Bank Draft Agreement Has Been Breached

If you receive a call from your bank`s fraud department, hang them. In fact, better yet, don`t answer the phone at all. This is the advice of a Reddit thread this week about bank fraud. In some cases, fraudsters will even ask for a social security number as proof of identity, he said, and deluded consumers have handed it over. This type of fraud is particularly targeted at seniors, who may fear that their cards have been legally compromised and offer confidential information, he said. “First they gave their credit card information, and then they give them their lives,” he said, because fraudsters can use this social security number to create even more chaos, including the potential opening of financial accounts, medical treatment through the hacked person`s insurance and the filing of a fraudulent refund. If telemarketer leads to withdraw money from your bank account without your knowledge or permission, they have broken the law. If you receive written confirmation that does not reflect your accurate understanding of the sale, follow the refund procedures that should have been provided and ask for your money back. If you are not reimbursed, it is against the law. If you think you have been a victim of fraud, contact your bank immediately. Tell the bank that you have not paid the burden and want to avoid further charges. You should also contact the Attorney General. Depending on the timing and circumstances, you can get your money back.

A better approach when someone claiming to be from a financial institution calls: say you have to call back, he said. You will then find your financial institution`s phone number separately by looking at and calling your credit card bank or account statement. THIS IS THE LAW: As of December 31, 1995, a seller or telemarketer is legally required to obtain your verifiable authorization to obtain payment from your bank account. This means that anyone who takes your banking information over the phone must have your express permission to debit your account and must use one of three ways to get it. The person must tell you that the money is taken from your bank account. If you allow the money to be paid into your bank account, they must obtain your written authorization, register your authorization or send you a written confirmation before debiting your bank account. When they register your permission, they must disclose the following information, and you must receive it: It was a blessing!! We get at least 3 robocalls a day, and I`m sure the elections have increased next year. Thank you nomorobo! Once a telemarketer has your current account information, it is placed on a “project requirement” that is treated in the same way as a cheque. The project contains your name, account number and an amount.

However, unlike a review, the project does not require a signature. If your bank receives the project, it will take the amount from your current account project and pay the telemarketer`s bank. You may not know that your bank paid for the project until you received your statement of account. The redd. Keyann wrote a message in which he or she received a call from someone who claimed to be the fraud service of his bank and said there was a fraudulent theft fee. Here`s the turning point: the caller`s ID for the call even said the name of the bank. But when the caller asked for the Redditor PIN, Keyann smelled like a rat. “The caller`s ID makes them authentic,” Keyann wrote. “The fraud department said they saw it several times, with the caller`s ID displayed as a bank.” Consumers should also regularly check their bank accounts for fraud, so that if a fraudster calls or texts claiming that a card has been compromised, the consumer can confirm that in real time on their mobile banking app or website, Ruden said.

Fotos: Kathrin Leisch
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