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Old 05-11-2013, 01:25 PM
 
1,752 posts, read 3,206,521 times
Reputation: 2082

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Hello! a few days ago I was looking over my bank statements online. I noticed a check was "written" in the amount of $30. For one, I do a lot of online bill pay, so I hardly write checks, for two, the check number was very, very high. The amount was $30 this month and $30 last month from "Loans4me.com". I've never heard of them, nor used them. I googled them, and found that others were scammed as well. I instantly called my bank (Ally), and spoke to a rep about it. At first she questioned me "are you sure you didn't forget your checks somewhere?" I said "no.." and also questions my memory "are you sure you didn't write the check?" She passed me over to a "check specialist" to look at the check.

From there she said she would put a restriction on my account-- money could go in, but money could not come out. I only have had one bank up to this point, and perhaps its all in "learning my lesson". I was told that I could go open up another bank account, or even open up another checkings account with ally and my money could get transferred. Well, now that the "restriction" is on there, it can't be lifted. I am the one that requested it, shouldn't I have the power to lift it, even if just for 5 minutes to transfer my funds to another bank (which I now have)? I have been getting a lot of "no, we can't help you.." answers from them. I need to pay my bills, but clearly I can not.

To be honest, with this headache, it seems like its easier to get $30 drained from my a month then put up with all this "restriction" stuff.


Any suggestions?
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Old 05-11-2013, 02:14 PM
 
Location: MMU->ABE->ATL->ASH
9,226 posts, read 18,538,949 times
Reputation: 10190
Honestly the only way to stop the EFT from your account is for them to close it. Do you have other EFT that come out of that that account?

I would re-talk to Ally. Bump it up to a supervisor at the customer service center. They should open a 'new' account for you NOW, and move the funds to the new account, and move the bill pay info to that new account.

You need to put the $60 into written dispute. They will require Loans4me.com to prove that its a valid EFT from your account. (Ally will do a EFT chargeback to the sending bank, to put it in dispute with them. The Sending bank will out a $60/hold on Loans4me.com account ) If Loans4me.com does not, or does not reply they. They will move the $60 from dispute (a $60/hold) and move that money to your other account then.
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Old 05-11-2013, 02:19 PM
 
1,752 posts, read 3,206,521 times
Reputation: 2082
When they tried to open up a new account for me it says there is a "hold" and continued to say "probably because there is a restriction on this one..." Uh yeah, duh.. thats because WE put one on THERE.
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Old 05-11-2013, 06:06 PM
 
1,139 posts, read 3,092,781 times
Reputation: 794
Quote:
Originally Posted by leadingedge04 View Post
Hello! a few days ago I was looking over my bank statements online. I noticed a check was "written" in the amount of $30. For one, I do a lot of online bill pay, so I hardly write checks, for two, the check number was very, very high. The amount was $30 this month and $30 last month from "Loans4me.com". I've never heard of them, nor used them. I googled them, and found that others were scammed as well. I instantly called my bank (Ally), and spoke to a rep about it. At first she questioned me "are you sure you didn't forget your checks somewhere?" I said "no.." and also questions my memory "are you sure you didn't write the check?" She passed me over to a "check specialist" to look at the check.

From there she said she would put a restriction on my account-- money could go in, but money could not come out. I only have had one bank up to this point, and perhaps its all in "learning my lesson". I was told that I could go open up another bank account, or even open up another checkings account with ally and my money could get transferred. Well, now that the "restriction" is on there, it can't be lifted. I am the one that requested it, shouldn't I have the power to lift it, even if just for 5 minutes to transfer my funds to another bank (which I now have)? I have been getting a lot of "no, we can't help you.." answers from them. I need to pay my bills, but clearly I can not.

To be honest, with this headache, it seems like its easier to get $30 drained from my a month then put up with all this "restriction" stuff.


Any suggestions?
Simple:

Step 1: Have you called Loans4me.com and resolved the issue?

Step 2: In the mean time, open another bank account with another institution.

Step 3: Is this e-check or actual check? if it's e-check then Step 1 will resolve it. if it's an actual check , call and cancel all of your checks(someone obviously stole them) and re-order new ones.
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Old 05-26-2015, 01:47 PM
 
1 posts, read 18,301 times
Reputation: 10
hello I have been victimed of a scam of which I told the bank (chase) and the authorities. the bank has told me "theres nothing they can do the money has already been lifted" I wasn't sure what to do, leaving my account in the negatives. so I didn't make any deposits or withdrawal from the bank and afterward they took to out the money from my mothers savings account which isn't joined, however her checking account is. she needs that money and im unsure what to do or if and how to get that money back? they have also sent her a letter saying they may cancel her deposit account. are they allowed to do that?
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Old 05-27-2015, 02:14 AM
 
Location: Los Angeles
2,918 posts, read 2,226,358 times
Reputation: 2450
Quote:
Originally Posted by leadingedge04 View Post
Hello! a few days ago I was looking over my bank statements online. I noticed a check was "written" in the amount of $30.
Just curious what bank this was.

Many years ago I saw a charge for like 4 cents to my credit card when I was with Wells Fargo. It was part of a huge scam at the time. 4 cents time a few million people is a lot of money.
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Old 05-27-2015, 08:07 AM
 
Location: Mount Pleasant, SC
130 posts, read 138,837 times
Reputation: 387
OP was with Ally Bank
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Old 05-27-2015, 09:37 AM
 
12,018 posts, read 9,667,838 times
Reputation: 13420
I think Ally is an online bank, good reason not to use them and a warning to others.
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Old 05-27-2015, 10:48 AM
 
Location: Victoria TX
42,661 posts, read 78,535,466 times
Reputation: 36332
Banks never help, despite loudly boasting protection.. The presumption is that you clicked something on line (or more likely, failed to un-check) that authorized a withdrawal subscription to something or other, and it's your own fault for not being careful.

Write a letter to the Comptroller of the Currency, Treasury Department, in Washington, briefly explaining the circumstance and that the bank is not being cooperative. The Comptroller WILL ask the bank for their side of the story, and banks do not like it when the Comptroller writes to them, and you might get results that way. The bank might rather cover your $60, than to deal with the Comptroller. In many cases, the bank will quickly settle with you and then write back to the Comptroller that everything is now cool.

Last edited by jtur88; 05-27-2015 at 10:59 AM..
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Old 05-27-2015, 10:52 AM
 
22,064 posts, read 16,058,861 times
Reputation: 17124
Quote:
Originally Posted by jtur88 View Post
Banks never help, despite loudly boasting protection.. The presumption is that you clicked something on line (or more likely, failed to un-check) that authorized a withdrawal subscription to something or other, and it's your own fault for not being careful.

Write a letter to the Comptroller of the Treasury in Washington, briefly explaining the circumstance and that the bank is not being cooperative. The Comptroller WILL ask the bank for their side of the story, and banks do not like it when the Comptroller writes to them, and you might get results that way.
The banks never help? Lol well that's not true
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