Neteller collecting from me even though i was defrauded!

[dvp95]

What is the name of your state? Colorado

Back in October, someone went into my Neteller account and transferred out $816.75 to their Betsson account using the instant cash option. I dont have a Bettson account. I saw it the day it happened and checked my bank account and the money was still there since it was a friday. I called up Neteller and told them about the fraud issue and the cancelled the account. They said to speak to investigations on monday.

Monday comes and i cancel my bank account. I call up Neteller and they say that it doesnt look like fraud from their side cause somehow the IP address from my logins and the IP from the transaction in question were "the same." I dont know how thats possible since no one uses my laptop and no one knows my password. They then said that the investigation is closed because there was no fraudulent activity.

A couple weeks pass then I get a letter from Neteller saying that I need to pay them the money. I emailed them saying I wanted to know the name of the account that the money was sent to since I dont have a betsson account and after a lot of emails all they could give me was the neteller transaction number. I emailed Betsson and told them the story and they actually gave me the name of the guy on that account. Since Neteller says the login is the same I expected to find that person at the campus I go to since I go to school on an island but I couldnt find his name in the directory.

A little while passed and now I just got a voicemail from a Collection agency (Joseph Maan and Creed). Im not paying a dime to them. Awhile ago I spoke with someone from the police department in my home state but he said he couldnt do anything cause the guy is most likely here and out of his jurisdiction. All I really care about now is getting my loans to go to school. I take out 50k a year and have ~760 credit score and dont want it to go down cause i need my loans.

Can someone tell me what to do? I want to dispute it but not sure how. I havent called back the agency back yet and just emailed the detective back in my home state to write a report so i can use that to dispute with the credit bureaus.

Whats the worst that can happen and how long does it take before it goes on my credit? I dont have time to deal with this crap. I need to study! If these people werent so retarded they would see that my name is not the same freaking name as the name on the account where my money went to.

[Ladynred]

If these people werent so retarded they would see that my name is not the same freaking name as the name on the account where my money went to.

Umm.. anybody can set up another account under an assumed name.. the fact that the names are not the same means NOTHING to the bank.

As for the IP address investigation, that sounds like it didn't and probably couldn't go deep enough. If you and this other person used the same network, that is behind the same firewalls and routers, you and 100 other people COULD conceivably have the SAME IP address. Where I work, there is ONE outgoing IP address to the world - that of our corporate routers/firewalls, so me and about 1,000 other people in my area would appear to have the same IP.

If you know who this other person is, you need to file a police report where HE is. You may have to pay this thing yourself and then sue this other guy, and you might get some of your money back. You definitely need to file charges.

Welcome to the real world, you are going to have to deal with the CRAP whether you like it or not.

[dvp95]

Thanks for the reply. Do you know anything about how collection agencies work and what will happen if I dont pay? I know that I can dispute this with the credit bureaus but Im not sure what the collection agency will try and do. That name is the only information I have about the account where the money was sent to. I tried to get other information but they said they couldnt release anymore until I had a police report, which I am working on. Will a collection agency still go through with trying to collect money even if there is a police report? Sorry, I dont know much about legal matters.

[Ladynred]

Will a collection agency still go through with trying to collect money even if there is a police report?

Yep, they sure will. Until you provide rock solid proof of the fraud they will hound you to pay up. Even after proof, some of them will just keep trying because they have you already. Depends on the CA.

Do you know anything about how collection agencies work and what will happen if I dont pay?

For such a small amount, you may not get sued, although some will sue you for less. Since this is also the first CA, they are likely to hound you hard for a while, most will not continue to try to collect if they can't turn it over in a short period of time. If that happens, they'll sell it to another CA or junk debt buyer...and the circus begins again.

[debtcollector`]

OP this is what you need to do:

1. Write a dispute letter to the CA immediately. You have 30 days to dispute the account and demand validation. Make the letter short and sweet. Just give your name, address, the account number and a copy of whatever they sent you and state, "I dispute this debt as fraud. Please provide validation under the FDCPA."

2. Send the letter certified to the CA.

3. Physically go to your police department and file a report. If they try to give you a run around, just tell them you understand that they may not be able to do anything, but you want the incident on record in case they can or it happens to someone else.

Don't leave until the report is made and you have a copy of the report number.

4. Save everything related to this. Every email, every letter and make notes on every telephone call. If and when it comes to court, you will need that evidence.

DC

[dvp95]

Thanks for the help guys. Only problem right now is that im out of the country going to school and not going to be back until May. Only way I even heard about the Collection agency was when I called my cell phone back in the states to check messages. There a way I could dispute with them somehow online or through email cause the mailing system sucks to say the least out here. About the police report- I have been in contact with a detective in colorado and he said awhile ago that he could write a police report but that no further investigation would be done. I just emailed him to go ahead and do that so ill see what he says.

When you write a letter to dispute the debt, how do they usually reply and what do I do after that?