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@longtimelurker wrote:
@Anonymous wrote:
@Anonymous wrote:
I wonder if they were just testing to see if you would notice and if you didn't then they might have went shopping spree with your cards, or they made the payment so that they could take full advantage of your credit limit.Why make a payment and risk your own money.
Yes, I suspect this is an error of some type. When you saw your old account, were all the purchase transactions yours? Is it possible that they had linked your login to the wrong account, hence the change of email and mailing address?
As Nixon says, it would make little sense to do all that work AND pay money as part of a scheme that might not work.
If you have card info you IMMEDIATELY go out on a shopping spree after making a small transaction first at a self-serve gas station, preferably at night, to see if the card has been reported. That's what my mother taught me and it works every time.
LOL.
To the OP ~ is it possible a family member or significant other could have made the payments?
@Anonymous wrote:
@Rice1o5 wrote:No the payments werent made from my bank account.
Lol yea i figure at this point i did what i was supposed to do immedietly after noticing it. I almost feel at this point i should count my blessings and keep it moving! haha
Did you call your bank? Tell them it was fraud & they will refund your money. I would ask Cap One to fax them the info. Shouldn't be a problem. And all the more reason to check our accounts daily to make sure nothing is fishy!
He has no reason to call his bank. He's not out of any money. Re read his posts
Nope no way possible. Also i want to mention I reside in Colorado. The person who did this is in Florida.
@Anonymous wrote:
Florida, there's only one explanation for this, some rich old person without heirs is dying so they wanted to spread his or her wealth before death, and decided to call cap one and asked if he or she could randomly pay for people's bill.
You are nuttier than I thought.
Okay, you caught me! No, seriously, if they didn't come from your bank account & came from theirs or maybe someone else's, then I would just call the bank & change everything. Kind of like you did with cc's. Well, someone had 500.00 deposited into my checking account with some type of pay day loan. Still can't imagine reasoning behind these actions? Hope everything works out for you. I still have one more inquiry from that loan on my EX report to get deleted. Sorry guys! I didn't read through the entire thread!
@Anonymous wrote:Okay, you caught me! No, seriously, if they didn't come from your bank account & came from theirs or maybe someone else's, then I would just call the bank & change everything. Kind of like you did with cc's. Well, someone had 500.00 deposited into my checking account with some type of pay day loan. Still can't imagine reasoning behind these actions? Hope everything works out for you. I still have one more inquiry from that loan on my EX report to get deleted. Sorry guys! I didn't read through the entire thread!
??/ Call what bank? The OPs, and say someone made a payment from a different bank so I need to change everything here? I guess if you suspect some identity theft, but again this behavior looks too unlikely to be deliberate.
I agree that it’s probably an error (in your favor) on the part of CapitalOne. However, an alternate hypothesis is that someone was using your credit card information to qualify some stolen bank account information. A thief using a compromised bank account to pay for a compromised credit card. Were the payments large or pretty small? A fraudster would probably use small transactions of a few dollars to see if the bank account was active and funded.
The way i see it, it was a stolen idenity thing. Because this person had my SSN to make these payments. I have already put a fraud alert in with equifax, transunion, and experian.
One payment was for $600.00 and the other payment was for $497.44