How to Stop an Internet Source From Charging My Bank Account
- 1). Call the company that is charging your account. Cancel the service or purchase and tell it to stop the charges from going through. Ask that a document verifying your request be sent to your email address. That way, if the charges don't stop, you will have proof that you canceled your purchase and when it was done.
- 2). Request a "Written Statement of Unauthorized Consumer Debit Activity" form from your bank. Fill in your name, account number, the date and the name and address of the online source that is making unauthorized charges. Also fill out the amount that was charged to your account and all sections that apply. Sections will include past transactions, stopping a single transaction and stopping all future transactions from the company in question. Return the form to your bank as soon as possible.
- 3). Contact your bank right away if an unauthorized charge takes place. Request a bank fraud investigation. The fraud department will review your claim and carry out an investigation to recover your fraudulently charged funds. Make sure you respond to any inquires regarding your case promptly. If you don't respond, the case could be closed in the company's favor and your funds will not be returned.
- 4). Place a credit freeze with all three major credit-reporting bureaus---Equifax, TransUnion and Experian---to make it impossible for online sources to gain access to your credit and commit online fraud.
