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JoshHamilton
Well-known member
- Aug 7, 2008
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I've been using my girlfriend's Paypal account because frankly, I despise Paypal and refuse to use them or give them any of my personal information ever again. **** those bastards
Two weeks ago I gave her $50 to deposit so I can transfer it to Paypal. Her balance was something like $5 at the time and she hadn't used her debit card for awhile. After I transfer the money in to Paypal, I buy and sell several things, always drawing the money from PP and never touching her bank account. Fast forward to last monday, I give her $155 to deposit so I can pay for the Teagarden Super. I assumed there was still $5 in the account, and I was using $153 of it so that wouldn't overdraft her account.
That's where the fun started. Apparently, in between my $50 and $155 deposits, a $21 charge hit her account, overdrawing it. Her balance when she deposited the $155 was -$16 and change, so her balance actually read $138. Of course, the ******* teller didn't let her know her acct was overdrawn when she deposited the money, so she still assumed she had $5 in there. After I paid for the Teagarden, it overdrafted her account AGAIN. When she went to deposit her paycheck Friday, her account balance read Available -$50 (includes the $35 overdraft fee), Total -$200.84. She had to deposit $201 just to be able to cash the rest of her check.
Of course, she called me bitching that it was my fault because I was using Paypal. No, it wasn't, as long as she didn't use her debit card without my knowledge. We went in there today (I had to go in there with her because I know everything about banking and she knows nothing) to figure out what the hell the deal was. Here's a bit of a timeline:
She had $5 in her account when I deposited and withdrew the $50, as I expected. What I didn't expect to see was an unknown $21 charge (the charge that overdrafted her account and started this mess). I asked her if she bought anything, which she hadn't. So I asked the bank manager dude what the charge was for. It took him a good 15 minutes to figure out the company that drew the $ from her account. They hid their identity well and it seems didn't want people finding out who they were. She always signs up for those "$1500 interest free loan!" spam emails. I tell her not to do it, she does it anyway thinking they'll actually give her cash. She's dumb like that. This was one of those companies who send endless junk email. I spent 45 minutes surfing their website trying to find some small print stating they have a legal right to draft money from your account for whatever BS service they're offering. I couldn't find anything. What they're doing is straight up theft. So that overdrew the account, causing me to overdraft the account again when I gave her the $155. That's why her balance was -$50. The guy working at the bank was nice enough to erase the charge and prevent the company from making any more charges to her account (He didn't take off the overdraft fee which was set off by the fraudulent charge, but whatever). We were about to walk out the door when I stopped and asked him why there was a $150 discrepancy between the available and total balances. He checked her account again and there was a $149.95 charge for some fraud garbage. We googled the company and it was a clear scam. They ask you to sign up for something, then steal $150 from you in exchange for a fake credit card with a $5k limit.
Really long story short, they sent the charge to their fraud department and the charge will probably get reversed in a few days. I hate banks, but I was really impressed with their (Capital One) willingness to work with us and get this fixed.
There are four things in this world that make me want to commit homicide: child molesters, murderers, liberals, and internet scammers. The BBB doesn't do **** about them, they don't care. The only people who seem to give a **** are consumer rights groups who keep tabs on these scammers and create websites to warn people. Neither of those fix the problem. The company that stole $150 from her is located in Uniontown, PA. Now, if I lived in Uniontown, I'd pay them a visit with a few of my friends. Namely Desert Eagle, Glock, and Bushmaster AR-15. I'd probably blow their business up. And I wouldn't feel guilt, because you reap what you sow. I'll also try to find out if they have a website tonight and see if I can hack it or **** with it somehow
How do we stop this from happening again? She doesn't even remember everything she signed up for. But if two companies have her account number, nothing will stop them from selling them to other scammers. This probably won't stop, even after her bank starts refusing them to take money from her account. Would closing her account and opening a new one help?
Two weeks ago I gave her $50 to deposit so I can transfer it to Paypal. Her balance was something like $5 at the time and she hadn't used her debit card for awhile. After I transfer the money in to Paypal, I buy and sell several things, always drawing the money from PP and never touching her bank account. Fast forward to last monday, I give her $155 to deposit so I can pay for the Teagarden Super. I assumed there was still $5 in the account, and I was using $153 of it so that wouldn't overdraft her account.
That's where the fun started. Apparently, in between my $50 and $155 deposits, a $21 charge hit her account, overdrawing it. Her balance when she deposited the $155 was -$16 and change, so her balance actually read $138. Of course, the ******* teller didn't let her know her acct was overdrawn when she deposited the money, so she still assumed she had $5 in there. After I paid for the Teagarden, it overdrafted her account AGAIN. When she went to deposit her paycheck Friday, her account balance read Available -$50 (includes the $35 overdraft fee), Total -$200.84. She had to deposit $201 just to be able to cash the rest of her check.
Of course, she called me bitching that it was my fault because I was using Paypal. No, it wasn't, as long as she didn't use her debit card without my knowledge. We went in there today (I had to go in there with her because I know everything about banking and she knows nothing) to figure out what the hell the deal was. Here's a bit of a timeline:
She had $5 in her account when I deposited and withdrew the $50, as I expected. What I didn't expect to see was an unknown $21 charge (the charge that overdrafted her account and started this mess). I asked her if she bought anything, which she hadn't. So I asked the bank manager dude what the charge was for. It took him a good 15 minutes to figure out the company that drew the $ from her account. They hid their identity well and it seems didn't want people finding out who they were. She always signs up for those "$1500 interest free loan!" spam emails. I tell her not to do it, she does it anyway thinking they'll actually give her cash. She's dumb like that. This was one of those companies who send endless junk email. I spent 45 minutes surfing their website trying to find some small print stating they have a legal right to draft money from your account for whatever BS service they're offering. I couldn't find anything. What they're doing is straight up theft. So that overdrew the account, causing me to overdraft the account again when I gave her the $155. That's why her balance was -$50. The guy working at the bank was nice enough to erase the charge and prevent the company from making any more charges to her account (He didn't take off the overdraft fee which was set off by the fraudulent charge, but whatever). We were about to walk out the door when I stopped and asked him why there was a $150 discrepancy between the available and total balances. He checked her account again and there was a $149.95 charge for some fraud garbage. We googled the company and it was a clear scam. They ask you to sign up for something, then steal $150 from you in exchange for a fake credit card with a $5k limit.
Really long story short, they sent the charge to their fraud department and the charge will probably get reversed in a few days. I hate banks, but I was really impressed with their (Capital One) willingness to work with us and get this fixed.
There are four things in this world that make me want to commit homicide: child molesters, murderers, liberals, and internet scammers. The BBB doesn't do **** about them, they don't care. The only people who seem to give a **** are consumer rights groups who keep tabs on these scammers and create websites to warn people. Neither of those fix the problem. The company that stole $150 from her is located in Uniontown, PA. Now, if I lived in Uniontown, I'd pay them a visit with a few of my friends. Namely Desert Eagle, Glock, and Bushmaster AR-15. I'd probably blow their business up. And I wouldn't feel guilt, because you reap what you sow. I'll also try to find out if they have a website tonight and see if I can hack it or **** with it somehow
How do we stop this from happening again? She doesn't even remember everything she signed up for. But if two companies have her account number, nothing will stop them from selling them to other scammers. This probably won't stop, even after her bank starts refusing them to take money from her account. Would closing her account and opening a new one help?
