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Omg I just had the scare of my life!

I think I need a drink.  My phone rang and it was the fraud deptment for my bank. They said they saw some unusal  activty on my debit card and wanted to verify that I made the charges. Out of the last 5 charges I only did 2! I was freaked out! My card has been cancelled and reissued a new one with a different numbers and my bank refunded my the money it was almost $100.00! So glad I have fraud proctection if you don't have it get it! The bad news is now I can't place my sephora but I think I can wait but my cart might get bigger!

Re: Omg I just had the scare of my life!

Glad they caught it!  I had my cards cancelled a few times but it was more prevention.  They were scared that my number got copied and just cancelled the cards.  Glad you got your money back as well.  Hope it doesn't take too long to get a replacement Smiley Wink

Re: Omg I just had the scare of my life!

They said it will take 7-10 business days I even got them to send it to my po box

Re: Omg I just had the scare of my life!

Are you SURE it was a legit call from your bank? I have never known a bank to send a card to anything but your physical permanent address in case of fraud or identity theft.

Re: Omg I just had the scare of my life!

You should go to the bank and get a temp card if you really want to shop, i've had this happen to me so much and it is scary, idk what bank you have but bank of america is amazing with fraud protection

Re: Omg I just had the scare of my life!

My bank doesn't offer temporary cardsSmiley Sad

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Re: Omg I just had the scare of my life!

My bank will offer a temporary ATM card.

Re: Omg I just had the scare of my life!

Same thing happened to my husband this week. He just went and picked up his temporary card at the bank this morning. There were three bogus charges on his card totaling about $100.

Re: Omg I just had the scare of my life!

Yep, someone stole your card #. You followed the right steps, now all you have to do is wait for the new card to arrive. It happens. If that's the "scare of your life" then my dear you're either very young or live a very privileged life. Smiley Wink

Smile and be grateful that it wasn't worse...it could have been.

Re: Omg I just had the scare of my life!

Your right I'm young( only 24) but I'm very thankful is wasn't worse.

Re: Omg I just had the scare of my life!

i really don't like thieves

Re: Omg I just had the scare of my life!

Neither do I 

Re: Omg I just had the scare of my life!

That always used to happen to my mom when she would sign up for store credit cards. You have to be especially careful around the holidays, there are people out there that just want to rip you off

Re: Omg I just had the scare of my life!

Its sad that it seem like they are lurking even more during the holidays

Re: Omg I just had the scare of my life!

I am so glad that they called you to work it out!!! It happened to me- someone stole my wallet at an event (how rude) by my house and I didn't realize it until we left and went to another bar and I couldn't find my wallet to get into the bar. I borrowed money from a friend to take a cab home and immediately called my bank.

 

They didn't flag any of the charges because it was all places that I shopped at multiple times before- like the Target, Best Buy, Home Depot, Walgreens, etc, that I always go to. As I was on the phone with the fraud department, they used my card AGAIN- since it was at a gas station (seriously 2 blocks from my apartment), I told the fraud department to send the police over there immediately- if not, I was going to run my butt over there to stop them myself! Even though they were caught red handed, on camera, with a license plate number as well, they got away with it because the police department had better things to do!!!

Re: Omg I just had the scare of my life!

Wow that's crazy😱 that's what alerts the fraud depmant was it was charges to hotels and a flooring company places I have never even heard of my bank did tell me that if they catch the I agree to press charges my response Hell yes!

Re: Omg I just had the scare of my life!

Kind of funny story with my husband's bogus charges. One of the bogus charges was from match.com. When he called the fraud line at the bank about all the bogus charges she really gave him the third degree saying: "are you sure you won't have a problem with us investigating these charges because we can trace the IP address of the purchases". Basically she was saying "are you sure you didn't do this and are now having buyer's remorse because your wife caught you". It was pretty funny. I guess that must happen a lot. It definitely wasn't my hubby. 

Re: Omg I just had the scare of my life!

Lol that's too funny!!!

Re: Omg I just had the scare of my life!

My first husband did something like that. The charges came in and we were overdrawn on our account. He kept swearing it wasn't him. I had the charges investigated and the bank was the one to tell me exactly what websites he charged to and how many times along with "Would you like their phone numbers?" I was so embarrassed, you can let your imaginations run wild with what sites he paid for, I threw him out of the house that night. So yeah, it does happen and it's not fun when it happens to you.

Re: Omg I just had the scare of my life!

It was legit I went to the bank after I got the call and they confirmed everything and said they could send it to the po box. 

Re: Omg I just had the scare of my life!

Smart on you for double checking!

Re: Omg I just had the scare of my life!

Thanks!

Re: Omg I just had the scare of my life!

Unfortunately lilyyy has a good point its not uncommon for scandalous people to pretend to be from banks and credit card companies and try to scare you into giving out your info by saying your account has been compromised.

 

     Just recently my mother received a call from the "irs" in reference to the parentals last tax return. It just happened that the call was during the government furlough! The irs like most government agencies were shut down. How dumb were these crooks! smh  My mother said she when she called the actual irs a few days later that the agent said that they had several reports of calls placed from that # and were following up on the matter.

 

     I would call your bank directly to verify and for the future if they offer it set up online and or text alerts on your account to notify you when charges are made.

Re: Omg I just had the scare of my life!

I'm definitely thinking text messages might be a good thing right now

Re: Omg I just had the scare of my life!

That's crazy!  I'm glad they fixed it so fast.  I have alerts set up to go to my email whenever my debit card is charged over $1.00 for this reason.  I have Charter One.

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