Hello,
Please remove if I am violating rules.
I recently received 3 letters in the mail from Bank of America stating that they were going to be closing ( person on the phone called it BLOCKING) my 3 credit cards. The card stated that I had repeatedly attempted to make payments that were returned for insufficient funds.
I just made payments to all three accounts three days ago, but I had not checked my statements electronically. I just made the payments without looking at previous transactions online, and the balance reflected looked right on all three cards.
Here is what I found out after doing digging.
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One of my cards had two "ATM Payments" made to the account. one payment on 3/15 for the sum of $380.00 and the next on 3/23 for the sum of $800 dollars. I did not make these payments at an ATM. BofA was also charging me 27.00 for the returned payment.
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The other two cards did not reflect any suspicious activity; however, BofA still closed those accounts as well.
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My Fiance and mylself are both on the account for the credit card that had the suspicious payments. We used the credit card after the insufficient payments on 3/27 for the sum of $90 at a restaurant and the transaction when through. I also immediately made a $90 dollar payment on the card after swiping it because I wanted to get points for the transaction and pay the dinner bill off.
When I recieved the letters in the mail, I franticly started looking for my credit card, and I realized I did not have it in my possession, and the card we swiped for dinner the last time we used it was my fiances' copy of the card.
I assume I lost my card, it was found, and somebody attempted to use it at an ATM; HOWEVER, the attempted to make a payment on the card of rht sum of $380 and $800.
Why would anyone find a card and attempt to make a payment on the balance of the card? They didn't attempt to buy something with my card, they attempted to make a payment to lower the balance of my card. Is there a scam I am missing?
I am confused by this. I am calling BofA tomorrow after speaking to two reps who stated I would have to call an Existing credit line that Is not open at the moment. I believe that BofA probably attempted to call my phone to alert me; however, i was not answering odd numbers because I signed up for information on a couple of sites inquiring about MBA programs at some schools, and they have been calling me non-stop since.
TLDR: Somebody found my credit card and attempted to make to ATM payments on the balance of my card. BofA shut down all my credit cards as a result.
EDIT: My checking accounts has the funds to cover the $380 payment and $800, so I have no idea where they were attempting to pull funds from.
Submitted April 04, 2017 at 11:25PM by Stancliff http://ift.tt/2o7G1Dq
