I know it's bad. I gave him ONLY my credit card number and name of the bank. That's it.
He did transfer to my Credit Card account 3,760. Now my balance is (-3,760)
WaMu MasterCard® credit card
Description: Payment Recvd Thank You Arlington Tx
Transaction Date: 12/11/07
Posting Date: 12/11/07
Amount: $(3,760.00)
Reference Number: 60000000000043000003600
I didn't use this credit card, yet.
Please explain to me WHAT'S THAT? Is it SCAM and FRAUD? What do I need to do?
2007-12-19 07:59:55 · 10 answers · asked by Anonymous in Business & Finance ➔ Credit
It's a fraud and you are about to be scammed.
If this is a Credit Card(not tied to your bank account). He made a payment of $3760 to your credit card, so you have a credit of $3760. He probably said something like he wants you to purchase a laptop and send it to him(probably a PO BOX or out of the country) that is around $2,000 and wants you to keep the rest as your fee.
But DO NOT purchase the laptop. Eventually that payment will be found out to be fraudulent and WaMu will reverse the payment. If you purchase the laptop and sent it you will be out that money.
Immediately contact WaMu Credit Card and ask to speak to the Fraud Department. Let them know what happened.
2007-12-19 09:28:54 · answer #1 · answered by OC1999 7 · 0⤊ 0⤋
What did you do and what did you promise?
The way I look at the scenario, you might be the one who will be accused of a confidence scam because he could say he gave you the money and you took a long time/did not purchase the laptop he wanted you to buy.
You see, in fraud cases, all you do is trace the money. Where is the money? Do you have it.? Why is your bank account in the negative. That means there is no money there.
If it is a scam, this guy initially put in the money and took out the money right away. Ask the bank what happened or trace the money now.
Make sure you can trace where the money came from, all the communication between you and this person.
Follow through with your promise to purchase the laptopif the money is still there. It is not illegal to buy a computer. Make sure that the shipping comes from the store, and not from you. In that way, the bill of lading will be irrefutable proof that the goods was purchased and shipped. Keep copies of the receipt and shipping documents.
Close that account and never give personal information to anybody again
2007-12-19 08:16:41 · answer #2 · answered by QuiteNewHere 7 · 0⤊ 0⤋
What man asked you to do this? It looks like he scammed you.. you definitely should be more careful.. NEVER EVER give anyone your credit card number or bank account number. Heck, I don't even do online banking anymore.. it's too risky. Scam artists do a lot of things..
Your scam sounds like a Nigerian 419 scam.. here is some information: http://home.rica.net/alphae/419coal/
Basically it is when someone asks you to receive money for them so that they can repay you in a larger amount.. or in your case, get him a laptop because he probably said he didn't have an account.. or something. Then once they get your account number, they drain your funds and then they disappear. You need to call your bank and file the dispute now but it's going to be really difficult to catch the person. Good luck to you.
2007-12-19 08:12:03 · answer #3 · answered by Cupid 6 · 1⤊ 0⤋
well i'm not for sure what he did but this seems like something ive heard of before, not in a good way. it seems like he could ve wrote a bad check for 3,760 and then taken it out of your account. So when he takes it out of your account, you now owe 3,760 because the check never clears. The 3,760 posted long enough for him to take out. I'm not sure if i explained this correctly but it does seem to be a scam. I think he got one on you!
2007-12-19 08:13:28 · answer #4 · answered by kknumber8 3 · 0⤊ 0⤋
His payment may bounce, don't do anything about spending on him for several months in case it was on a bank in another country.
File a fraud alert since you gave a scam artist your credit card and bank information, close the accounts and hold the money until the deposit bounces.
2007-12-19 08:08:01 · answer #5 · answered by shipwreck 7 · 2⤊ 0⤋
You aren't serious are you? You actually gave someone your credit card information
CC number and the name of the bank only?????
What else would they possibly need? Your blood type?
You were absolutely owned!
2007-12-19 08:09:42 · answer #6 · answered by Deeder Magoo 3 · 3⤊ 0⤋
call your bank and ask to have that transaction explained. IT may be correct if he deposited money but if its a withdrawall I would challange it as fraud.
2007-12-19 08:10:30 · answer #7 · answered by mark 6 · 1⤊ 0⤋
I have no idea. You should hurry and call Washington Mutual and see what's going on.
2007-12-19 08:06:42 · answer #8 · answered by Jen 3 · 1⤊ 0⤋
Who is this man????
2007-12-19 08:08:29 · answer #9 · answered by Stacy 3 · 1⤊ 0⤋
CAN YOU SAY OWNED!!!!!
2007-12-19 08:06:39 · answer #10 · answered by Anonymous · 2⤊ 0⤋