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Post by The Walk of the Penguin Mich on Dec 5, 2017 12:38:38 GMT -5
Right before Thanksgiving, someone hacked my USAA credit card. One of the charges was to an Australian company called FIRST BASE, for about $207. However, the charge never made it to my credit card - not sure why, but my thought was that between the time difference, and how quickly the card got shut down, that the charge made it through but didn't hit my account as it was frozen. Moot point, because 3 days later I received 2 swimsuits (I'm guessing that the woman who stole my card didn't uncheck the box that said "shipping address same as credit card address". The only way I found out was when I contacted the company, she sent me a copy of their transmission - which included the last 4 digits of my closed card.
So anyway, after sitting on 2 swimsuits which don't fit and I'd never wear, the company asked me to send the swimsuits back to them and they'd reimburse the shipping charges. Shipping charge was $22.75 (I shipped it slow boat - 10-15 days), not as bad as I expected. I sent a copy of the tracking number and my receipt, and now they want my checking account info to do a direct deposit into my account. At this point, I'm inclined to just eat the charges. I'm really not comfortable sending them my account info. Would you?
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gs11rmb
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Post by gs11rmb on Dec 5, 2017 12:44:54 GMT -5
It's another country so it would be difficult to send a check. Could you ask them to use paypal?
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Works4me
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Post by Works4me on Dec 5, 2017 12:45:20 GMT -5
"No thank you. Please remit In USD ASAP."
if you want to explain a bit more, "Given my recent experiences, I am reluctant to release my personal financial information"
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busymom
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Post by busymom on Dec 5, 2017 12:49:47 GMT -5
No way would I send my account info.
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Post by The Walk of the Penguin Mich on Dec 5, 2017 12:50:59 GMT -5
It's another country so it would be difficult to send a check. Could you ask them to use paypal? I don't use paypal.
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dannylion
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Post by dannylion on Dec 5, 2017 13:10:48 GMT -5
It's another country so it would be difficult to send a check. Could you ask them to use paypal? I don't use paypal. I opened a Paypal account years ago to use for eBay when I thought of it as the Wild West of the internet. I have since found it to be very useful for transferring money in just these sorts of circumstances. Also for just basic on-line purchases. I have become a fan of Paypal.
I have a small savings account at a local bank linked to my Paypal account along with a credit card. If someone hacks my Paypal account, they can't do much damage.
You might want to consider opening a Paypal account. They don't charge a fee if you don't use it very often.
I can understand your reluctance to hand over your checking account number in this case. The company will likely send you a check if you explain why you prefer that.
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Tennesseer
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Post by Tennesseer on Dec 5, 2017 13:15:18 GMT -5
Right before Thanksgiving, someone hacked my USAA credit card. One of the charges was to an Australian company called FIRST BASE, for about $207. However, the charge never made it to my credit card - not sure why, but my thought was that between the time difference, and how quickly the card got shut down, that the charge made it through but didn't hit my account as it was frozen. Moot point, because 3 days later I received 2 swimsuits (I'm guessing that the woman who stole my card didn't uncheck the box that said "shipping address same as credit card address". The only way I found out was when I contacted the company, she sent me a copy of their transmission - which included the last 4 digits of my closed card. So anyway, after sitting on 2 swimsuits which don't fit and I'd never wear, the company asked me to send the swimsuits back to them and they'd reimburse the shipping charges. Shipping charge was $22.75 (I shipped it slow boat - 10-15 days), not as bad as I expected. I sent a copy of the tracking number and my receipt, and now they want my checking account info to do a direct deposit into my account. At this point, I'm inclined to just eat the charges. I'm really not comfortable sending them my account info. Would you? Can you open a new checking account on-line with your bank? Open it, give the retailer the information they need and let them transfer the money. Once you receive the transferred money, move the money to your regular checking/savings account and close the second checking account.
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Post by The Walk of the Penguin Mich on Dec 5, 2017 13:19:02 GMT -5
Right before Thanksgiving, someone hacked my USAA credit card. One of the charges was to an Australian company called FIRST BASE, for about $207. However, the charge never made it to my credit card - not sure why, but my thought was that between the time difference, and how quickly the card got shut down, that the charge made it through but didn't hit my account as it was frozen. Moot point, because 3 days later I received 2 swimsuits (I'm guessing that the woman who stole my card didn't uncheck the box that said "shipping address same as credit card address". The only way I found out was when I contacted the company, she sent me a copy of their transmission - which included the last 4 digits of my closed card. So anyway, after sitting on 2 swimsuits which don't fit and I'd never wear, the company asked me to send the swimsuits back to them and they'd reimburse the shipping charges. Shipping charge was $22.75 (I shipped it slow boat - 10-15 days), not as bad as I expected. I sent a copy of the tracking number and my receipt, and now they want my checking account info to do a direct deposit into my account. At this point, I'm inclined to just eat the charges. I'm really not comfortable sending them my account info. Would you? Can you open a new checking account on-line with your bank? Open it, give the retailer the information they need and let them transfer the money. Once you receive the transferred money, move the money to your regular checking/savings account and close the second checking account. Interesting idea.....I need to think about this. Thanks.
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Tennesseer
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Post by Tennesseer on Dec 5, 2017 13:20:14 GMT -5
Can you open a new checking account on-line with your bank? Open it, give the retailer the information they need and let them transfer the money. Once you receive the transferred money, move the money to your regular checking/savings account and close the second checking account. Interesting idea.....I need to think about this. Thanks. I know when I opened a second temporary checking account with BOA, there was no charge for opening or closing it.
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Post by The Walk of the Penguin Mich on Dec 5, 2017 13:23:46 GMT -5
There probably isn't a charge for USAA either. I'm just trying to decide if I want to go through the hassle for $22.
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Tennesseer
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Post by Tennesseer on Dec 5, 2017 13:46:36 GMT -5
There probably isn't a charge for USAA either. I'm just trying to decide if I want to go through the hassle for $22. Wish them a Merry Christmas and write it off.
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swamp
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Post by swamp on Dec 5, 2017 13:49:45 GMT -5
There probably isn't a charge for USAA either. I'm just trying to decide if I want to go through the hassle for $22. Wish them a Merry Christmas and write it off. I'd ask them if they could donate it to their local food bank or women's shelter.
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whoami
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Post by whoami on Dec 5, 2017 13:52:56 GMT -5
Next time, tell them to email you a prepaid label from UPS or FedEx. They want it back bad enough they can pay for it.
I would never ever use my own funds in a situation like this.
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tallguy
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Post by tallguy on Dec 5, 2017 13:53:46 GMT -5
Right before Thanksgiving, someone hacked my USAA credit card. One of the charges was to an Australian company called FIRST BASE, for about $207. However, the charge never made it to my credit card - not sure why, but my thought was that between the time difference, and how quickly the card got shut down, that the charge made it through but didn't hit my account as it was frozen. Moot point, because 3 days later I received 2 swimsuits (I'm guessing that the woman who stole my card didn't uncheck the box that said "shipping address same as credit card address". The only way I found out was when I contacted the company, she sent me a copy of their transmission - which included the last 4 digits of my closed card. So anyway, after sitting on 2 swimsuits which don't fit and I'd never wear, the company asked me to send the swimsuits back to them and they'd reimburse the shipping charges. Shipping charge was $22.75 (I shipped it slow boat - 10-15 days), not as bad as I expected. I sent a copy of the tracking number and my receipt, and now they want my checking account info to do a direct deposit into my account. At this point, I'm inclined to just eat the charges. I'm really not comfortable sending them my account info. Would you? No, I wouldn't send them account info. Ask if they can send a prepaid shipping label. If they use anyone like UPS or FedEx it should be no problem. Driver shows up at your door with a label, puts it on your box, and they're gone. Edit: Oh, it's already gone. Never mind. But for anyone else....
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Tennesseer
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Post by Tennesseer on Dec 5, 2017 13:55:48 GMT -5
Wish them a Merry Christmas and write it off. I'd ask them if they could donate it to their local food bank or women's shelter. A 100% better idea than mine.
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Post by The Walk of the Penguin Mich on Dec 5, 2017 13:59:28 GMT -5
I'd ask them if they could donate it to their local food bank or women's shelter. A 100% better idea than mine. I like this idea too.....thanks. ETA: Done. Thanks for the idea.
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Opti
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Post by Opti on Dec 5, 2017 14:35:03 GMT -5
Next time, tell them to email you a prepaid label from UPS or FedEx. They want it back bad enough they can pay for it. I would never ever use my own funds in a situation like this. They also could mail you a paper check even though it would take some time to get to you.
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Bonny
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Post by Bonny on Dec 5, 2017 14:38:41 GMT -5
Right before Thanksgiving, someone hacked my USAA credit card. One of the charges was to an Australian company called FIRST BASE, for about $207. However, the charge never made it to my credit card - not sure why, but my thought was that between the time difference, and how quickly the card got shut down, that the charge made it through but didn't hit my account as it was frozen. Moot point, because 3 days later I received 2 swimsuits (I'm guessing that the woman who stole my card didn't uncheck the box that said "shipping address same as credit card address". The only way I found out was when I contacted the company, she sent me a copy of their transmission - which included the last 4 digits of my closed card. So anyway, after sitting on 2 swimsuits which don't fit and I'd never wear, the company asked me to send the swimsuits back to them and they'd reimburse the shipping charges. Shipping charge was $22.75 (I shipped it slow boat - 10-15 days), not as bad as I expected. I sent a copy of the tracking number and my receipt, and now they want my checking account info to do a direct deposit into my account. At this point, I'm inclined to just eat the charges. I'm really not comfortable sending them my account info. Would you? Can you open a new checking account on-line with your bank? Open it, give the retailer the information they need and let them transfer the money. Once you receive the transferred money, move the money to your regular checking/savings account and close the second checking account. I really liked this idea and probably would have done it myself.
For future reference many, many people overseas make bank to bank transfers partly due to the fact that their credit cards actually function more like debt card, e.g. the money is immediately deducted from their accounts and there's no "float".
It was a very weird thing for us to get used to while we were living in Germany, all these companies that wanted our routing and account numbers. Never had a problem during the three years we lived there. And if you think about it, every time you write a check you're giving a vendor your routing and account #s. Just a different way of doing business.
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Bonny
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Post by Bonny on Dec 5, 2017 14:39:59 GMT -5
Next time, tell them to email you a prepaid label from UPS or FedEx. They want it back bad enough they can pay for it. I would never ever use my own funds in a situation like this. They also could mail you a paper check even though it would take some time to get to you. Not to mention the processing fee the banks will charge for clearing a check from a foreign bank. No thanks!
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Tennesseer
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Post by Tennesseer on Dec 5, 2017 15:55:50 GMT -5
A 100% better idea than mine. I like this idea too.....thanks. ETA: Done. Thanks for the idea. Thank you, Swamp!
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Rob Base 2.0
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Post by Rob Base 2.0 on Dec 5, 2017 21:01:47 GMT -5
I guess I don't understand the big deal about giving out checking account info or direct deposit info? The worst thing someone can do with that is add money to the account, no? What am I missing?
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Post by The Walk of the Penguin Mich on Dec 5, 2017 21:17:18 GMT -5
I guess I don't understand the big deal about giving out checking account info or direct deposit info? The worst thing someone can do with that is add money to the account, no? What am I missing? Or remove it.
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Rob Base 2.0
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Post by Rob Base 2.0 on Dec 5, 2017 21:18:15 GMT -5
How can they remove it? Unless they have your ID or something? How?
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Deleted
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Post by Deleted on Dec 5, 2017 21:20:25 GMT -5
They use your account and routing numbers...
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Deleted
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Post by Deleted on Dec 5, 2017 21:34:02 GMT -5
No good deed goes unpunished. I'd go with the opening a Paypal account suggestion. You don't have to link it to your bank. Link it to a CC, which has its own set of protections. Then buy something using Paypal.
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alabamagal
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Post by alabamagal on Dec 5, 2017 21:56:12 GMT -5
They use your account and routing numbers... Well the thing is many people have access to your account number and routing number. Anyone you hand a check to has that info. DH used to have a business and I would help with bookkeeping. At the end of the day I would get a stack of cash, checks and credit card receipts. Credit card receipts only had last 4 digits, but I could easily have made a copy of checks - DH conveniently owned a copy business. So just think about everyone who you give a check to, and they could do that. I had my checking info stolen and I am pretty sure it was a bank employee. An e-check was written and cashed and I actually had possession of the blank check.
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Deleted
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Post by Deleted on Dec 5, 2017 22:22:24 GMT -5
I understand. I was just answering the question.
Generally, an overseas debit might get flagged, but since this one already made a deposit, my understanding is it would be less likely to be flagged?
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Post by The Walk of the Penguin Mich on Dec 5, 2017 22:27:44 GMT -5
How can they remove it? Unless they have your ID or something? How? The same way a gym membership can automatically debit from your account. You provide the same info. The point is, I am emailing a corporate account where at least 3 CSRs have been dealing with this issue. I have already had an unauthorized debit against my savings account, and my credit card hacked. I'm not about to put my banking account into into an email for $22. The hassle of the small likelihood of something happening is too great for that amount of money. Had it been a larger amount, I would have done what Tennessee suggested and opened up a second account with little money in it.
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schildi
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Post by schildi on Dec 7, 2017 12:40:19 GMT -5
Next time, tell them to email you a prepaid label from UPS or FedEx. They want it back bad enough they can pay for it. I would never ever use my own funds in a situation like this. That was my first thought as well. If you think about it, this was never really your problem until you made it that. At this point, I would forget about it and write off the $22. It's a low enough amount that I wouldn't worry about it.
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Post by The Walk of the Penguin Mich on Dec 7, 2017 16:06:53 GMT -5
Next time, tell them to email you a prepaid label from UPS or FedEx. They want it back bad enough they can pay for it. I would never ever use my own funds in a situation like this. That was my first thought as well. If you think about it, this was never really your problem until you made it that.At this point, I would forget about it and write off the $22. It's a low enough amount that I wouldn't worry about it. Actually, yes.....it was my problem. I had received something that I had not ordered and my hacked card had no record of it and neither did any of my other cards. I needed to contact the company to find out exactly how it was ordered, because I had no idea as to whether or not there was another card floating around there in my name that someone had 'acquired'. Add to this that both TD and I have been stalked for the last 5 years. While it has been just short of a year since we've had to deal with anything (this person was really, REALLY good about sending us stuff that we didn't order), it definitely was a possibility. Also, the customer service of this company was phenomenal, as they sent me screen shots of all their transmissions for this order and I was able to track down What actually happened. Why should they have to eat over $200 in product when they were scammed, just like me? Quite frankly, I think that "it's not my problem" is the reason why so much of this stuff happens. The credit card eats the cost, and so do the individual companies and we ALL pay. Shit like this is EVERYONE'S problem.
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