by Sam Hossler
I am deviating from my usual history article to bring you a warning and short story. I just noticed, it’s been four years since I wrote anything on this page.
It all started on or about May 2, 2017. My computer screen suddenly flashed a warning there was a virus and I needed to call Microsoft at the number listed. I called the number and it was answered as Microsoft but with a definite India accent. That should have been my first clue, but it wasn’t. For $159 they could clear the virus and make the computer like new. Three hours later after they had been fooling with the system it was declared fixed.
Flash forward to May 17. I received a call that they shouldn’t have charged me and would make a refund. The refund could only be made by depositing the money in my local Sun Bank account. Again I should have seen a red flag, but didn’t. The company calling was Bulwarkantivirus.com, and that was where my credit card showed the payment went 15 days ago. Now my stupidity really took over, I opened my bank page on the computer so they could deposit the refund. Suddenly the screen went in a herringbone pattern. When it cleared my checking account showed a deposit of $6000 on one credit card and $2000 in another. “Oh,” the caller said, “they made a mistake at the Indonesian bank. You will have to return it.”
Suddenly the light came on and I knew I’d been scammed. My bank was closed so I couldn’t draw the money out and deposit it in Bank of America, Ashwani Kumar Mehta’s account, which is what the caller wanted me to do. He even gave me the routing number and account number 138120392256. First thing May 18 I was at my bank explaining there was $8000 in my checking account and I wasn’t sure how it got there. A quick check and we found my credit cards had cash advances made for these amount and deposited in my checking account. Immediately the account was closed and all credit cards canceled. A new account was opened and new credit card ordered. We thought the two cash advances were returned to the bank and fraud charges started. Next day was Saturday so the bank was closed but the $8000 still showed in my account and even on Monday morning it was still there. Back to the bank.
A different person helped us this time and found the money had not be returned but the new account and credit card were ordered. Again the fraud dept. was contacted. But to late, the credit card statements were in the mail one showing $244.39 in fees and interest on one and $82.93 on the other. On June 6 I received two letters from Sun Trust fraud dept. saying since I had withdrawn my claims no other action would be taken. I immediately called fraud and advised them I had not withdrawn my claim and want it expedited.
On June 7 I visited the bank branch manager who called fraud and was told they were escalating the claims and would have news in 3 to 4 days. Within that time frame the $82.93 charge was dropped but a $13 credit showed on the card. No one seemed to know what the credit was for. It could have somehow been confuse with a payment of $16.92 I had made against the credit card statement as it was an honest charge. Although the statement showed three charges I had previously paid two of them the day before the statement came out on paper.
On June 2, I called the fraud dept. again and was told they would escalate the claim again. On July 12, I called the fraud dept. again, finally got a supervisor and explained the whole situation from start to date. She told me the claim had been sent that morning to the credit card dept. to release the fees and interest. On July 13 I received a call from, I think the card dept., and was told they were sending everything to investigation and as soon as they had any news she would call me. How many times has it gone to investigation, I lost count. A payment for fees and interest was due on July 14 which she said to pay the minimum and when the claim was cleared I would be reimbursed. The minimum payment was made. Now, July 14, checking my statements on line I see the $13 credit is gone, no explanation just disappeared. That leaves that card with zero balance and hopefully it will be canceled by the bank. The other card still shows a balance of $258.28 after my $30 minimum payment.
So we wait for the next chapter of dealing with Sun Trust. Could it be another two months before we hear?
July 18, 2017 – This morning I opened my on line bank statement and see the $258.28 charge is gone but a credit for the $13.08 was now showing. So after only two months I am almost cleared, except for the $30 I paid on July 14. Received a call from Carrie telling me the case had been resolved and the fees and interest had been dropped.
July 19, 2017 – I called fraud and was told the $30 would show up on my next bank statement.
July 21, 2017 – Received a check from Sun Trust for $13.99 as a balance refund on card 7751.
July 22, 2017 – Opened my bank statement and see there is still a credit of $13.08 showing but nothing on the $30.
July 24, 2017 – Called the credit card dept. and finally got card 7751 canceled.
August 22, 2017 – The Aug. credit card statement is posted and no mention of the $30 payment to be applied against the fees and interest charged originally but the $13.08 credit is still there.
Called fraud immediately who transferred me to the credit card dept. After I explained my problem they looked into the matter. She said that the $13.08 credit showing up on my statement is what is left from my $30 after the charges for dropping the interest and fee charges. I had thought there wasn’t going to be any charge for this, wrong. I then ask what the check for $13.99 had been for. Well there doesn’t seem to be an explanation for that except it may have been money left over from the card that is now canceled. Didn’t know there was any left over.
Remember this has been going on since early May. I’m ready to throw in the towel, but since I got $13.99 in a check and a credit for $13.08 on my credit card statement I have received $27.07. Okay I’m out $2.93 I’ll settle for that just to get this off my desk. Of course I’m not counting the $300 I paid to have my computer scrubbed nor the original $159 the Indians scammed me out of originally.
It has been a valuable lesson, please take heed.