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.