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unauthorized withdrawal from my checking account

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What do i do when a debt collector takes money from my checking account without authorization?




kashzan
Posts: 5401
Credits: 40830.4

Sub: #1 How did they get your checking account information?
Tue, 02/12/2008 - 13:18

How did they get your checking account information?




Frogpatch


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Credits: 65249.205519088

Sub: #2 After anwering the question before me, file a complaint with you
Tue, 02/12/2008 - 13:22

After anwering the question before me, file a complaint with your bank and close your checking accout or they wii just come back and hit it again. Many collection agencies will act like the original creditor and make a deal with you to take reular monthly electronic check payments. Then they go in at unscheduled times and take what they want. A collector for AMEX did this to me once. I thought I was dealing with AMEX so I trusted the person. Wrong!!




FloridaRon

Posts: 1191
Credits: 7484.5

Sub: #3 Yikes!
Tue, 02/12/2008 - 16:28

Frog is correct, go into a local branch of you bank, fill out and affidavit of unauthorized ACH, and close out your account and open a new one. Explain to the representative what is going on and they should help you through all you need to do. If you don't close out the account, though, even after placing a stop payment on the ACH or filling out the affidavit, the CA can just attempt to hit it again with a different merchant ID number. I know it's a pain, but it is best just to close it and reopen another one.

Good rule of thumb, never, ever, ever, ever, give your banking information to anyone! this goes for CA's as well as anyone else.

Speaking from personal experience, it can be a real pain in the behind to get your account resolved once it has been put into the negative by NSF fees when an attempt(s) is made and you didn't have the money in it. I even had my own bank overdraw my account for a loan I was paying off early, when I talked to the bank representative she assured me the debit would not occur on the next scheduled date.

Guess what? It occured.

I contacted her as soon as I saw what was going on and she acted as though I was a criminal for the account being overdrawn. I had to refresh her memory as to the fact she assured me the debit wouldn't occur, then it was like pulling teeth to get her to refund the NSF charges.

So if anyone offers to set up "convenient" ACH debits on my account, or make it a requirement. I say "No" I have online bill pay and it works just fine. Most of the payments do go out ACH anyway. I just like to know I have the "control" of when to turn them off and on.

I might also contact your bank and see if there is a way to get a secret password or code put on your account, for use if you call into their call center. Might prevent someone from calling in pretending to be you and somehow obtaining your account information. It happened to me about a year ago.




unclewulf

Posts: 3181
Credits: 31502.85

Sub: #4 [quote=bochs4]What do i do when a debt collector takes money fro
Tue, 02/12/2008 - 16:42

[quote=bochs4]What do i do when a debt collector takes money from my checking account without authorization?[/quote]



Sorry, I jost couldn't help myself.....

Kidding aside, you've been given very good advice in the posts above. You'd do well to follow it. Let us know how it goes for you.




sdchargers_63
Debt Samaritan
Posts: 1798
Credits: 17917.45

Sub: #5 banking
Wed, 02/13/2008 - 05:44

A few times, this issue has happened to me. With PDL's, I few, I was dealing with (at the same time) were suppose to take payments out at the end of the month. One of them took payments out every two weeks, which caused the OTHER one to bounce. I finally talked to the Bank Manager and closed my account. I even tranfered this certain account to another bank (so he PDL's couldn't 'trace' it. ACH's, from people/companies you don't really know, can be a pain.




Unregistered

Sub: #6 Unauthorized withdrawal from checking account
Thu, 05/07/2009 - 14:31

My local Gold's gym withdrew a payment from my checking account three months AFTER I submitted both written and verbal notification that they no longer were authorized to do so. The Manager of the gym denies any wrongdoing and her boss refuses to return my calls. I corporate Gold's does nothing but refer me back to the local franchise. Sad, sad, sad. Criminal behaivor.




Chrys Henderson

Posts: 2560
Credits: 17373.3

Sub: #7 File a complaint with the FTC, and also file a dispute with the
Fri, 05/08/2009 - 04:43

File a complaint with the FTC, and also file a dispute with the bank to reverse the charges. Include copies of your removal of authorization.

Then send a letter (with a copy of your complaint and the back-up info - if done online, include a printout of the confirmation email) to the local Gold's gym and the Home Office demanding an immediate refund of the unauthorized charge.




SOAPLADY


Debt Samaritan
Posts: 17181
Credits: 474368.63869987

Sub: #8 I would be going thru the bank with copies of the removal of aut
Fri, 05/08/2009 - 04:50

I would be going thru the bank with copies of the removal of authorization.




regbyandjulie
Posts: 144
Credits: 1761.55

Sub: #9 Wow, I had no idea collectors can even do that! Can they get you
Fri, 05/08/2009 - 08:23

Wow, I had no idea collectors can even do that! Can they get your banking information without you giving it to them?




NASCAR_Devil


Posts: 4668
Credits: 30821.994972777

Sub: #10 This wasn't a collector. It was Gold's Gym. I would raise hell
Fri, 05/08/2009 - 09:35

This wasn't a collector. It was Gold's Gym. I would raise hell with the local BBB as well. Wouldn't hurt to stand out fornt with a poster and stop everyone going in to tell them to check their bank accounts. That will get their attention :twisted:




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