My Bank Account Has Been Phished!!!?

Question

How can I get my money back? My account has been emptied and my bank has said tough luck! they hold no responsibility!
Any advice appreciated

ok, I didn't realise that an email supposedly from my bank was a Phishing email. It looks just like an email my bank would send, logo, my name. Its as though it was my bank and it genuinly knew me.
Unfortunately my bank is saying because I gave my personal information out freely there is nothing they can do. They have told me though that my money has been traced to another account within a different bank.
So how do I go about getting it back?

Answer 1

That is tough, indeed. Phishing is a very clever way that identity thieves use to get passwords and bank account numbers and SSNs from unsuspecting people - many are fooled into giving up sensitive information. They create sites that look nearly identical to the real bank's web site, and they send spoof e-mails to scare you that your account has been 'compromised' and ask you for your passwords and other sensitive information, usually with a fake 'time limit' and a warning that your account will be frozen or locked, so that you will give up informtion in fear you might lose your account.

A bank account usually doesn't have the kind of protection that a credit card usually has, and is more vulnerable, especially if it is online banking - all that a thief needs is your login ID and password to get access to your bank account. Depending on your bank's policy, they may not be held accountable (supposedly because they did not take the money). So, what you have to do is report to the police and give them all the info you can give about how and when this happened, and report to your consumer protection agency. If the amount is large, you may consider getting advice from an attorney. Still, your chance of getting your money back are slim to none, since phishing is very difficult to track down. Timing is of essense here.

For ATM and Debit cards, there is a law that protects the account owner to limit losses: if you report within 2 days of the theft, your losses are limited to $50. If you report within 60 days of the theft, your losses are limited to $500. But if you report past 60 days of the theft, your losses are UNLIMITED. So, I hope you reported within 60 days of the theft. That is one of the reasons why you need to check your account every other day. And you need to be careful with e-mails that supposedly come from your 'bank'. When in doubt, don't respond or click on the link. Your bank won't contact you by e-mail. Also, beware of phishing phone calls - they usually ask for your personal information. Be the person to call the bank and verify, using your bank's official customer service and fraud department phone numbers. Keep them handy. If your bank doesn't have a good security and customer safety program, swithch to another bank.

Are you a US resident or citizen? The laws are different from state to state within the USA. There are laws that protect people from identity theft, and there are professionals who can help you for a fee (normally around $1000 per case) to clean up this mess done by identity thieves.

Answer 2

You need to get in touch with the police and i hope you have learned your lesson, never give out details on an email, even if you think it is from the bank, the bank would never ask for them that way.

Answer 3

This won't help now, but there is a SIMPLE method of knowing if an e-mail from your bank is legitimate. There is NO SUCH THING as a legitimate e-mail form your bank asking you to do ANYTHING or give ANY information. If you doubt me, go to your bank and ask them. NOTE: I have no idea what bank you use. It doesn't matter. This is one think they ALL have in common.

Answer 4

You need to file a police report for starters. I don't know who you bank with but you need to keep houding your bank, call their corporate headquarters. It's their job to keep your money safe.

I know that Bank of America, for all their corporate crappiness, would at least refund my money if a crook emptied my account. Maybe you should consider changing banks.

Answer 5

You need to go back and get your money. What do you mean they said tough luck.
You can report this as a fraud.

Answer 6

Keep complaining to your Bank. They will accept responsibility eventually (unless there is something you haven't told us)

Answer 7

Good advice from ^^^^^

Edit: What a nightmare from your update!

Answer 8

How did they get your account details?