Someone drained my one and only bank account

[Skidog]

clarification #2 - pending withdrawal is for exact amount that was in the account

i for sure cant withdraw my entire balance via CC, unless for some reason it goes lower than my daily limits. I think i can do like $3K a day in debit purchases, and I think $500 or $1K daily cash out. maybe change those limits on the debit? It does sound like a transfer to me. Maybe they got your online banking pw?

[KQ]

he mentions twice it was the exact amount, so that's not a purchase with a debit card. Still doesn't explain how the bank does not know what kind of transaction it is. Debit, wire, transfer, what?

Yup caught that now. Thanks. I guess I was thinking about my experience where they used my debit online to make a purchase for more than the account contained.

If they had the pin they could have checked the balance at an ATM, yes?

[Bobcat Sig]

OP, after you get this sorted; find a new bank. While it's a major PITA, it's alarming that they can't determine in what capacity your money was withdrawn.

[muted]

If they had the pin they could have checked the balance at an ATM, yes?

Good point. And if eastorbust had a low amount to withdraw, it would be all gone. My ATM withdrawn max is $500 a day with Chase. So it's hard to do a big withdrawl with a debit card.

[muted]

If they had the pin they could have checked the balance at an ATM, yes?

Good point. And if eastorbust had a low amount to withdraw, it would be all gone. My ATM withdrawn max is $500 a day with Chase. So it's hard to do a big withdrawl with a debit card.

[billyk]

This happened to me a few years ago. One morning I noticed my balance was next to zero. There were a bunch of charges from a bunch of convenience stores in Pennsylvania all the same chain over a period of a few hours. Maybe they were able to steal my password or maybe not, I never found out. I don’t know anyone from PA, and haven’t travelled there recently.

The bank told me to file a police report, which I did. Then they went about reversing the charges, which took about a week. Faster than I expected.

[Caucasian Asian]

Someone got into your bank, either online or in person. There’s no way they could withdraw the EXACT amount you had in your account without seeing your balance.
I’d start changing your passwords Kanye.


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[Bobby Stainless]

Don't play any games on social media that ask random questions about you. That's all Ive got.

Have lots of cash.

[Dantheman]

Someone got into your bank, either online or in person. There’s no way they could withdraw the EXACT amount you had in your account without seeing your balance.

This seems likely. Also, use two-factor authentication if your bank/CU website offers it.

[skaredshtles]

This seems likely. Also, use two-factor authentication if your bank/CU website offers it.

And expand this advice to EVERY website you use that has multi-factor auth available.

And if your bank/CU doesn't offer it... request that they get their shit together NOW and make it happen.

[exsparky]

When it comes to bank fraud, why not defer to the master of bank fraud. I give you Frank Abignale Jr.

https://www.youtube.com/watch?v=vsMydMDi3rI


Cut to about 40 minutes in. He loves the protection of credit cards over debit.

The whole thing is pretty good if you have an hour.