Posted: 3/12/2016 7:20:32 PM EDT
| How does someone fradulently deduct money from your account using an ACH debit? I had someone hit my checking account and I'm not sure how,and the bank can't tell me how. |
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All they need is your checking account number and bank routing number.
http://www.csoonline.com/article/2125833/malware-cybercrime/ach-fraud--why-criminals-love-this-con.html |
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Quoted:
All they need is your checking account number and bank routing number. http://www.csoonline.com/article/2125833/malware-cybercrime/ach-fraud--why-criminals-love-this-con.html What was weird is that it was a medical supply company in newberry londonberry (sp?) NH. I looked up the company and it doesn't exist. The registered address is a delapidated building. How does someone set up a "terminal" or whatever to do this. It was a pretty ambitious amount to try to take on a first hit. |
| A fraudulent ACH can be returned by the bank through the ACH network up to 90 days after it hits your account. Neither you nor the bank is out money then. If it is beyond 90 days, the bank may need to eat the charge but under Reg E, you should still be reimbursed. |
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Quoted:
All they need is your checking account number and bank routing number. http://www.csoonline.com/article/2125833/malware-cybercrime/ach-fraud--why-criminals-love-this-con.html Yep, and those two things are printed on every check you write. It'd be like putting your social security number on every credit card receipt. |
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Quoted:
What was weird is that it was a medical supply company in newberry londonberry (sp?) NH. I looked up the company and it doesn't exist. The registered address is a delapidated building. How does someone set up a "terminal" or whatever to do this. It was a pretty ambitious amount to try to take on a first hit. Quoted:
Quoted:
All they need is your checking account number and bank routing number. http://www.csoonline.com/article/2125833/malware-cybercrime/ach-fraud--why-criminals-love-this-con.html What was weird is that it was a medical supply company in newberry londonberry (sp?) NH. I looked up the company and it doesn't exist. The registered address is a delapidated building. How does someone set up a "terminal" or whatever to do this. It was a pretty ambitious amount to try to take on a first hit. Sounds like someone setup a fake business and a real bank account for it, got a list of victim accounts from somewhere, and is running it for what they can get. My next guess is that everything they do get is instantly transferred to a foreign bank and gone. Making millions in a life of cyber crime while never leaving their house. Edited for clarity. |
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Quoted: What was weird is that it was a medical supply company in newberry londonberry (sp?) NH. I looked up the company and it doesn't exist. The registered address is a delapidated building. How does someone set up a "terminal" or whatever to do this. It was a pretty ambitious amount to try to take on a first hit. Quoted: Quoted: All they need is your checking account number and bank routing number. http://www.csoonline.com/article/2125833/malware-cybercrime/ach-fraud--why-criminals-love-this-con.html What was weird is that it was a medical supply company in newberry londonberry (sp?) NH. I looked up the company and it doesn't exist. The registered address is a delapidated building. How does someone set up a "terminal" or whatever to do this. It was a pretty ambitious amount to try to take on a first hit. They used your account number/routing number. Can you look to see if you had any trial deposits hit your account? |
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Quoted: A fraudulent ACH can be returned by the bank through the ACH network up to 90 days after it hits your account. Neither you nor the bank is out money then. If it is beyond 90 days, the bank may need to eat the charge but under Reg E, you should still be reimbursed. This depends on whether or not the ACH was initiated inside or outside of your account. |
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Quoted:
Yep, and those two things are printed on every check you write. It'd be like putting your social security number on every credit card receipt. Quoted:
Quoted:
All they need is your checking account number and bank routing number. http://www.csoonline.com/article/2125833/malware-cybercrime/ach-fraud--why-criminals-love-this-con.html Yep, and those two things are printed on every check you write. It'd be like putting your social security number on every credit card receipt. I don't write checks for this reason. I'm literally on the same checkbook from 6 years ago. I think my info was compromised from one of my utility or service companies that direct debit my account |
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Quoted:
They used your account number/routing number. Can you look to see if you had any trial deposits hit your account? Quoted:
Quoted:
Quoted:
All they need is your checking account number and bank routing number. http://www.csoonline.com/article/2125833/malware-cybercrime/ach-fraud--why-criminals-love-this-con.html What was weird is that it was a medical supply company in newberry londonberry (sp?) NH. I looked up the company and it doesn't exist. The registered address is a delapidated building. How does someone set up a "terminal" or whatever to do this. It was a pretty ambitious amount to try to take on a first hit. They used your account number/routing number. Can you look to see if you had any trial deposits hit your account? No trial deposits or withdrawals. The hit was almost $5k. Someone either had some balls or was really stupid. |
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Quoted: No trial deposits or withdrawals. The hit was almost $5k. Someone either had some balls or was really stupid. Quoted: Quoted: Quoted: Quoted: All they need is your checking account number and bank routing number. http://www.csoonline.com/article/2125833/malware-cybercrime/ach-fraud--why-criminals-love-this-con.html What was weird is that it was a medical supply company in newberry londonberry (sp?) NH. I looked up the company and it doesn't exist. The registered address is a delapidated building. How does someone set up a "terminal" or whatever to do this. It was a pretty ambitious amount to try to take on a first hit. They used your account number/routing number. Can you look to see if you had any trial deposits hit your account? No trial deposits or withdrawals. The hit was almost $5k. Someone either had some balls or was really stupid. They are paying bills with your account. Time to close it and get a new account. |
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Just saw this in the news, an example of how it happens but this guy wasn't too smart!
Sheriff: Former inmate used jail's bank account to pay bills http://www.kcci.com/news/sheriff-former-inmate-used-jails-bank-account-to-pay-bills/38585206 |
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I've had something like that happen.
For 2014 0bummernocare we canceled insurance in my name with blue cross blue shield NC and signed up on the farceplace marketplace under my wife's name. For 2013 health insurance I had set up an automatic debit to pay the monthly BCBS of NC fee. We logged into that account and removed the bank account routing number and account number before cancelling the policy. Jan 2014 rolls around, and somehow that account was reactivated and the bank account info mysteriously re-appeared and just over $600 was taken out of my bank account by BCBS of NC. I called them about it several times, finally they claimed they had not taken any money out of my account and told me to get an official notarized statement from the bank saying the money was taken from my account. By this time I think it was April. I did get a statement from the bank and sent it certified mail to BCBSNC. I received a few calls assuring me the money would be refunded. By August it still had not been refunded. I called the "caseworker" again near end of August. She said there must've been a glitch and she'd re-submit the refund. It was about September 20th that I finally received a check from them. That's fraud to me, I think most people would not have went the lengths I had to to get my money back. I also put in a fraudulent transaction report at the bank too, they denied that it was not an authorized transaction. I no longer bank with those assholes. |