortunately it is common bank policy to deny any fraud when a PIN has been used to withdraw cash, even with a cloned card it is unusual for a fraudster to get access to the PIN as well. It normally points to someone with access to the actual card withdrawing the cash. Either a family member or a forgot ...[text shortened]... r sure. Don't know how you would get access to that if the bank don't want to pull it for you.
29 Aug 12
Originally posted by kevcvs57Possibly but I would say unlikely, unlikely because they only withdrew $80 and only tried to withdraw money once. I assume this because the bank would record unsuccesful attempts to withdraw cash that isn't there, it is a major indicator of a cloned card.
Sonhouse may have been the victim of Skimming rather than scamming, whereby criminal gangs place a clone device over the teller machine that can not only read the device but also record the pin number.
29 Aug 12
Originally posted by cadwahI get your point and it makes sense, just wondered because it was happening a lot in the UK a couple of years ago, as you say other than that the banks would assume family or friends and at least ask for a police incident No before going any further.
Possibly but I would say unlikely, unlikely because they only withdrew $80 and only tried to withdraw money once. I assume this because the bank would record unsuccesful attempts to withdraw cash that isn't there, it is a major indicator of a cloned card.
29 Aug 12
Originally posted by kevcvs57I imagine that in the UK the processes are different. There are certain safeguards in place as in that (most) banks have agreed to accept liability for fraud on their accounts and take that responsibility from the consumer (except in the case where a PIN has been used as that is deemed customer error) obviously proving one way or the other is a grey area where card skimming is concerned. Honestly the banks assume that is a family or friendwith access to the card in the case where a PIN has been used because that is what has happened in the majority of occurences.
I get your point and it makes sense, just wondered because it was happening a lot in the UK a couple of years ago, as you say other than that the banks would assume family or friends and at least ask for a police incident No before going any further.
29 Aug 12
Originally posted by cadwahThe situation has resolved itself, a manager called me and said they didn't handle the complaint well and he will be giving instructions to the team that took my complaint. It was also shown it was my son who took out the money so now we know the source.
I imagine that in the UK the processes are different. There are certain safeguards in place as in that (most) banks have agreed to accept liability for fraud on their accounts and take that responsibility from the consumer (except in the case where a PIN has been used as that is deemed customer error) obviously proving one way or the other is a grey area wher ...[text shortened]... case where a PIN has been used because that is what has happened in the majority of occurences.
We got the card cancelled and a new one on its way so that won't happen again.
Thanks for all the support everyone!
29 Aug 12
Originally posted by sonhouseHow old is your son?
The situation has resolved itself, a manager called me and said they didn't handle the complaint well and he will be giving instructions to the team that took my complaint. It was also shown it was my son who took out the money so now we know the source.
We got the card cancelled and a new one on its way so that won't happen again.
Thanks for all the support everyone!
29 Aug 12
Originally posted by sonhouseYour son needs help - he needs to find a way to earn a living or financial support of some kind, and a place to stay. I sympathise with you all and I hope that you will find the support you need.
I can't agree more but he is developmentally delayed, 23 with the emotional age of more like 15 and has reading difficulty (helped a bit by their texting, a plus there).
29 Aug 12
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Originally posted by lolofUnfortunately, I don't think the US is similar to your country or mine in that respect. Unrestrained private enterprise tends to lead to the marginalisation of people who aren't capable of functioning unassisted in such a society, and it's left to other family members who may struggle to cope with the additional load.
Your son needs help - he needs to find a way to earn a living or financial support of some kind, and a place to stay. I sympathise with you all and I hope that you will find the support you need.