I got this welcome packet from Truist bank. Which was weird because I never opened a bank account. After a few calls it turns out that someone opened a checking account at BB&T (which is one of the banks merging into Truist bank) in June 2020 and deposited $500. It was flagged for fraud almost right away and locked. I went into the bank and reported it. The account was opened online via Venmo. There is still $460 after fees in the account and never any transactions. They're going to send me a check. ¯\_(ツ)_/¯ So what's the angle here? I haven't had any fraudulent CCs in my name since 2013.
Did they cash a fraudulent check that probably bounced after the account was locked or closed? Otherwise I have no idea but I sure as **** wouldn't cash the one you're being sent. Just me...
What a coincidence! Some Nigerian prince stole $500 from me after I transferred the money from Venmo. Maybe you could, uh, help make things right and just give that money to me.
I was talking to a buddy and he postulated two things: Maybe my Venmo got hacked and it was my money that got sent. So I checked the history at Venmo and PayPal (since they own Venmo) and no transactions on those dates, certainly nothing for $500. He said that his security IT guy at work mentioned that this is done for hacking R&D, hackers try to find chinks in a bank's armor this way. It doesn't really explain why they put in $500, though. Maybe there was an intro bonus and they were trying to double-dip before they got flagged. Funny jokes in the thread.
as long as you don't call the number when someone gives you a business card with a circle, triangle, and square
If it's opened via Venmo it could be someone opening a business account profile with your information. Sure you haven't had any fraudulent CCs since 2013 but that doesn't mean your SSN isn't out there in the open. Unless you changed your SSN since then, your information is still valid and is available through various channels.
You can but it then becomes an insane process of getting all of your information updated (CCs, bank accounts, basically any account that has your SSN attached). The benefit, of course, is that you shouldn't run into these issues in the future.
I haven't heard about this but it's real easy to steal your identity or account access. The info is out thereand you cant do much about it except check your credit report, enable MFA, and restrict access to your phone number (give a secondary like Google Voice instead). Welcome to the future
Take every dollar you can out of that bank Open an account at a real bank (I do like that these guys are in Charlotte, one of the banking meccas of the US) This whole company of yours sounds fun: https://www.truist.com/your-merger-guide
