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So, I'm mostly posting this to vent and because my Credit Union is closed until tomorrow morning. Any help is really appreciated though.
I use a local credit union because my main checking/savings bank doesn't have any physical branches nearby. I basically dump a bit of money out of every paycheck in there with direct deposit to keep it open, and to have some less accessible money sitting somewhere. I never really check it, as I don't have checks or a debit card for the account, and I figure one day when I need a few G's it'll be sitting there.
So today I'm checking the year's statements, and notice that in late November there was a $220 fine listed as "VERIZON - PAYMENTONE / DEBIT ACH." This is weird, because I have nothing with Verizon. What the fuck?
My plan is to go in tomorrow to a physical branch and cry fraud, and also bullshit. The whole reason I didn't even get a card/checks is to avoid situations like this. I know they're smaller than other banks, and probably don't have the fraud prevention of a BoA or USAA or something, but there's 0 reason for me to park a bit of cash there if I have to deal with this stuff. I'm worried because I hope it's not too late to get my money back, but also because I have no idea how this happened. A quick Googling shows that PaymentOne does scam a ton of people, but how'd they get my savings account number? One which has no cards/checks/bill payments linked to it? When I have absolutely NO Verizon account?!