I hate thieves

[davsel]

So, I check my bank account online today, and notice that a savings account I never use is down over $1000.

I call USAA and find out that the bank expedited a debit card to Florida on the 5th, and then today a deposit of $4000 went into my account followed by 8 ATM withdrawals in Florida between $300 and $800 each until less than $500 remained in the account.

USAA will take care of it, but this means someone out there has enough of my information to have a debit card mailed to them without my knowledge.

I know all my info got stolen in the last govt. security clearance cluster, and they gave me free ID theft protection - A lot of good that did. I didn't get any notification from the bank or the ID protection people that a debit card was expedited to Florida. How can that be?

[Bailey Guns]

That sucks.

[Aloha_Shooter]

I'm surprised USAA didn't contact you about the expedited debit card. I have my accounts set up to alert me for any debit above a certain amount. It means I get a lot of text messages I don't care about but I'd rather get those and delete them than have a surprise like you had.

[Grant H.]

One more reason to not like USAA.

Chase texts me if they see anything out of the ordinary on any of my accounts, and I didn't have to tell them to do that.

[00tec]

One more reason to not like USAA.

Chase texts me if they see anything out of the ordinary on any of my accounts, and I didn't have to tell them to do that.

Yeah, Chase didn't text me a damn thing when someone bought $950+ worth of plane tickets using my card, then didnt reimburse me for over a week.

USAA called and text me within minutes and reimbursed me within hours of having debit card problems.


This kind of stuff sucks, but happens. No bank can prevent all of it, but I am confident saying that USAA will get this squared away sooner than later.

[davsel]

Update

Called USAA back this morning and found out the thief called in with my cell phone number and passed several, but not all, of the security questions, passwords, and pin I had in my profile. USAA "verified" it was me and expedited the thief a debit card for my savings account. The thief then deposited $4000 into my savings account and started withdrawing cash from an ATM until the account was empty. I asked why I was not notified, considering they send me email and docs all the time, and she said they will be checking for any mistakes USAA may have made.

USAA had me change all my profile info, and added some more security procedures since the thief was able to clone my cell phone number. They said the money should be returned in three to five days.

I am impressed with the ability of this particular thief - the information they provided over the phone is not something I would have expected them to know, such as the name of my elementary school and other info. They should have placed the effort toward someone who has some descent money in the bank - all they got from me was $1501, and USAA will have that returned soon.

Now I have to jump through more hoops to access my accounts, and I'm sure they will find a way around that too if they really try.

I'll be burying another ammo can this weekend if the ground is not too frozen.

Thieves suck.

[Irving]

I'm sure you've already fantasized about noticing the $4,000 and moving it into a different account before it got withdrawn.

[davsel]

I asked USAA if it would be returned along with the rest of my money, and she said she did not know.
I then asked if I could testify, and she said it would be up to the investigators.
I then asked if I could pull the lever at the hanging, and she said she did not know.

She tried to remain professional, but I got her to laugh a bit.

[BushMasterBoy]

I check my accounts almost everyday. It is the only way I feel safe.

[Aloha_Shooter]

Wow, he cloned your cell phone number? That's no ordinary identity thief. I don't know what's behind Grant's hate for USAA (I'm sure there's a story behind it) but I've never had better service from any financial institution.
The fact he appeared to be you by calling from a verified number and passing the security questions explains their expediting the card to him -- I've had them have to send me an emergency card while I was on travel and they are very good with that once they feel they have verified your identity. Remember, they are used to trying to support military personnel and they bend over backwards to take care of personnel who are traveling.