A company based out of Dallas,TX has somehow acquired my account number and has charged me for 26.90.That 26.90 has put me into a deficit of 35 additional dollars. I live in North Carolina and have never heard of this company, never authorized any charges for anything, and never been contacted by them.I have attempted several times to call them and I receive no reply.I left several voice mails and for a company that says on the phone that it's hours are 9-5CST, I find it quite disturbing that no one in their customer service department is available every time I call. What can I do? Also, my bank has already taken 277.68 from my monthly disability check of 541.00. So I have to get by on 260 this month? How's it legal for them to garnish my wages like that? Shouldn't only the IRS have that power? Would a suit stand in court against my bank because of this garnishing of my wages?
Contact your bank and tell them that it is a fraudulent charge
Contact the bank and inform them of the disputed account if it an ACH or Debit transaction and they can investigate and issue a temporary credit and new account number if applicable. As far as taken 277, it depends what for. If it is to pay legitimate fees, yes they can collect the funds. As far as suing, you probably could, but all you would be eligible for is the 26.90, the 35.00 fees that were caused by it and any filing costs for the suit. Not worth it probably. If its truly illegitimate activity the bank will pursue fraud charges
Whenever you have an unauthorized charge on your bank account you should notify the bank and tell them that the charge in question was not authorized. You have 90 days from the effective date of the charge to have it reversed by the bank.
