Hi /r/PF -
Never posted here before, but I have a situation that I could use some advice on.
Last Thursday, I noticed $900 withdrawn from my bank account that I did not authorize. I immediately called in to the fraud department and started a claim. They opened a new account for me, and transferred the remaining balance of the account (after the fraud) to the new account.
Since then, there have been multiple other instances of fraud appearing on the original bank account. It turns out that someone went into the bank with a copied debit card, my pin, and presumably a fake ID. They withdrew money, and they cashed checks against the account - those checks later bounced.
Today, I found new activity on the NEW bank account (which I don't even have a debit card for yet), and in my savings account (which I rarely use). Both of them are now negative ~$2000 each. In total, all of my accounts are now about negative $6,000. Of that, a portion was my money, and a portion was the bank going negative.
I'm looking for advice on what to do now. The bank is not offering me a provisional credit for these charges because these transactions were apparently done with a teller in the bank, which is, for some reason, not something that they give a credit for. I have a credit card that I can use to tide myself over until I get paid again.
I have created a new bank account at a new institution (Ally) and set my direct deposit from work to go into that one.
I want to know how to limit my liability, and whether anyone here has had experience in something like this. I simply cannot be on the hook for all of these transactions, and I'm hoping that someone who has seen something like this can give me an idea of how this will all end. I did not lose my card, and I have no idea how someone got all of my information. I have changed all of my banking passwords from a new computer.
The bank says that they will take up to 60 business days to do their investigation. It's Bank of America, for context.
Thanks for your time!
Edit: I have reported all instances of fraud separately to the bank, including the new ones. I have also filed a police report.
Edit episode II: I also just placed a fraud watch on my credit with Transunion that will last for 1 year. Nobody specifically suggested this, but the automoderator post made me think of this as a potential instance of identity theft, which I had not considered before.
Submitted December 05, 2018 at 10:03PM by Sabelas https://ift.tt/2G0LxC5
