<prompt> Human: Hello, Please remove if I am violating rules. I recently received 3 letters in the mail from Bank of America stating that they were going to be closing person on the phone called it BLOCKING my 3 credit cards. The card stated that I had repeatedly attempted to make payments that were returned for insufficient funds. I just made payments to all three accounts three days ago, but I had not checked my statements electronically. I just made the payments without looking at previous transactions online, and the balance reflected looked right on all three cards. Here is what I found out after doing digging. - One of my cards had two ATM Payments made to the account. one payment on 315 for the sum of 380.00 and the next on 323 for the sum of 800 dollars. I did not make these payments at an ATM. BofA was also charging me 27.00 for the returned payment. - The other two cards did not reflect any suspicious activity; however, BofA still closed those accounts as well. - My Fiance and mylself are both on the account for the credit card that had the suspicious payments. We used the credit card after the insufficient payments on 327 for the sum of 90 at a restaurant and the transaction when through. I also immediately made a 90 dollar payment on the card after swiping it because I wanted to get points for the transaction and pay the dinner bill off. When I recieved the letters in the mail, I franticly started looking for my credit card, and I realized I did not have it in my possession, and the card we swiped for dinner the last time we used it was my fiances copy of the card. I assume I lost my card, it was found, and somebody attempted to use it at an ATM; HOWEVER, the attempted to make a payment on the card of rht sum of 380 and 800. Why would anyone find a card and attempt to make a payment on the balance of the card? They didnt attempt to buy something with my card, they attempted to make a payment to lower the balance of my card. Is there a scam I am missing? I am confused by this. I am calling BofA tomorrow after speaking to two reps who stated I would have to call an Existing credit line that Is not open at the moment. I believe that BofA probably attempted to call my phone to alert me; however, i was not answering odd numbers because I signed up for information on a couple of sites inquiring about MBA programs at some schools, and they have been calling me non-stop since. TLDR: Somebody found my credit card and attempted to make to ATM payments on the balance of my card. BofA shut down all my credit cards as a result. EDIT: My checking accounts has the funds to cover the 380 payment and 800, so I have no idea where they were attempting to pull funds from. Assistant: They may have been attempting to convert bad checks to cash, I suppose. Regardless you need to report this as unauthorized use to your bank. Call the number to report your card as stolen IMMEDIATELY - it is important to officially log it as stolen as soon as you realize, as if you wait too long after you knew it was stolen you might take on some liability for anything done with it. The department that takes stolenlost card reports will be open 247.Once this is officially on file you can talk to them about next steps. They may already be planning to issue you a new card - if they were talking about blocking your card but not closing it that may be the case. However you need to discuss this with someone who knows what theyre talking about and have them explain what will happen next.Human: Will do. I thought them blocking my card meant I would not have to report it missing, but you are right. How would making a payments to my account for for amount of 380 and 800 help convert their checks to cash? I am a bit lost for how them making a payment to my account helps the thief at all. I assumed they attempted to take out of the ATM but didnt know how to use an ATM  <response>: They may or may not be treating it as missing, but the important thing is to have it on the record that you reported it as stolen.As for why they wanted to deposit checks, I havent the faintest idea. Maybe they thought it was a debit card and thought they could immediately withdraw the amount deposited? As another commenter suggested its entirely possible that the criminals in this case might be quite confused themselves. 