(Warning: This blog post has many insinuations of cursing. If you’re dainty that way, don’t read further!)
Or rather, defrauded. (Was I frauded or defrauded?! Regardless, I’ve got money missing!)
Monday morning I logged into my banking account to reconcile my account (which, THANKFULLY! I do every other week on payday cuz I’m crazy like that) and I see my balance and I’m like WHAT THE FROCK! It’s about half of where it’s supposed to be. I don’t use my debit card much, usually only when someone doesn’t accept my American Express (I’m all about the points baby!).
So I start to look at the charges and I’m like, hmmm, I don’t remember shopping at Autozone, or Marshall’s or Jon’s Market or Smart and Final… So at first I think I’m going freaking crazy.
I look closer and there are 15 debit transactions! As I said, I don’t use my debit card. So I have heart failure thinking I lost my debit card.
I get my wallet and lo and behold there’s my debit card. SO WTF?!?!
I go back in and look and they’re all transactions from 10/1 until today (FROCKERS!) at various stores totalling $2700+!!!! With another $470 in authorizations waiting to hit my freaking account for a total of $3100!!!!
So I wait anxiously for my credit union to open. I call 9 and tell them about what I found and they ask about my card. I tell them it’s in my wallet. She cancels my card and I ask how this can happen. She said all these FROCKERS need is the number from my card, the expiration date, and the CSV number from the back.
I tell her I don’t hardly ever use my debit card.
She tells me it only takes on time. I may have handed it to a waiter/waitress, they took my card to charge it, wrote down the numbers, and voila. She also said the waiter/waitress likely isn’t the one who made the duplicate card; they like SOLD IT! It makes me SO ANGRY even thinking about that.
She also told me that the technology to do this can be bought on the internet!
I feel so violated right now, I can’t hardly stand it. Thinking about the frucking fruckwad out there living high on the hog with my money! FROCKER!
So I hadto take 1/2 day off work to go to the bank and fill out a 1″ stack of paperwork! I’m still waiting on the provisional credit that will replace the money that was taken from my account.
Despite this, I still believe that plastic is much safer than carrying cash. If I had lost a wallet with $3100 in it (although who would carry that much?!), it would be gone. Period. At least with plastic I have the benefit of being insured. It’s a pain, but it’s there.
So to whomever did/does this (clearly none of my readers, but maybe they’ll find it on an internet search for “fraud” and “defrauding”.), I have one thing to say,
“It’s all about karma! ”
(It just occurred to me, this isn’t my karma is it?! My fear: it’s a karmic bite in the butt from when I stole that gumball from the 5 & 10 when I was like 4 years old. Although I would have thought the embarrassment of my parents making me take it back would have canceled that out. But what do I know?)
ETA: Oh, I forgot to mention, I am not allowed to request a new debit card for 45 days! I asked the customer service person why I, as the victim of fraud, was being punished and her curt reply was, “That’s the policy.” GRRRR!