Tuesday, November 30, 2010

It'll never happen to me.....oh shit

It did.

All weekend I have been trying to check my checking account balance and the banks site wouldn't let me sign in. I wasn't too surprised because this is the same bank I had issues with earlier,,,,,though this was a website, not the local branch morons.

Yesterday I was busy so I waited until today to call the bank to see what was up.

They had frozen my account.


I always balance to the penny and have about eight hundred bucks in there (wayyy more than normal) so WTF?

The bank rep told me to hold while she transferred me...........to the FRAUD department. If I were an old southern lady, I would have come down with a case of the vapors.

Apparently some lovely individual tried to use my debit card number to buy over $1500 worth of items at R.alph L.auren in London. The London that is in England. On the other side of the ocean. Since I don't have any gaps of time where I have been missing from home, chances are I wasn't the one in London. England. This was on the 19th of November. Today is the 30th. If the bank was suspicious enough to freeze the account, don't you think a quick call or email to me might be in order?? Shitheads.

So I spent the day deleting that card from any auto-pay feature at any online shopping place that I frequent. Pay-pal, A.mazon, etc. Now don't start lecturing me about the hazards of using a debit card online. I know. I preach that to the boys all the time. I will tell you that I do not EVER click on links in emails from anywhere requesting data... even if they tell me it is urgent or my recent purchase will implode-blah-blah-blah....I do not frequent questionable sites, my debit card is never out of my reach, and it has never been lost. I am what they call a "smart" consumer, well aware of phishing, spamming, I know to check the browser before I enter info to make sure it is a secure site and all that crap. So, this leaves me to wonder what happened. Obviously someone snagged my number (along with the 3 digits on the back-which is even worse) to attempt purchasing.

Did I tell you that as well as the $1500 attempt on the 19th, they also attempted to buy a bus ticket...again in London...YESTERDAY. This was only a $51 charge and the bank says that I need to file a dispute form to fight it. EVEN THOUGH THEY HAD MY ACCOUNT FROZEN AT THE TIME. When I called the bank today, they said it was "in process". How it was "in process" on a frozen account is beyond me. Double shitheads.

So, no more debiting for me. Which really sucks because it was really nice to be able to use that for my little nonsense items like K.indle books at 99 cents or a fast trip to the store for milk. I don't want to use a credit card for teeny crap like that and I never have cash in my purse. According to my children "nobody" uses real checks any more (and I have actually heard those are more dangerous because they have your routing number and account number, which when used wisely by a savvy thief, could wipe you out. )

The FRAUD lady told me even she has been victimized the same way. Hers was linked back to using a card to pay for a burger....then all hell broke loose. She said people sometimes open a small checking account with a debit card and only keep enough in it that you are willing to lose, and make a deposit when you do want to use it. Yeah. Really convenient lady. So I need to plan ahead if I want to order that awesome pair of gently used crocs on ebay? What if it is Saturday night and the auction is over before Monday morning when I can make a deposit? If I lose out on those purple and yellow striped, form fitted, plasticey substance material shoes .....well, I can't even think about it.

So y'all have been warned.

Sunday, November 07, 2010

a few quick things

I don't have time to elaborate on anything important.

There are a lot of important things happening here.

A week from tomorrow I officially lose my last big client. That means an additional loss of my income by 90%. This does not make a cheerful OHN. Before long, I won't be only-half-nuts....I will be full-blown-nuts. If people in this country knew what was really going on with health care, you would run screaming into the night.

A simple example of one issue......say you have a pesky little breas.t cancer. You see your doctor. He sends you to a surgeon that you aren't sure you like, but, heck, your family doctor sent you there so he must really like him. Yeah....not really.

Most likely your family doctor has a short list to pick from because he is in association with a large medical center, or the same "group". In our area the C.leveland C.linic, U.niversity H.ospitals, or S.umma Care System are the three biggies that are sucking up ALL the doctors. If your doc **belongs** to the Clinic, he isn't going to refer you to U.niversity, even if U has the BEST oncologist for your cancer. Sad and wrong on so many levels.

**yes, I mean belongs, because once you join them, you are on a salary that is commensurate with your numbers of patients seen, surgeries performed, number of referrals to others in your association etc. So, in effect they do own your doctor.

This last account I had was forced to join the Clinic. You are wondering how a physician can be forced?? Simple. If you don't join, and you are a specialist (ortho, uro, gyn etc) your referrals dry up. Specialists rely heavily on physician referrals. So unless they want to just hope for referrals by old patients (" hey Bill...go see Dr. Feelsalotofprostates, he is great") they are screwed. No patients means no practice.

Ironically, my last account...is a wonderful man that HATES the fact that he will now be salaried and told what paintings he is allowed to hang in his office (no, I am NOT kidding, there is actually a list he is to select from that are accepted by his new "boss"). He will be forced to use their internal charting system so OHN is out. I honestly think he feels almost as badly as I do about it.

So, there's that.

S3 got his license this week. Need I say more? He is a great kid, extremely careful, but very very green. I give it till Christmas before I get the call that a portion of my car is deformed in some manner.

S1 told me he is going to ask his girlfriend to marry him. My first question was if she was pregnant. She's not. Apparently her parents are freaking out that she is basically living with him and said they wouldn't mind if she was engaged. I tried to explain to S1 that there needs to be a little bit better reason to get engaged, than getting her mom and dad off her back. S1 will be 22 this week and she is 21. They are wonderful together, and most likely WILL end up together, but sheesh....

S2 is overloaded with school, internship, and work. The whole time he was ranting, I was thinking "yep bud, get used to it...it's called life")

Oh, and it's cold here. 31 as I type this. This means that our gas bills will soon be hovering in the $350 a month range. Not good. I may have to dig out the fishnets, hit up G.oodwill for a miniskirt, and find a profitable corner.

Oh, and two weeks before I found out that the client was going to be gone, we ordered about $3000 worth of replacement doors (entrance and sliders) for our house. (much needed as when we have a blowing snow, we actually get poofs of it in our kitchen, after years and years and years of boys and animal use, and the main entrance door has been slammed so many times it is a miracle it still closes....so while it is crazy timing, it hopefully will at least help with the heat bills) Of course, the opening isn't standard size so we had to special order. ugh.

Well, the complaint list could take all day to write and the title of this was a few quick things. Hey, if nothing else I will have more time to fill up this space. OH that reminds me...the writing gig, it fell through. I checked a little deeper and found out some things that made that little bell ding in my head that said don't do it. So I'm not.

Have a happy day :-)