My most popular blog post so far has been my experience with T-Mobile. It was a horrible experience and I wanted to share with others so they could use the same channels I used to resolve a bad situation. This brings us to today, when I received an email from Capital One 360 that an automatic ACH payment was processed out of my checking account. This was strange because I’ve been transitioning from Capital One to another bank so I wasn’t expecting any payments to be processed.
When I logged into the site, I was informed that there was a ‘Biller Initiated check Payment’ from a company named Global Web for $29.95. I immediately called Capital One to get more information on the translation. I spoke with a representative named Michael who said he’d open up a ticket but didn’t have any additional information (In truth, he wasn’t very helpful). He said I should call back in two business days to see if they had any additional information.
The next thing I did was to google in the information at hand. This led me to http://whocallsme.com/Phone-Number.aspx/8778551753 which showed I wasn’t the only victim in this scam and it could have originated at Everhome Mortgage.
A short time later, an email showed up in my Capital One 360 inbox with a copy of the check (which was already available) and a phone number to call if I needed additional assistance. I immediately called the number and spoke to Liz who was much more knowledgeable about the situation than Michael. She walked me though what would need to happen to get the charges reversed and said she would email me the form ‘Sight Draft Affidavit of Unauthorized Check’ which I would need to fill out and mail or fax to their office in order to get the charge reversed.
Eventually, my curiosity led me to call the number on the check. After waiting on hold for a few minutes, I was connected to ‘Mike’ at extension 7546. He denied that it was fraud, but was able to tell me that he worked for an intermediary and the charge was from an adult web site at 4:10pm on 3/12. This was especially interesting since I was at work during this time projecting in a large conference room. What was also interesting is that ‘Mike’ couldn’t tell me specifics on the charge (i.e. company, url, etc.). Mike was a champ in that he mentioned that his company was an intermediary and was based in the Dominican Republic. Again, he wouldn’t give out specific details but said he would stop future withdrawals (apparently this is now a subscription charge).
At this time, Capital One has emailed me a Sight Draft Affidavit of Unauthorized Check. The plan is to fill it out and fax it in first thing in the morning. This should allow Capital One to reverse the unauthorized charge. I’m also going to get a new account number so this doesn’t happen in the future. If they can’t do this, I plan on moving all my assets to another bank.
UPDATE (3/14) – I faxed my Affidavit of Unauthorized Check. The charge has been reversed (I assume through Global Web). Also, Everhome Mortgage called directly as they had seen the blog post and researched the issue and didn’t have any data breaches on their end. The likelihood is that it could have been a coincidence that a few people had them as their mortgage processor. I feel better having talked to them but I’m still not ruling them out because I had recently changed my ACH on their website.
UPDATE (3/25) – I have now been credited twice. Capital One 360 reversed the charge yesterday. I’m guessing this is due to me faxing in the Sight Draft. Also, a Capital One rep named Tasha has been trying to get in touch with me. We’re on day two of phone tag. One additional note… this fraud seems very popular due to all the comments and traffic. This post is getting anywhere from 50-100 hits a day. I encourage everyone to follow-up with their bank and I appreciate all the comments.
UPDATE (3/28) – Michael from Capital One called and let me know they are aware of the issue and it’s isolated only to me. They are changing my account number, which is good. Michael is supposed to call me back to confirm when this is done.
UPDATE (4/7) – I’ve published a summary of everything that has happened and potential actions if this happened to you.
If you’ve ever had fraud on your checking account or have any similar experiences, please feel free to drop a note in the comments.