There you are, and everything in your bank app looks wrong. It is an unpleasant sensation, especially when you are just getting started. Calm yourself down and remember that it can be corrected.
Think of your bank account as of a video game. You suddenly notice that you possess some item that you have not bought. The unauthorized transaction would be a similar to theft of the loot. You should report a glitch to the game master.
As soon as you notice something suspicious, start collecting evidence as a private detective. Log into your Capital One or Chase account and take a screenshot of that suspicious transaction. Write down its exact date, sum, and name of the merchant. Do not postpone it, as you might forget.
Next, dial a phone number printed on the back of your debit card. Be concise and specific when telling your story, there is no need to exaggerate your experience. They might even freeze your card, because it is painful, however, you need a new number anyway.
Remember to ask the customer support representative about your rights protected by “Regulation E” law for students. These rights are your shield in case of unauthorized electronic transfer of money. They are obliged to start investigating your issue in 10 business days. Mention this legal requirement if necessary.
It is important to note that most banks, like Wells Fargo or Discover, would solve your problem rather quickly if the sum is low. You might see the money appear in your account during the investigation. Do not use that provision credit, as it is still unconfirmed.
At the same time, change all passwords related to your bank account. There are services like Bitwarden that help in remembering passwords. Hackers love to use credentials on other shopping websites. Do not let them attack you once more.
In case the bank refuses your claim, do not accept it quietly. Ask them for written denial to know why they refused. Sometimes they say that you authorized it, and it is very frustrating. In this case, you might need to reach the Consumer Financial Protection Bureau.
Honestly speaking, bureaucracy is the hardest part of adulthood. You feel like talking to a wall. However, you have built a business and have faced your first boss. You will survive and learn a lesson from this situation.
From now on, check your statement every day. The fraudsters use trial charges to check if your account is active. It will be difficult for you to notice a one dollar charge, however, the subsequent theft would be easier to catch.