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Bank of America EDD Debit Card Scammed for $10,000

Discussion in 'Banking, Finance, Investments' started by PR660, Nov 8, 2021.

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  1. PR660

    PR660 Law Topic Starter New Member

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    Jurisdiction:
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    My sister, a very hard working waitress for over 20 years, was at the grocery store (11/06/21) buying a few ingredients she needed for a new dish she planned to prepare. The total was around 14 dollars. She used her Bank of America EDD Debit card for the transaction and she oddly had a payment remainder of around $7.00???

    She freaked out. Knowing that she had nearly $10,000 in the account, she called the number on the back of the card. I listened as the interaction was being amplified via speaker. After about 35 minutes of hold time, she spoke to an agent who gave her the “3rd degree,” asking all sorts of security questions, etc, some of which she was completely puzzled by. I assisted. She (we) answered all the questions and then explained what had happened.

    The agent was completely unempathetic, not even the slightest bit sympathetic nor apologetic. My sister was treated as if she was the actual scum-bag scammer. She was issued a new card and was told to wait for a confirmation letter which should be arriving within 14-60 days.

    The online functions of the EDD card do NOT permit her to transfer funds, however, the low-life scammer was apparently, able to do so:

    STATE OF CA EDD UNEMPLOYM 10/23/2021

    $ -5,000.00 Direct Deposit Funds Transfer to checking/savings

    STATE OF CA EDD UNEMPLOYM 11/02/2021

    $ -4,800.00 Direct Deposit Funds Transfer to checking/savings

    STATE OF CA EDD UNEMPLOYM 11/02/2021

    $ -180.00 Direct Deposit Funds Transfer to checking/savings

    We don’t know if she’ll ever get reimbursed. Moreover, the anxiety, frustration, inconvenience and grief from the whole ordeal should additionally have a punitive price tag.

    Is there legal recourse that could be instigated on my sister’s behalf?


    Thanks in advance!
     
  2. adjusterjack

    adjusterjack Super Moderator

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    Over-react much?

    Never gonna happen. For one thing it's not the bank's fault that she got scammed. For another, it's the employee's job to question her at length to make sure she's not the one doing the scamming.

    She's just going to have to cooperate with the bank during the investigation.

    By the way, has she read her account holder agreement to see if there are things she has to do that she hasn't done. Like maybe putting the claim in writing and sent to the proper place. If she doesn't follow procedure (in spite of the call) the bank will have no responsibility.
     
  3. zddoodah

    zddoodah Well-Known Member

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    Sure. If she can figure out who did this, she can sue him/her.
     
  4. adjusterjack

    adjusterjack Super Moderator

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    And I hope she's already reported this to the police.
     
  5. army judge

    army judge Super Moderator

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    The funds taken from her account ended up in another account.

    If her notification to the card issuer was done according to the rules and in a timely manner, the THIEF should be revealed rather quickly.

    The victim should contact the state agency and follow the directions as to how one should report fraudulent activity on the EDD card.




    EDD warns customers after several reports of text message scam




    2 On Your Side: Latest EDD Scam Targeting Out-Of-State Residents Via Text





    Fraudulent Charges Appearing On Bank Of America EDD Debit Cards Of 350,000 Unemployed Californians



    https://www.edd.ca.gov/pdf_pub_ctr/de2360tf.pdf




    Debit Card | California EDD



    The EDD Actively Prosecutes Fraud | California EDD
     
  6. PR660

    PR660 Law Topic Starter New Member

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    The scam took place 10-23 and 11-2. My sis didn't notice (and notify) until she was in the store on 11-6... Too much time lapsed.
     
  7. Zigner

    Zigner Well-Known Member

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    Why do you believe that too much time has gone by for sis to report the fraudulent activity?

    Why don't you have your sis log on to ask her own questions?
     
  8. adjusterjack

    adjusterjack Super Moderator

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    Maybe not. All of my accounts give 30 days to notify the bank of fraudulent activity.

    Yeah, that.

    Doesn't work well sending information back and forth through a middleman.
     
  9. PR660

    PR660 Law Topic Starter New Member

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    1) The initial post stated she reported the activity after the grocery store "enlightenment."

    2) My sister has been a waitress for over 20 years. She has no interest in the PC or these forums. Her Internet experiences are basically watching communist China owned TikTok, and sometimes, Instagram videos. She is kind and generous, loves animals, but has no intellectual curiosity whatsoever.

    BTW, she is my step-sister. I have no biological relation to her.
     
    Last edited: Nov 9, 2021
  10. PR660

    PR660 Law Topic Starter New Member

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    Could you please explain what the difference would be as an advocate on her behalf?
     
    Last edited: Nov 9, 2021
  11. Zigner

    Zigner Well-Known Member

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    Didn't you ever play "telephone" as a kid? Details tend to change with every retelling.

    I would suggest a little bit of patience. As of this moment, it's been less than 3 days since this was discovered and reported. Have your sister keep in touch with the bank about the matter, but don't expect that it's going to be corrected overnight.

    Also, your sister can authorize you to speak to the bank on her behalf. Ask the rep at the bank how to do that.
     
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  12. PR660

    PR660 Law Topic Starter New Member

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    1) Yes. 'Telephone' was a fun game and the outcome was dependent on the memory and IQ level of the participants. Be informed, once again, that I was there listening during the original presentation. I have photographic/audiographic memory.

    We don't expect it to be corrected overnight. And, yes, I am currently speaking to the bank on her behalf... Thank you for your time.
     
  13. cbg

    cbg Super Moderator

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    And so, you expected a message board to be able to do...what?...that wasn't already being done?
     
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  14. PR660

    PR660 Law Topic Starter New Member

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    This was in the original post:

    "We don’t know if she’ll ever get reimbursed. Moreover, the anxiety, frustration, inconvenience and grief from the whole ordeal should additionally have a punitive price tag.


    Is there legal recourse that could be instigated on my sister’s behalf?


    Thanks in advance!"
     
  15. Zigner

    Zigner Well-Known Member

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    No
     
  16. PR660

    PR660 Law Topic Starter New Member

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    Ok! here we go. My sis got a call today and was reimbursed the 10 grand. Yipee!!!

    Thanks very much US Taxpayers!

    She was told to activate the new card and we did this over the phone while driving at around 2:15 PM. We asked and were then transferred to a rep where we asked how to transfer the money out of this extremely RETARDED account.

    We were told we could transfer $3000 per day by calling the same number with routing #, acct # and card #. Ok. Fine. It would take 4 days and 4 phone calls...

    Within 45 minutes, we went into the account and noticed a transaction (3:05 pm) for $3000 that was completed into the same SCUMBAG'S account.

    This is nuts! I think B of A and/or EDD should hire some smart 4th graders to figure out what's up...Anyone agree?
     
  17. Zigner

    Zigner Well-Known Member

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    You are vile.
     
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  18. CindiW

    CindiW Member

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    I am glad to hear your sister got reimbursed. Despite what someone here may call you, I don't think you're vile at all. Sorry that you had to endure that. I have been going through something similar and I came to this forum to ask a few questions as well but read this thread first. Many of the bank personnel do not know the answers but will say something to get rid of you. Especially the "customer service" people in the branch i go to. (I intend to change asap.) My account has been hacked, request for reimbursement denied, I did report it to police but have questions about that which is why I am looking at the board. Again, glad your sister was reimbursed, and I understand your attitude perfectly. Sad that so much crime is taking place. We don't have much, but again -- a crook took over $1,000 from our account and bank fraud department won't reimburse. It's insane, I finally called police and they're investigating but -- that's not to say the right action will be taken. Anyway, congratulations again that your sister got reimbursed.
     

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