I am enrolled in online banking with my credit union and I usually check my account every morning and every night. One Wednesday afternoon I tried to use my debit card at a store and it kept declining. I know I had just deposited $25 into the account only hours before, which gave me a balance of $66. I thought it was just something wrong with the company's credit card machine, so I just paid cash for my items. I didn't think twice about it.
Well for some unknown reason I didn't check my account until that Friday about 5:00pm. I then noticed that I had 2 NSF charges for $30 each, and then I saw where 2 of my checks had been returned. One was for $25 for gas, and one was for $35 my child's daycare. I studied the account carefully and saw a paper draft for $60. I knew I hadn't written a check for that amount. I can usually pull up a copy of my paper darfts on the internet and I couldn't pull up this one. I had to wait until Monday when the bank opened to get to the bottom of it.
I called the bank first thing Monday and stated I suspected unauthorized activity on my account and needed to speak to someone in bookkeeping. I spoke to a lady named Mary and she said the had been a debit to the company Bluestar Direct. I said who, and told her that I had not authorized anything for that amount to that company. She gave me a phone number and said to call them, and call her back. I called but I had to wait until 11:00 central time to call back.
I called for many times and was placed on continuous hold by an automated machine. I called Mary back, and went to the credit union. She showed me a copy of the paper draft and I told her I didn't authorize it. It had a fake check number which some companies make up when u pay check by phone or over the internet. I filled out all these papers and the credit union credited the $60 back to my acoount. They gave me a letter to take to the daycare saying my account was in good standing and there was unauthorized debits.
I had my mom call and after being on hold for a hour she finally got to speak to someone. The lady told my mom I had applied for a credit card through their website, and I told my mom I had never been on their website, and I was never able to pull up a website.
After my mom talked to her, nearly cursing her out, she said they would mail me a check for $60 in 10 - 14 days. They said they couldn't debit the account because they had to return the money the same was it was sent, since it was just like me writing a paper check. My mom told her if the check wasn't legit the we would seek legal action against them. It has been 17 days and I havent gotten a check. Even if they dont it's fine since the bank refunded me the money.