The bank called and was questioning a couple of purchases that I made that morning. They declined one of them. I went online while she was talking and saw what she was talking about. I had attempted to purchase a download from an online business for $1.97. After putting my debit card in the blanks, I noticed in extremely fine, faded print that they were going to charge me $9.87 for this transaction. I thought that was strange, so I back screened to the previous page where I had selected the $1.97 and pressed enter. It came up with the page to enter your credit/debit card and again I typed it in and again saw the $9.87 charge...but had still not pressed enter or the "next" button.

God was screaming in my ear and telling me that there was something wrong. I thought maybe it was my nerves because I was sitting in the McDonald's parking lot passing time before an important appointment. Listening to my gut instinct, I stopped with the purchase and deleted the screen.

Meanwhile, these scam artists were able to pull my debit card number off of that screen...even without me hitting enter...and they charged me $9.87. Next, they charged $39.95 but the bank cancelled the transaction (Thank You, CHASE bank!!!) and then later in the day, the bank called me about the transactions. The bank gave me the number to the business and asked me to call them to get them to reverse the $9.87. I said, "yah, right, like they are going to do that after they have scammed me." Called that business and they said they had no record of me making a purchase. Even before I got to a person on the phone, all of the recordings sounded fishy. Then the business said that the only way they could reverse it would be if I faxed them a copy of my bank statement. "okay, you screwed me over once and now you think I am going to send you more of personal information so you can empty my bank account (I have maybe $10...but they don't know that.)

So, I called the bank back and they recommended that I immediately go in to a branch, cancel my debit card, order a new one (10 days to wait for it) and get a temporary ATM card to use till then. This idiot online company basically hijacked my debit card with my help and as long as they had the number, they would have continuous access to my checking account. I usually don't fall for scams but fell right into this one. They probably made the first transaction to see if the card was good and then went back for more. I am so grateful to Chase bank for stopping them. I am so grateful that God stopped my from moving forward on that online page and also for making me answer the phone yesterday afternoon. I wasn't going to pick up, because the id said caller UNKNOWN, but as it rang and rang, I felt an urgency to answer this one. I never answer unknown listings.

On my checking statement, the charge is listed as MP3-payment.com, but on their web site, they were called nowdownloadall. com I wish I knew how to write up negative reports online so that if someone searches the company before they put their card in, they will know they are scam artists.

I guess if I had used a credit card, I would have been more protected as I may lose the $9.87. By using a debit card, they can just wipe out your bank account. I don't have a credit card. Scott made me close my credit cards a long time ago. I have one that the credit union forced closed stating I have bad credit.

Hope my bad experience is a lesson to others.