rm_CauseISaidSo 49F
341 posts
5/19/2006 3:56 pm

Last Read:
2/21/2011 7:30 am


I discovered about two hours ago that I was robbed of a substantial amount of money through my ATM card.I am stunned that this could happen, I have no idea how it did.

A few months back, I cut up all my credit cards so I would only be paying cash in the future, as a way to keep a tighter grip on my spending. So I have been using the debit card, at the supermarket, drugstore, restaurants, to Netflix, my cellphone (which is prepaid) and the two websites I have subscriptions to (this is one of them.) I hardly ever buy anything for myself, the two sites and Netflix are indulgences and all my other bills get paid by check.

Wednesday, my debit card was used to charge nearly $800 in (very) unauthorized charges from some overseas cosmetics store. This is a huge hit for me and although I will get the money back, I am sure, right now that's representing rent. Or the phone bill. Or the electric bill.
I went straight to the bank after I accidentally found out and they are on the case. It may take three weeks to a month for me to be reimbursed.

How did I find out? Well, a few days ago I went to try to get a new Metrocard in the subway via ATM card and the card was declined. It was also declined in the grocery store, and later, over the phone by a restaurant. I went hmm..I know there is money in the account, that is weird.

So today when I got home I called the bank, told them what happened and they said a hold had been put on my debit card due to some unusual activity. They put me through to the fraud department, the guy took my info and then proceeded to tell me about these two unusually large transactions that had taken place two days for $106, another for $676. I flipped and then I freaked. As I was hypothetically breathing into my paper bag, the guy went over all my other transactions, then cancelled my debit card for me and told me to go straight to the bank and file a claim, which I did. The woman at the bank who filed my claim was very nice to me, very helpful and

My tip of the more judicious about where you choose to use a card, credit or debit, but especially debit, online or over the phone. Anywhere, really. I have actually had years of nonincidental experience making online purchases but this was so big and so personal, because the money was drawn right out of my account, that it really has shocked the hell out of me. Right now I am of the inclination to only pay cash for anything ever again. I am sure it will die down but right now it really is a nauseating feeling. The last time something like this happened to me was over 15 years ago, in college, when one of the student clerks working in the school bookstore pieced together a carbon from the store trashcan and started using my credit card number.

I went out and got Japanese food and some junky snacks, it might mask this really bad feeling for awhile. And maybe I will have a George Clooney DVD-athon tonight, lol.

I want to cry.

cuteNEway 42F

5/19/2006 8:46 pm

That will kill the bitch that stole your money and cheer you up at the same time!!

tee hee

rm_CauseISaidSo 49F
182 posts
5/19/2006 10:01 pm

lol, yeah! That and a few bunnysnuggles, lol. Thanks!

MissAnnThrope 57F
11488 posts
5/21/2006 12:44 am

That really sucks. I hope they get it resolved soon.

It's assuring that banks are quicker to put a hold on ATM cards than credit card companies are. I had a hold put on mine about two years ago when I made a last minute trip to visit Poseur McGoth.

I booked the ticket on Saturday, got to London on Sunday, took money out of the AmEx ATM at Heathrow Sunday night, as they have the best exchange rates, then the next week, right before I was supposed to leave and needed money to get to the airport... There was a hold on my card. Labor Day weekend. I was coming back on Labor Day. He had to lend me money to get to the airport. When I got home, there was a message on the machine from the bank, saying they needed to hear from me.

While on the one hand, I appreciated they did that, on the other hand, didn't it occur to them that I couldn't return their call?

rm_CauseISaidSo 49F
182 posts
6/1/2006 2:36 pm

Nine business days later...

I called the Mofos at NoFo and found out that "oops, tee hee, gigglesnort" the claim somehow never made it to the main offices although it was faxed because "oops, tee hee, gigglesnort" i was given the wrong form to sign at the time.

*screams bloody murder*

So I threatened to withdraw all my money and close it out and then I got a phone call that I should come in tomorrow at 8:30 am, where they would provide the "proper" form and the manager would then call the main offices on my behalf to "try and get" me a provisional credit while they start all over from square one.

Commerce Bank, here I come. FUCKTARDS!!!!

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