So on Monday, I got an email saying that a member to member transfer account was established on my account. I knew I didn't do it of allow anyone to do it, but I actually thought it was a spoof email to get info. I closed out the email and I called NFCU directly. After confirming my identity, the rep asked me if I just applied for a loan that day....I said no and she said she needed to transfer me to the fraud dept.
I got transferred, and I find out that a member to member transfer was set up and my checking and savings were cleaned out! They sent me an email with a fraud form and I signed and faxed it back from work. He tells me that my account was logged into by an iphone, and that he froze the other account, but that the minute the money from my account hit it, it was transferred out. He also told me that the loan they applied for was denied. They closed my accounts and opened new ones with different account numbers.
So my checking account was left with a -.02cents balance and my savings was left with $5. I had a bunch of bills scheduled in bill pay....which the bill pays couldn't be stopped, so they went out and I just got notification from NFCU that they were all returned, because the account is closed. What do I do now??? I don't want my credit to suffer from something I have no control over! I still can't figure out how they can let someone set up a transfer account and move everything out.....that should send up some red flags! I mean, heck I have to jump through hoops to get info on my own accounts.
I need some advice....what do I do next??? Call my creditors and tell them I have been hacked??? I just got a car loan last week, so it seems awful funny that after the dealership applies for loans on my behalf, I get hacked and start getting phone calls about credit card interest rates and other crap all of a sudden. Also, how long before they give me a credit back to my account....they said I wasn't liable for it. I have to pay my bills!
