all4cost, i do understand where you are coming from, but
I don't know if anything like this has ever happened to anyone here, but
a cupole of weeks ago i recieved a call from a guy who said he was a travel agent, he spoke for about 5 minutes before i got 2 words in, as he was talking he told me that i won a $400 travel package for openig up a new account with MY BANK, he knew the routing number, my name, and adress to the T. when he got done speaking, i told him that i was not interested, and he is like, why? its totally free. so i listened to him for about 3 more minutes, he at the end asked me for my social security number, and bank account number, that he needed to VERIFY it before he could send me the package, i once again, told him that i was not interested, he started arguing with me, instead of hanging up i was waiting to ask him what travel agency he was from, and what his name was, and then he just hung up on me.
i callled my bank to see if they actually did have any of these promotions going on
they said that they did not, and any promotions they had going on that was in affilliation with any other company, we would recieve contact from the bank itself, not there affiliate.
they reported it as fraud.
my only question, is how did this happen?
i just recently finished my website and signed up for an account with my bank, there is NO transactions in my bank account except from me testing my site and sending myself money through paypal, i have had no customers, no purchases, i do not have a debit card yet,
my bank told me to call paypal to see if there is anything weird in my account.
i logged in and checked myself as i was on the phone with them, looked fine from my end
they told me that there was nothing wierd going on......
i asked myself..
HOW ELSE WOULD THIS HAVE HAPPENED???????????????????
questions i was aked...
1) Do you have a domain name registered in your name? The Who-is records are public It would be fairly easy to get your name and address from that source.
i did not know this, yes, now i do.
2) The bank routing number is probably easy to get as well... as long as the scam artist knows where you bank. How would he/she get that info? Not a clue, but it could be an "inside" job... someone at the bank leaking info. Possibly someone - not necessarily you - carelessly disgarding sensitive papers (always shred bank statements!). There have been horror stories about boxes of school records, bank receipts, etc (you name it!) being just left at the curb for trash pickup.
not at all. have never used the account.not at all. the onlt time i have ever used my bank account is with paypal. and the only thing i used it for, was to send money from my savings account that is in my personal paypal account to my checking account that is in my business paypal account. i recently opened up both of these accounts last week. i have no checks to write yet, no debit card yet, nothing. i have not even gotten a bank statement or so much as walked into the bank and withdraw money. the only time i made a transaction was when i opened it and put my initial deposit, and testing it with paypal, thats it.
3) Since you've alerted your bank, see if PayPal is willing to monitor your account somehow. Also, consider changing your PayPal password!
did all this.
ok, i got scared, shut my bank account down, emptied my paypal account. 4 days later, i recieved an email, not sure if it was the same person or not. this email told me that i had won a subscription because i had opened up my bank account. i deleted the email, and have not had any accounts open since.
so, i would rather lose the business that is worried about me, then continue to get harassed, and be scared.