ok here’s the story:
my friend had money taken out of his checking account while he had his card with him , twice !
when talking to the bank they can’t do anything since there is no proof (video, etc)
so they won’t give him the money back and
now they are making him file a police report
and he has to somehow prove it so he can get it back.
but he had his card with him, so does anyone have any ideas on how to settlethis problem?
thanks!
Chief’s Domain - http://www.seas.ucla.edu/~ravi
Tenacity. File the report, jump through their hoops. Continue to insist on the truth. Why isn’t there any video? I thought almost all ATMs had video cameras nowadays.
Yes, some do. Ask the bank about the cameras and they are kind of quiet on it. File the report to get the bank to fess up with the video.
Well, I’d tell your friend to get his password changed immediately!!! It’s as easy as calling the bank.
. . . and then, depending on how much money was at stake, call his insurance company.
-Melin
Just curious, did both transactions occur at the same ATM or different ones? (This information is recorded along with date and time on ATM transactions.)
Anywho, if there’s no video record, that would seem to point to someone intentionally hacking your account. Some detective work may be in order. Also, take PunditLisa’s advice and change your password. If the problem continues after that, it might be an inside job; someone with access to password information.
Something else to consider, if there is concern about this sort of thing continuing, your friend could take some time when he could pull out his ATM card to show that he has it with him. This would solidify his alibi.
Or if he’s not that paranoid or obsessive, he could just move his account to a new bank.
Oh yeah, file the report. Even if no investigation comes of it, at least it will be on record if the problem rises again with someone else. One instance may not attract a lot of attention from the law enforcement community, but if several people report a problem, they’ll check it out. Chances are, if someont is intentionally doing this, your friend isn’t the only victim.
Um, this might be oversimplifying things, but is it possible that someone might have stolen some checks and cashed them?
Also, in my experience, every transaction that posts against some record has at least a date, and most have a timestamp.
Even those that don’t have timestamps leave trails that any competent IS person can follow.
Having said that, though, that’s something that a CSR or branch manager might not know, and telling you to file a police report is probably just more expedient to them.
No no no no, don’t listen to these morons. Police reports won’t do anything to help you, and bitching out the teller isn’t any much better. What you have to do is talk to the bank in the secret language of banklish to get your money back.
here’s what you do…
Go up to a teller and say the secret password…
“Kamikaze backbone, Nine Iron Spitfire
Continental Samurai, Oh my Lord
Brown Sugar, Sweet Potato Sourmash
baby back redneck romance”
“People must think it must be fun to be a super genuis,
But they don’t realize how hard it is
to put up with all the idiots in the world.”
– Calvin and Hobbes
(__)
/
I read some obscure E-Law a few years back. You could take out $200 from your ATM account & the next day, go to the bank & ask them to give you the $200.00
no they werent checks since the records showed atm withdrawl
after he cancelled the card, someone tried again too but it was denied
Chief’s Domain - http://www.seas.ucla.edu/~ravi
There is also the possibility that when your friend honestly thought he had the card on him, he might not have, and it was returned later. I had this happen to me, I fought with my bank over several $50 ATM withdrawls on different days that I knew I nor my wife made. After filling out reports and blah blah (no picture or video of course) Eventually my brother-in-law confessed to swiping my card when I was asleep. He knew my pin# because once we pulled up to a drive-thru ATM and I just handed him my card and asked him to get me some cash. I didn’t think anything of it, he is family and who else are you going to trust if not family? Little did I know…
“Wow! Spider-Man! Are you really friends with the X-men?”
"Not since Cyclops tried to use my viewmaster."
(Marvel Team Up #1)
It is too clear, and so it is hard to see.
By filing a police report you can also file an income loss on your taxes if you are in the US. That way if you don’t get it back, at least you can claim the loss.
I really try to be good but it just isn’t in my nature!
As for video cameras, most ATM’s do have them. But presumedly a thief would have identified the few that do not and would use those.
Was your friend’s card just a standard ATM card, or was it one of those debit/ATM cards with a Visa or Mastercard logo on it? If it was a debit card and he has used it in a store where they used carbon slips, it is possible that someone got a hold of one of the carbons and made a duplicate card. It’s also possible that someone he knows swiped the card during those times.
Shadowfox
“We are what we pretend to be.”
Could someone explain this to me? I read through it several times but have no clue what it means.
–
Teeming Millions: http://fathom.org/teemingmillions
“Meat flaps, yellow!” - DrainBead, naked co-ed Twister chat
O p a l C a t
www.opalcat.com
By Simon Travaglia:
This is not the first time this sort of thing has happened. I can
document at least three seperate occasions where money has gone from
my cheque account without my knowledge.
The most insidious of these was:
I went to the pub with some mates on a friday night, and on Saturday morning,
my ATM account had been totally emptied out. I looked at the receipts and
there were two transactions of 10 dollars which I remember vividly. The
next 4 transactions, All, as it happens from the very same pub on the
same night, I have no recollection of.
All this would pale into insignificance were it not for the fact that the
very same night someone gained access to my bedroom, broke open my money
box and removed the contents. If that wasn’t enough, they were also
violently ill all down our our hallway, and all over the clothes I was
wearing that night. Needless to say, I contacted the bank about this.
I suspect that some form of coverup is in process.
Hey! That guy came to my place, too!