Just got my weekend ruined

I went today to grab a few items for our office birthday celebration for this month. I went to use my debit card and it gets declined. Odd since I picked up my prescriptions last night, but used a credit card just so I could get out and back to the office in time. I look up my info on USAA and see paypal instant transfers going out to someone name Joshua Stahley, no clue who this is. I log into paypal and see the transactions in there and open disputes and see it will take 10 business days to respond. Not going to work for me, so I call them up to see what the fuck the charges are for. They say that they were sent as payment for goods, but the IP address used to log in was in China. Now something clicks since I deleted a few emails from them in Chinese Han script thinking they were spoofs. They said to call my bank and tell them to file an ACH request due to an unauthorized account usage. USAA says they have to mail me a form to fill out, get notarized and send back to them so they can start the process. So basically all the money I had saved for building an AR is gone, CC payments scheduled for tomorrow are not happening, gas and grocery money is gone and paypal says the funds were immediately withdrawn so they have nothing to refund me. So I am stuck waiting for USAA to be able to do their process which they say can take up to 45 days to resolve. I get paid Monday, but I have nothing for this weekend and my wife is in Vegas working on the Carpenter fire near Pahrump. So it's me, the dogs and some ramen noodles. Between this and the multiple problems associated with a family member stealing my identity I've come to the conclusion that I'm not meant to save money or buy a house of my own.

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Originally Posted by Dave

I went today to grab a few items for our office birthday celebration for this month. I went to use my debit card and it gets declined. Odd since I picked up my prescriptions last night, but used a credit card just so I could get out and back to the office in time. I look up my info on USAA and see paypal instant transfers going out to someone name Joshua Stahley, no clue who this is. I log into paypal and see the transactions in there and open disputes and see it will take 10 business days to respond. Not going to work for me, so I call them up to see what the fuck the charges are for. They say that they were sent as payment for goods, but the IP address used to log in was in China. Now something clicks since I deleted a few emails from them in Chinese Han script thinking they were spoofs. They said to call my bank and tell them to file an ACH request due to an unauthorized account usage. USAA says they have to mail me a form to fill out, get notarized and send back to them so they can start the process. So basically all the money I had saved for building an AR is gone, CC payments scheduled for tomorrow are not happening, gas and grocery money is gone and paypal says the funds were immediately withdrawn so they have nothing to refund me. So I am stuck waiting for USAA to be able to do their process which they say can take up to 45 days to resolve. I get paid Monday, but I have nothing for this weekend and my wife is in Vegas working on the Carpenter fire near Pahrump. So it's me, the dogs and some ramen noodles. Between this and the multiple problems associated with a family member stealing my identity I've come to the conclusion that I'm not meant to save money or buy a house of my own.

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Let me know if you need anything for the weekend. I can help a bit with funds till you get your money back.

That's the first negative I've heard about USAA ever. Even crappy ass US Bank has money back in my account within minutes when I've seen fraud on my account (someone once used it for $382 online for Crocs? How do you spend nearly 400 bucks on those damn things).

That sucks man. Hope it gets sorted out quickly. Good reason to keep a couple grand in cash in the safe, just to refund the account in case something like this comes up.

and this is why I do not tie my primary bank account to anything ...though I learned that the hard way myself

hope it all gets resolved, also if you need anything, food etc hit me with a PM, luckily you didn't find this at 5:00 pm on a Saturday

Sad to hear. I have been a victim of ID theft too. Now my bank resolved the charges within 48 hours. I buy alot of things online so I opened anorher checking account that does not have overdraft protection. When I buy online I only put what is needed to pay in the account. On the law enforcement part of ID theft I am not to impressed by how banks go after these thieves, they dont seem to want too. I caught a waitress and cashier several years ago skimming my credit card, also caught a Gamestop employee doing that as well.

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Originally Posted by Kraven251

and this is why I do not tie my primary bank account to anything ...though I learned that the hard way myself

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X2 Credit card only on paypal. Chargebacks are a lot easier to deal with than cash missing out of your account.

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Originally Posted by battle_sight_zero

Sad to hear. I have been a victim of ID theft too. Now my bank resolved the charges within 48 hours. I buy alot of things online so I opened anorher checking account that does not have overdraft protection. When I buy online I only put what is needed to pay in the account. On the law enforcement part of ID theft I am not to impressed by how banks go after these thieves, they dont seem to want too. I caught a waitress and cashier several years ago skimming my credit card, also caught a Gamestop employee doing that as well.

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Unless the bank presses the issue, there are no charges filed. Bank Fraud is like repeat calls to the same address with domestic violence. Complaints are heard but charges are never filed.

Yeah dave, let me know if you need a six pack or something. I am just down the street!!!

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Originally Posted by battle_sight_zero

Sad to hear. I have been a victim of ID theft too. Now my bank resolved the charges within 48 hours. I buy alot of things online so I opened anorher checking account that does not have overdraft protection. When I buy online I only put what is needed to pay in the account. On the law enforcement part of ID theft I am not to impressed by how banks go after these thieves, they dont seem to want too. I caught a waitress and cashier several years ago skimming my credit card, also caught a Gamestop employee doing that as well.

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I also set up a different account for all online buying and I don't have it linked to anything else.

That sucks. I keep my savings at a separate bank for issues like this.

Thanks for all the offers guys, really appreciate it. Mostly just blowing off steam here since my supervisor wasn't impressed with the fist sized hole in a box of envelopes "someone" punched. He was more concerned that some of them got folded up inside and the windows on them tore from it. [oops]

With my wife gone I didn't have huge plans anyway, except maybe trying out my new Sig 9mm. I will probably look at opening a separate account for online shopping, and only tying a CC to paypal. Also gonna run some antivirus and malware checks tonight to make sure I don't have a keylogger on my system.

Sorry to hear Dave, that sucks. As others have said if you need some funds to tie you over until Monday let me know.

I've been listening to way too much Dave Ramsey lately, but reading this made me decide I'm purchasing this very soon. ID Theft Protection where they do all the work AND reimburse your money if I understand it correctly.

https://www.zanderins.com/idtheft/idtheft.aspx

Looking to go 4x4ing on Saturday. Dave, you are welcome to join up!!! Cost is.....FREE!!!!!!

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Originally Posted by mindfold

I also set up a different account for all online buying and I don't have it linked to anything else.

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^^^
1 acct for paypal, DIFFERENT BANK!!!
1 acct for CC's, DIFFERENT BANK!!!

I got 50 rounds of 9mm if you want to run through your Sig and $20 to hit up Firingline if that'll help you cheer up. I'm around the area too. PM me if you want it.


Steel cases though.. if that doesn't bother you [Beer]

So last night I opened the upstairs doors to allow the breeze through, my bedroom door slams shut and somehow engages the lock. My keys are on my nightstand, and her keys are with her in Vegas. After an hour of not being able to pop the lock I had to kick the door open, which now means I need a new door.

Fortunately this morning I had an email from paypal and they got back one of the $500 charges. Only bad part is I have to wait 3 business days for it to deposit back to my checking account. Sending my forms to USAA to try and get the others reversed. I guess different rules apply to instant transfers from an account than CC transactions. So my next action once this is done is CC only on paypal, no more checking account.

I'll probably head to Firing Line tomorrow afternoon. I have enough range 9mm rounds on hand and I can use good ole MasterCard for range fees. If anyone else wants to shoot paper at close range I'm always up for meeting forum members.

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Originally Posted by Dave

So last night I opened the upstairs doors to allow the breeze through, my bedroom door slams shut and somehow engages the lock. My keys are on my nightstand, and her keys are with her in Vegas. After an hour of not being able to pop the lock I had to kick the door open, which now means I need a new door.

Fortunately this morning I had an email from paypal and they got back one of the $500 charges. Only bad part is I have to wait 3 business days for it to deposit back to my checking account. Sending my forms to USAA to try and get the others reversed. I guess different rules apply to instant transfers from an account than CC transactions. So my next action once this is done is CC only on paypal, no more checking account.

I'll probably head to Firing Line tomorrow afternoon. I have enough range 9mm rounds on hand and I can use good ole MasterCard for range fees. If anyone else wants to shoot paper at close range I'm always up for meeting forum members.

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If it makes you feel any better I had to break into my shop after being in it for a month. I put new locks on the inner door and then went for a test drive forgetting that I needed to grab the new keys as well. And I locked the door since I don't leave the shop unsecured while I am not here. I ended up having to kick the door in. Three kicks.

Still need a new door.

I would have been in the situation of being without keys many times, but I keep a duplicate house key and a duplicate shop key in my wallet. I also keep a set of lock picks in a secure but accessible location for the times when I'm extra stupid...

I have duplicate house keys in concealed but accessible locations as well, just never thought to have a spare bedroom key.... until now. [facepalm]

Damn dude. YOU! Need a couple beers. I live In Aurora, I'll take ya out for some wings and beer if you want to tomorrow night.

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Originally Posted by Bitter Clinger

Damn dude. YOU! Need a couple beers. I live In Aurora, I'll take ya out for some wings and beer if you want to tomorrow night.

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IN!

Hell lets do it! you guys know where the frontier is?

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Originally Posted by Bitter Clinger

Hell lets do it! you guys know where the frontier is?

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Not off hand, most of my wing consumption is at Wing Hut at Chambers and Hampden. Close to me and they serve Dry Dock beers.

Credit cards>debit cards.
Nothing goes missing from your account and Amex has new cards to you the next day and the money refunded within 2.


Good luck getting everything back quickly and don't let it ruin your weekend.

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Originally Posted by Dave

Not off hand, most of my wing consumption is at Wing Hut at Chambers and Hampden. Close to me and they serve Dry Dock beers.

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That is 3 miles closer to me then The Frontier is too. Yum.

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Originally Posted by Bitter Clinger

Hell lets do it! you guys know where the frontier is?

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About a block from my house...[ROFL1]

don't use debit cards!

ever

Sorry to hear that Dave. ID thieves suck!!

So I'll be at Firing Line at about 2 tomorrow afternoon if anyone wants to show up. Gotta head to work for a couple of hours in the morning.

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Originally Posted by Dave

I have duplicate house keys in concealed but accessible locations as well, just never thought to have a spare bedroom key.... until now. [facepalm]

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Hence the lockpicks...it's probably a good thing I'm an honest person, I could be a damn effective criminal.

Still at work, but still looking like Firing Line is a go for me at 2. I'll be in a white Explorer with gold trim, got my Free Colorado t-shirt on.

Sooooo, about that offer of wings and beer tonight.... [Dinner]

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Originally Posted by mindfold

I also set up a different account for all online buying and I don't have it linked to anything else.

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I set up a prepaid Walmart card for all of my online purchases. When I want to buy something, I just go put the money on my card. I don't have to worry about anything ever happening since there is no overdraft on it. If anyone did get ahold of my card number, I would see that they tried to buy something and failed because the lack of money, and I could just cut up the card, and go get a new one...

I just got screwed into working tonigh...I called in last time I cant do that again, sorry man.