Off to the bank...

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  #1  
Old 04-02-03, 06:35 AM
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Off to the bank...

I'm getting ready to head to the bank. I think I've been hit with fraudulant use of my debit card. This is a new one for me.

Until I find out the specifics of the charge I won't know what to think. The not knowing is bothering me. This is the company that it is paid to: Ifund-Intersafe.

When I research that name(s) I gather that it is a credit card processing firm for online businesses. However, a google search will produce a listing of MANY online casinos. It also appears that the minimum 'security' deposit for most is $150, and $50-60 is what you actually get to play with (=$200+) charged to your account before you can begin to play with ($50-60 start off).

Any ideas guys? Am hoping to recoup some of the loss, prefer all of it.

I am hoping and praying that it isn't the person I've let hang on to my card number for emergencies. They've never abused it before, however....we know how people can turn quickly during crisis and not think about what they're doing.

Kay
 
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  #2  
Old 04-02-03, 06:49 AM
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kay,
this is similar to what happened to WW and myself around 2 years ago. our card was used to register 3 websites in our last name with a fictitious first name. $450 later she noticed this charge on our statement i believe it was register.com. my credit union called the site and after some arm twisting they refunded all my $$. we are not sure wether the # was filched off of her work puter, or if it was intercepted during some form of e-commerce. we have since stopped ordering online, and only browse and get item #'s online, and then call the co.s 800 #(most legit biz's have them) to place the order. knock wood, this hasn't happened again, and hopefully never will.
if i were you i would change that # and not give the new one to anyone, and dont mention to the bank that you gave the # to someone for emergencies. i would tell them(the bank) that it was an unauthorized use and i dont think you will be held responsible. Good Luck!!

Frank
 
  #3  
Old 04-02-03, 08:09 AM
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I just got back from the bank, and they are handling it for me. The company that handled the charges verified that it was for online gaming and are currently researching it. They have contacted me once since I left the bank, and also the manager at the bank helping me with this. I didn't mention anything about someone else having the number.

The company that issued the charges did request that I send a brief explanation by email to them. My guess, they are verifying IP addresses at this point. That's fine.

We had to keep the card active only because if they credit my account with the funds it will have to go through that card's number. It is flagged for incoming monies only today. After this is resolved, we will cancel and cut up the card at the bank!

I also spoke to my neighbor about it and found that this had happened to him, too. Similar to your problem. Someone 'borrowed' $1200 and built a website LOL. The 'borrower' was overseas.

Kay
 
  #4  
Old 04-02-03, 08:28 AM
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good to see you are getting it taken care of. the website they registered had to do with some type of indonesian cookie or cake or some such. that led me to believe that it was an overseas type of transaction. three websites @ $150 each. pi$$e$ me off even today.

WW reminded me the only thing we didnt get reimbursed for was the check fees from the ones we bounced!!

Lesson Learned!
 
  #5  
Old 04-02-03, 11:01 AM
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**after some arm twisting they refunded all my $$**

Am hoping my bank will do the same if the company that handled the transaction doesn't refund my money. Am wondering what's happening. Its already 1:00 and I haven't heard anything LOL. Sitting on pins and needles. So frustrating!

Kay
 
  #6  
Old 04-02-03, 05:10 PM
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Please tell me your debit card is a 'fake' Visa card! Visa has instituted some protections for their Visa debit card in which the bank must return your money within 5 days if they can determine that you did not authorize the charge. Here is a website that discusses this very change in the Visa debit card policy:
http://clarkhoward.com/shownotes/2001/07/30.html
You might also want to check out privacyrights.org for additional information on protecting yourself against future fraud events. I do hope you get this resolved and your money is returned to you!
Sandie

p.s. Also read this about why you shouldn't use your debit card for pay-at-the-pump and hotels (in the bank judgement subtopic)
http://clarkhoward.com/shownotes/2003/04/02.html
 
  #7  
Old 04-02-03, 05:31 PM
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The bank is working hard to get the handlers to reimburse my money. After that the bank will handle it if they won't. Not sure what that means, but I worked in UP's investigative department and they are good to refund the fraudulant funds and then hit the person commiting the fraud pretty hard.

Since the issue wasn't resolved by closing, my account is on hold. Only monies in, none out. They are also waiving any charges incurred until this is resolved.

So far I am pleased with the way my bank is handling things, but tomorrow may be another day in more ways than one. We will see...

Kay

Ps. It is a debit card. An old one that has my old name on it. I hadn't had a chance to cancel it after receiving my new one with the correct name. I want to do that in person at the bank since it shows up poorly on your credit if it is considered lost or stolen. If mgt cancels the card, then it means the account was either closed cleanly, or the card replaced due to wear or name changes.

K.
 
  #8  
Old 04-03-03, 03:58 PM
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This is the email I received from Cassava.net:

Dear Kay,

I am Allen Joseph, a Security Supervisor at Cassava Enterprises Ltd.

Thank you very much for bringing this matter to my attention as I have checked our records and found that a REAL money Casino account was registered with your name and details. Also a credit card with your name was used to make a deposits of $200 to the Casino.

Kay, it is not plausible that anyone would use your card to deposit into our casino for the purpose of gambling and possibly gaining from this action as it is clearly stated on our website that all winnings must be paid to the holder of the card used in the casino. This therefore eliminates any possibility for anyone using another persons card to gain from any illegal activity.

You should also note that we have contacted the issuing bank and they have verified that all of the information submitted with the deposits as well as the registration matches exactly that which they currently have on file.

Keeping all the facts in mind, I cannot accept your claims regarding this matter. Meanwhile I have closed all your accounts and have blocked the credit cards from our system.

Regards,
Allen Joseph
Security Supervisor
Cassava Enterprises Ltd.
[email protected]


Okay, this is understandable on their part, however, it did not happen from this computer. I am planning to email him back with a few request. I would like a copy of the registration, any account information, (cards, plural?) credit card information, and accounts (plural again). Most people don't read the fine print on anything. I would also like to know the IP addresses used to register and also to play. Are these valid requests? Afterall, I should be able to receive this information since its 'my' account, correct?

Any ideas on how to approach this would be greatly appreciated.

Kay
 
  #9  
Old 04-03-03, 04:50 PM
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it is not plausible that anyone would use your card to deposit into our casino for the purpose of gambling and possibly gaining from this action as it is clearly stated on our website that all winnings must be paid to the holder of the card used in the casino. This therefore eliminates any possibility for anyone using another persons card to gain from any illegal activity.
The fact that something is unbelievable or impossible does not prohibit someone from doing it. This is an outrageous statement in the extreme. Surely made in order to make you feel that you are either stupid or lying. This person is arrogant and pompous.

Your request strikes me as most reasonable since this involves you financially and the casino has obviously taken all this seriously. I would just play along with him in a grateful manner to get what you want. It would feed his enormous ego. As a side note, I am sure that you are offended that your gambling account is closed.
 
  #10  
Old 04-03-03, 04:53 PM
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cas*sa*va ( P ) Pronunciation Key (k-säv)
n. In both senses also called manioc, yuca.
A shrubby tropical American plant (Manihot esculenta) widely grown for its large, tuberous, starchy roots.
The root of this plant, eaten as a staple food in the tropics only after leaching and drying to remove cyanide. Cassava starch is also the source of tapioca
 
  #11  
Old 04-03-03, 05:13 PM
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cyanide?

Kay
 
  #12  
Old 04-03-03, 06:04 PM
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OK - I'm a bit confused

Kay; I know a little bit about banking and they can't pay a credit or debit card with winnings; Theoretically, they could issue the card a refund or a return, but that would be an abuse of the Visa system, so one would think Visa International would not allow this as a trade practice. I assume that if there were to be winnings, it would go through the ACH or as a wire which has absolutely nothing to do with Visa; The routing of these monies would have to go directly into a bank account.

If I were you, I'd consider calling their bluff and inquire as to how any winnings were to be distributed and to which account number, because again, armed with only a Visa number they aren't tied to any particular account and chances are, they don't collect distribution info until a payment request is filed.

As for fraud on a Visa Check; I had been under the impression that you would be liable for the first $200 of any fraud (interesting number, huh?) and this figure was pretty widely distributed; $50 on most real Visa's and $200 on a Visa Check; But I had a hotelier charge me an extra $60 on a Visa Check relatively recently as an added-on, unsigned-for charge and to my surprise; The issuing bank took a report, investigated and withheld payment, so I never actually lost any money. Hopefully, you are dealing with a similar institution.

Keep Passing Open Windows;
R
 
  #13  
Old 04-03-03, 06:28 PM
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cyanide

Nobody said life can't be interesting.
 
  #14  
Old 04-03-03, 07:33 PM
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Okay, this is what I've figured out tonight.

The website address is www1.cassava.net or www.888.com

Apparently my debit card was used to open a real money account, and then the money transfers from it to the casino-on-net (whichever amount you choose from your real money account).

According to their cashout policy they can revert it back to your account, however...you have the option of transferring it to another account active with them or a cashiers check for payment.

How do I go about finding out how many accounts are registered to my address? Not really sure how to go about all this.

Am going to compose my reply toe email posted above. I am also going to head to the bank in the morning to see what help they can offer.

Kay

Ps. Yes, life does get interesting at times. Learning things this way isn't fun. I thought about studying criminal law, but looks like I'm getting a brief crash course now. Not quite the way I like to gain knowledge.

K.
 
  #15  
Old 04-03-03, 08:32 PM
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Angry Man o Man!

We've been hit again. Just showed up on my bank statement (online) tonight as a pending. These transactions are dated 4/1/03. One for $100, another for $75. Both within 8 minutes of each other and through a different online gambling deal.

Hopefully the bank will help us, especially now. I know that the card has to be cancelled now no matter what.

Crap.

Kay

I could just cry.
 
  #16  
Old 04-03-03, 10:38 PM
magister
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Well apparently, whomever stole your card number isn't very smart, a professional criminal or possibly the person you don't want to suspect because as I suggested in my prior post, they can only payout to a credit/debit card an amount up to the amount you used to initially open the account; So, they do it as a refund or return; The following paragraphs would be the key;

Credit Card/Debit Card Cash Outs: This Cash Out method will apply if you have Deposited to your Casino-on-Net Account by Credit Card(s)(Visa, Diners Club) and/or Debit Card(s) (Solo, Switch, Laser), up to your *Intersafe Global Deposit Balance. The Remaining Cash Out Balance, if any, will be forwarded to you by your choice of Wire Transfer or Bank Draft. You may also receive your Remaining Cash Out Balance by NETeller, if you have used NETeller to Deposit to your Casino-on-Net Account in the past.
....
*Intersafe Global Deposit Balance is composed of your total Credit Card (Visa, Diners Club) and/or Debit Card (Solo, Switch, Laser) Deposits made at any Internet Website or application through Intersafe Global, less previous Cash Outs and/or refunds
The info for Bank Draft is describing what most folks would call a Cashiers Check and it would have to be made out to you, according to the email you received and in order to get the wire transfer, the criminal would need your checking account number which isn't discernable from the bank card, by itself. So, either it is someone who theoretically could've gotten wind of your actual bank account number, or possibly someone who apparently didn't read enough to realize that they aren't going to get paid; Or, someone who is making-up a fake id in order to cash the bank draft...

So, I guess this wouldn't be the best time to tell you about the woman here in crimetown, who has never had a credit card and actually shreds any pre-approved applications she recieves; But was surprised one afternoon when a local jewelry store called her and said that a couple of guys had been in and tried to use her American Express card. She called amex and learned that no card had been issued in her name and when the police caught the fellows because after all, jewelry stores have video surveillance; They found out that a card had actually been manufactured with the lady's name, simply because she had it written on her nametag for work... And BTW: They never did find who actually had printed the card.

If you read between the lines of the fellow's FAQ, you'd find that payment can be only made to you and by one of the above methods and it can't simply be credited back to the card in excess of the amount which was originally charged; Obviously, they don't have a bank account number for you on file unless the person has already cashed-out and I suggest you throw that in his face and point out that you're apparently dealing with a dumb person.

And also, the cancellation number on the back of your card should be 24-hrs; I'd call it ASAP.

Peace Out;
R

PS) I did a whois on the address and in case you didn't know, they are apparently registered in Antigua and BTW: Until you have a reason to feel otherwise, I'd trust your bank and Visa to take care of you.
 

Last edited by magister; 04-03-03 at 11:07 PM.
  #17  
Old 04-04-03, 05:27 PM
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When I went to the bank this morning, there was a third charge for $300 that had already been rejected by the bank. Apparently, this person wasn't too smart LOL. Like Magister determined earlier it would have been best to have small deposits made then only the small deposit would return to my account and the extra could have been sent by cashier's check. Oh well...

The bank has control of it now. Signed all the papers and they are beginning the investigation tomorrow. They did double check with us about doing this since it could possibly come back on us and then would involve us getting prosecuted.

I have checked every nook and cranny of my computer for evidence that someone here had done it, and found none (thanks to all in computers who helped with that!). I also want to thank everyone here in helping me to research this and what my options could be.

The bank stopped the pending transaction of $100, reimbursed the $75 that showed up today, plus the $200 that they got at the end of last month.

When this is resolved the bank will reverse the NSF charges and overdrafts caused by this. The reimbursement today was also considered a provisional credit. The did say that I will be informed of what the outcome is, which is good because I would sincerely love to know what I've done that got me in this mess. I've also changed passwords and passnames (when I could) on every online account I have as well. You never know. If they could get the information they have, what else could they retrieve!

We also discussed with the manager that we thought it could possibly be a family member. We assured him that we would follow through in helping them with the prosecution if it came to that.

So, now I'm working on a cash basis only until I can make sure it wasn't a dumb mistake on my part instead of just a random attack on our account.

Oh, and YES, the card is not only cancelled, but cut into pieces thanks to the manager.

Thanks again for everyone's help, and especially for the support during this. Pretty traumatic for this Mississippi mom who just wants to raise her kids.

Kay
 
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Old 04-06-03, 08:02 PM
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Hey Kaybyrd... I hate to say this, but based on some of your prior posts, I can think of 2 people that you might really do some prying with first... One that you probably wouldn't mind prosecuting, and the other that you would probably want to beat half to death but would definitely NOT want to prosecute... I hope for your sake that this IS a random event... But I am afraid that is not the case...
 
  #19  
Old 04-07-03, 05:06 AM
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I agree. It bothers me more for that reason. I am hoping I'm wrong, though. My husband was there when I signed the papers, and agreed to what may be in store in the future. I think maybe he's had enough, too.

I noticed this morning that one of the pending charges against the account passed through this weekend. Will call up there and see what we can do about it. It was the one they rejected while I was sitting there in the bank. Such a bother. Nothing new today, just that old one that actually made it through this time. It showed that another charge for $300 had been rejected and am wondering if the account balance gets high enough will that one clear too? Just going to have to watch the account for awhile. Nothing new can go through, I hope, since the card is cancelled. It would seem that only charges placed on the card prior to cancellation could even have a chance to clear. I may be wrong since I thought they took care of this Friday while I was there.

Oh well, will handle these things as they come. I refuse to let this destroy my day, my week or my life.

Kay
 
  #20  
Old 04-08-03, 11:11 AM
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any word back on this from the bank????
 
  #21  
Old 04-08-03, 11:17 AM
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Nothing from the bank yet. I ended up going back yesterday since one of the charges we blocked, slipped through. The bank put the money back into my account for me.

I did receive an email from the casino. It did show my name and address, but the wrong telephone number. It also gave me the email address (suppose to be mine?). Not sure what to do with this information.

Kay
 
  #22  
Old 04-08-03, 11:20 AM
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id hold onto it, no need to confront this person w/ this now. hang back and let the big boys duke this one out.
 
  #23  
Old 04-08-03, 02:01 PM
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That would be the best thing to do. Its a free email deal so it could be anyone.

According to the email they are withholding some of the information that I requested until they finish their investigation. Before they weren't even going to talk to me so maybe the bank is already on it.

I'm just nervous that this could happen again. The bank did mention that paying Cricket phones online was a way that people use to steal credit card numbers. They've disabled that feature (online deal) now but you can still pay on the telephone. Makes me wonder...I have a Cricket telephone and do pay on the phone. I haven't had a Cricket in two months (have it now, and the same number) however I have been paying my sister-in-laws Cricket phone for her on the phone. That won't happen again.

Kay
 
  #24  
Old 04-08-03, 05:47 PM
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Um, I hate to feel so dumb, but what is a CRICKET phone?
 
  #25  
Old 04-08-03, 06:47 PM
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Not dumb, just not available everywhere. Its a cross between a cellphone and a landline phone. Its cellular, however, with unlimited minutes. It only works in the area you subscribe (in my case, the Memphis area). Pretty neat at times since its our house phone, and when the kids spend the weekend at mom's they take it with them so they tie up the Cricket phone instead of my mom's landline.

Pretty dumb on my part if this is how my debit card number was stolen. I will mail my payment in from now on.

Kay
 
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