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A young couple in Melbourne claims their bank is making up a personal loan they do not understand.
Ashley and Cameron noticed a $4000 personal loan in their joint account in December of last year, but they insist they did not apply for this loan.
“After we realised that neither of us had applied for the loan, we called the bank,” said Cameron.
Cameron went to his local Commonwealth Bank branch because he suspected fraudulent activity in his account. He claims that a branch manager quickly attended to him. Meanwhile,
Cameron says a hacker was also withdrawing money from his account. He clarified that while the bank refrained from freezing the account, they did inform the fraud department about the suspicious activity. However, bank statements revealed that the purported hacker had channelled funds to individuals with whom Cameron had past financial connections.
The descriptions of the transfers included instructions on where to send the money, such as
“You can keep $50. I need you to transfer $250 to 04********_. It’s for work. I’ll call you soon to explain.”
Luckily, Ashley and Cameron could recover most of the money because they sent it to their family and friends.
Ashley praised the excellent assistance provided by the branch nearby and stated that they didn’t encounter any problems.
“Since the fraud department took over, the situation has become more complicated. They have accused us of fraud, claiming that we took out the loan and are responsible for it,” Ashley said.
If there was a loan between Ashley and Cameron, a loan application must have been made. However, Cameron stated that their request to see the application was only allowed if they had a subpoena.
Ashley and Cameron are currently repaying their loan with interest, but they are worried about how it will affect their credit history. Their main goal is to save as much money as possible because they plan to refinance their new home later this year.
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