Yesterday was a busy day for me as I spent most of it putting out the fires a thief started while cleaning up the mess this asshole has now created. Most of y’all have heard me mention before that I do not possess any credit cards with the exception of a gas card which I use once to twice a month just to keep it active. Otherwise, as a household we operate and function with either cash or either one if our debit cards. Yesterday morning I was looking at my bank account on-line and noticed three odd charges. After speaking with my wife, who was at work, it was determined that these transactions were not made by either one of us. However, they listed my card as the card used. So I call the 1-800 number for the bank we use and since my cell phone is linked with my account I was automatically switched to the fraud prevention dept as soon as I entered my account information. An automated message comes on with instructions on how to use the following information. It begins to list what turns out to be twelve transactions which nine of them were questionable and immediately declined. After the automated version I was able to speak with a fraud prevention banking agent.
She began with my spending habits and how I use my card each month to pay the same things for basically the same amount of funds and then I have PayPal payments which are also explainable. Then she listed the nine which were declined which equaled just shy of $3,000.00 and the nature of the attempted purchases. Here is the shocker, they all happened in a small 25 mile radius in a city she could not release in fucking Canada. Want stranger? The three “pending” charges equalling less than $10.00 were also in the same city in Canada. The end result is that all the charges have now been declined, my card has been killed, and my wife’s card and my daughter’s card have both been put on fraud watch for suspicious activity. Problems solved, right? I suppose only time will tell. She explained that this is being investigated and I will be informed if the person(s) is caught because I will be able to press charges based on the international agreements and both countries fraud laws. But still, how does this help me sleep at night.
My wife and I spent the better part of yesterday evening going over the possibilities of where my card specifically was targeted and then compromised. We came up with nothing, as we both pointed out, we did just spend 12 days in South Dakota where my card was used predominantly for 95% of the purchases we made. But there is still no actual answer. It was interesting to me to look at the list of places this asshole was declined. I remind you, all attempts were made in person, meaning the asshole had to swipe a card in a credit card reading machine if some sorts. The best one was that the asshole attempted to pay his/her wireless bill in the store. Why is this good news? To begin with the fraud department now has an account number, a cell phone number, and the name and address on the account. Great, right? Probably not because it is most likely all fake or stolen. For now this is resolved and the wannabe thief has been stopped. Well, my card is no good to the asshole, but who knows how many more stolen cards/numbers he/she possesses or how they are obtained. Now I don’t know if this asshole is Canadian, nor do I know if this asshole lives in Canada, but I would have to suspect the answers to be yes since the asshole was attempting to pay personal bills which are Canadian.
Before we start jumping in my ass for something I have said I will remind everyone I am not calling all Canadians assholes, just the asshole(s) fucking with my money. Everything having to do with Canada is purely circumstantial based on the information provided to me. So I don’t need no angry yankees busting my ass and filling up my comments or email with bullshit. Agreed? Still friends? Also, in a way this post should serve as a PSA for everyone. Keep an active eye on your money and your accounts. No, I did not mention which bank I use and no I will not divulge that information. Wasn’t it a rapper, many moon ago, who had a line that went something like “keep your money on your mind and your mind on your money” or something like that? His name eludes me at this time. I think it was Snoop Dogg or what ever he calls himself. Yes, I am very out of touch, I know. I really don’t know what to say, none of us are safe because none of us really live off the grid of society. Shit happens and now we live to fight another day a little wiser. Again, Canadians, I wasn’t trying to anger y’all. Unless you are the slimey asshole thief, then yes, by all means, be very offended.