online merchant able to access my personal info with only bank/routing number?
Aug.31, 2008 in
Personal Finance
Bryce S asked:
I signed up for a merchant using a fake name/address. Someone bought something from me, then decided that ‘the product doesn’t fit the description’. I have since cancelled the bank account used with the merchant. However, the merchant tried to do a chargeback, and failed because the account is closed. Can the merchant find out my info that is associated with my checking account? Or can they just use my fake name/address I used when i signed up?
so the merchant, under no circumstances, could see my name/address with just my account/routing number?
I signed up for a merchant using a fake name/address. Someone bought something from me, then decided that ‘the product doesn’t fit the description’. I have since cancelled the bank account used with the merchant. However, the merchant tried to do a chargeback, and failed because the account is closed. Can the merchant find out my info that is associated with my checking account? Or can they just use my fake name/address I used when i signed up?
so the merchant, under no circumstances, could see my name/address with just my account/routing number?
September 2nd, 2008 at 6:30 pm
Dishonesty doesn’t pay. All they can do is debit your account. For privacy, the Fed (which administers the Automated Clearing House (ACH) system) doesn’t allow for that kind of information to run through the network. Only the amount, merchant info, routing number and account number go through.
Closing the account certainly doesn’t help.
Using to false identity to purchase something may qualify as mail fraud. You’re going to have a hard time explaining this one.
Reopen the account. Have them resubmit the chargeback. Withdraw the funds. Reclose the account. Thank the banker for their assistance.
September 5th, 2008 at 2:42 am
sure they can… as that information is specific just to you.
It would appear that you have committed fraud and dont want to pay for it. Shame on you…