Check Your Accounts At Least Daily
If you have access to your bank accounts online, you would do well to check the balance on a
day by day basis. I always do and as of today I have caught 3 major errors. The first time
someone got hold of my debit card info (probably swiped it through a hand reader somewhere) and bought
nearly $800 of goods online. I caught it as if happened and filed a report - it was reversed
shortly after. The second time, a check I sent in for $99 took $990 out of my account. After some
amount of doing and time, it was also corrected.
The third time - happened this morning. I logged into my business account and saw a very
wrong balance - incredibly lower than it should be. I went to look at the activity, and it
turned out a $22.11 payment I made over the phone was charged to my account as $2211.00! I
called up the company that made the charge, and started them working on figuring out what to
do. I called my bank and they tried to see what can be done, but the authorization had already
automatically gone through, so there was nothing that could be done until it clears, leaving the
responsibility on the company that made the charge. I was forwarded to a higher manager area and
they've been on it all day, and still nothing resolved yet (other than admission that the
mistake is theirs). So, we're hoping the paperwork request got to the merchant account people in
time to undo the charge before it comes out of "pending" and clears. If it clears, I will have to
wait for a refund - another several days down the road. The bank, knowing what happened, will
monitor and allow the charges that are set to clear as they come through, at no penalty to me. I also
had to call my cell company to ask for a several day extension for making its payment. That
was no problem at all. I had to stop at a grocery store and when asked how my day was, I explained
"frustrating" and told what happened. Of all things, in trying to help my day get better, the
cashier gives me a $2 "coupon code" to take off my total - to help my day get a little bit
better. Some things still went right - the caring of a stranger to try to do a little something -
went a looong way!
The best way to get a mistake such as those above corrected quickly is to check the activity
often enough to start fighting it asap. Otherwise you could continue to use your card, write
checks, etc., on the account and then go into the negative - that makes it tougher to not
get dinged the penalties - if you have too many charges that you keep on adding up. Talk to
both your bank and the company that made the mistake - immediately when you find a problem. You
might also catch a miscellaneous charge that you never even made - and find you have been
scammed. Just act quickly to get it taken care of.
~~~~~~~~~~
Paulina Roe is an ethical funding agent, making sure
clients are funded as fast as possible, at as low a rate
as possible. More information can be found at
http://www.advancelawsuitfunding.com or call 888-414-4260.
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Scams & Alerts
Don't reply to email "from" the IRS, your bank, your credit company, or any other entity asking you to
log in and verify account information. If you think something is real about it - call or
email from the contact information directly on the original site or in phone book - NEVER
contact the place from information on the email.
These scams are also working by way of US postal mail, the phone (have you been getting
the bogus auto warranty calls, or the calls about your last chance to be eligible to lower
your credit rate, etc. - all bogus!), and any other way they can get to you. Let them be, and
give them NOTHING! NO account info, no passwords, no money, NOTHING.
Also - look over your bills, such as phone bill - for any charges you haven't authorized.
My husband found a recurring charge on the phone bill (he hadn't even looked at it for some time)
and had to do a lot of arguing to get it off the bill - it offered no service, and we hadn't even
authorized it (they claim the other spouse they aren't talking to is the one who authorized it,
and believe this - they tape conversations and re-edit them to sound like what they want - they
ask you to say "yes" and "no" so they can splice them onto questions they splice in) - be
aware of bogus charges on your bills!
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