My wife had her SSI check withdrawn without her authorization but unknown individuals in 7 separate transactions on the same day within minutes of one another at a tune of over $500. Now, here is the kicker as we live within the US and the transactions took place in Italy and we were the ones that spotted and were never called by anyone. The same day these transactions occurred in Italy we were using the card as well at the same time in the US. Wondering how that is possible, so are we.
The Bank never noticed anything unusual and that is simply incredible. Within hours of these transacvtions we notified the bank and cancelled our card. This is where the horror show starts because the terms and conditions state that if we suspect fraud all we need to do is contact them and we assumed they would take it from there. Wrong. None of the transactions had been settled yet and we were asked to call every day and inquire if they had been, and then and only then would they investigate.
They said they would send a form to us via regualr US mail so we could fill it out and document the facts and send it back to a PO Box in Texas. Does this sound like they are taking this matter seriously to you. Fax machines are not that expensive and had they used one we could of filled it out and got it back in 20 minutes. We were told we get it in 5 days and of course it would take another 5 days to get it back to them.
The morning this all occurred (day 1) we did what the terms told us to do and that was to call them. On the second day we were told to file a Police Report because that would look better if we did so. I guess they would take us more seriouly with a police report. Remember the same day transactions by my wife took place in the US and at the same time someone else was making transactions in Italy. They never noticed anything unusual at all. Whats that tell ya?
We have talked with 5 people so far in this process and the first 3 people gave us different answers to questions we had than the previous person (s) wher their info was wrong. Here we are with no money to pay the rent on 4/01 and we are playing paper shuffle and phone tag trying to find out more detail on the provcess.
Again, all we were required to do was call them but we feel like we have done all the work because at this point they have done nothing and we have no clue when we are going to see my wifes funds. They gave us 3 differnt versions to when we might see the money back in her account and even those responses were weak.
We are not sure what the words mean by settled but they could not do a thing within hours of these transactions coming through until they were settled. Its like we all sat around waiting for them to clear and then and only then could they start investigating. This experience is upsetting and very disturbing that US citizens will eventually be mandated to use this outfit for SSI benefits vs the goverment mailing out checks. When this is resolved the card will be cancelled because talking to them made my wife feel like she was a victim again and they did not care less.
Think twice before you get into bed with these people beacuse your end for a rude awakening. We have to call in the morning 6 th phone call to learn if the other 3 transactions settled. Today at least 4 did and 3 did not. Why are calling anyway? Know one has called us. Not even to inquire how you can make transactions in two different countries at the same time. I will post the outcome but expect a very, very slow update because spped does not appear to be a factor with them at all. Disgusted
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