Monday, September 29, 2008

If They're Gonna Steal My Money, I Hope They Buy Something Purple. **UPDATED**

This morning before church, I sat down at my computer to visit our checking account, so I could write our tithe check for today. I only visit our checking account once a week, usually on Sundays. But apparently between last Sunday and today, someone, had gotten a hold of Marshall's debit card number and PIN, had made 17 withdrawals from local ATMs, removing a total of $6600.00 from our checking account.

Marshall's card was not lost or stolen, so we had no idea this was going on. Naive me... I thought that someone actually needed your debit card and PIN number to take money out of your account from an ATM. But I've since been informed that dishonest cashiers or employees can get your debit number and PIN off of debit card readers. You know, those key pads that look like they have a phone cord sticking out of them. The employee swipes your card, and then they hand the key pad to you, and you punch in your own PIN. Well apparently those card readers store the card number and PIN. And someone can then access that information, use it to make a new card and start using your PIN to remove money from your account at local ATMs.

Fortunately our bank says we have "0" liability and we should get all of our money back... in 5 to 7 days. (after the fraud investigator does his/her little investigation) I'll have to speak with the investigator in the morning, to make sure they include all 17 withdrawals in the amount due back to us.

Someone here in The Valley is having themselves a pretty good shopping spree. I sure hope they enjoyed it while it lasted. I'd love to see their face when they realize they've been cut off. No actually, I'd love to see their face so I could smack it with a 2x4.

**Update** So apparently whoever has been withdrawing money from our account, has been calling the bank repeatedly and answering our security questions to get permission to withdraw more than the $600 daily ATM limit. And until the fraud investigators can find out the extent of the security breach, they've frozen our checking account, but also have blocked our access to all of our online accounts. So yesterday was the day I was supposed to do all my online bill-paying so all of our bills could be paid on time. Well, now that our account is suspended and our online access blocked, I can't pay our bills on time.

And now that we know they have Marshall's name and can answer the banks security questions, we now need to be on the lookout for identity theft. Oh, and the security question he answered correctly? "What is one of the vehicles we have insured through our bank?" Which means he has our home address, and he's been by our house to see what vehicles we have in our driveway. And then he called the bank back and answered the question correctly, getting them to approve his request to start taking out $1500/day out of the ATM. This keeps getting better and better. And I'm thinking I'd like to trade that 2x4 in for a rocket launcher.

39 comments:

  1. I cannot believe that, Julie. Hope all goes well with getting your money back. I'm going to have to start checking our account more often. So scary!

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  2. im glad the bank isnt giving you a hard time with all this. what a mess!

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  3. What a freaking disaster. Makes you wish that you could unload a Petrificus Totalus on people in real life. Some people just suck.

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  4. I am so sorry, thankfully the bank isn't giving you a hard time. It is so scary to think about what people can do out there.

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  5. It's good to know your bank will cover that!

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  6. WOW I can not belive that i HOP ETHEY CATCH THEY PERSON . sO GLAD THAT THE BANK IS NOT GIVING YOU A HARD TIME TO GET YOUR MONEY BACK.

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  7. That is unbelieveable! This has happened to my sister and Dad all within the last year. It makes me so mad!

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  8. Oh dear!!! I'm so sorry that you're having to deal with this. I'm just glad that your bank is taking care of it for you.

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  9. This is awful, Julie! Sorry you have to deal with this... but good thing you will get it all back!

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  10. oh man.

    that blows......
    (can I say that here?)

    The 2x4 is a good idea.

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  11. Infuriating. And time-consuming (all that follow-up phone time - ack!!). I hope all goes smoothly and that the wrong-doer ends up being the one to pay (cause God knows, the banks have enough trouble to deal with already....)

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  12. Yuck! I hope that everything gets cleared up smoothly!

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  13. They're going down, man. I will take him (or her, or them!) down. And it won't be with a 2x4...it will be with a brand new Acura.

    And there will be NO hit and run charges. 'Cause I'm not running. I'll be all, "YOU GOT BLOOD ON THIS NEW VEHICLE!" and run over 'em again. 'Cause that's how I roll. I roll over people. Yep.

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  14. p.s. These are times when we need Spike, ya know? He'd have our back. And I'd offer him my front, too. Hahahahahaha...

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  15. OMG, I hope this will be cleared up quickly. It's horrible when this happens to hard working people.

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  16. horrible! i'm so sorry! i hope it works out ok!

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  17. I didn't know they could get a new card like that.

    I'm so sorry to hear about this I hope they catch the person who is doing this! Mostly so that you know who it is and you can rest more easily.

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  18. That is really scary! To not only know your hubs' name, but your answers! Some people are just incredibly selfish .. I hope it all gets resolved quickly!

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  19. Oh my Julie, how horrible! I had the same (somewhat) thing happen to me and I now have "lifelock"... Sad but true. They screwed everything up for me (the loser that is)! What a major pain in the butt!

    I'm so sorry you have to go through this crap! You may want to do the ole switcher-oo on the blog too in case they found you that way???

    Why do these losers have to ruin everything for us??

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  20. Oh geez!
    I saw part one before I left for work...the update is downright scary.

    One thing I did a long time ago was get all my mail sent to a private mailbox (Mailboxes Etc ish). Everything has that address including my driver's license. I know it saved having someone come to my home after a multi car accident. It's also great if you lose(?) your wallet and car/house keys. They can't find you at the mailbox.

    Hope this all gets worked out.
    Hugs...
    Wendy

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  21. Sorry you're going thru this.

    Good luck and God Bless.

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  22. That is just TERRIBLE!

    I came by to say thinks for visiting me through BATW...wow!

    Hope things get better for you real soon.

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  23. Oh my goodness! That is TERRIBLE! Thank goodness the bank is behind you already on this whole thing!

    Hoping that it gets straightened out ASAP with a minimum of hassles for your family!!!

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  24. If you get the rocket launcher, can we go to the mall & pretend to be Buffy?

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  25. You go girl. This happened to my husband and me last year. It all worked out in the end but you feel so violated.:0 They found out who it was but wouldn't tell us. Some legall mumbo jumbo that my hubby knows about cuz he's an attorney but I could careless. I just wanted to know so I could do the 2x4 thing:)I found you through SITS and I will be back to read more. I loved all your posts.

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  26. Hi,

    I love your blog!!!!!!
    Did you do it all yourself????

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  27. Wow-- that is a disturbing story. Nothing can feel so violating as someone going through your personal information and stealing from you. So sorry that you're going through this. Hope your bank makes it easy for you guys to get through it.

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  28. Holy Poo! What a jacka**! So sorry to hear about the turd bucket screwing with your life. That's seriously poopy. (Gee, I must have poo on the brain!) Although, I think this scumbag is lower than poo... Grrr! Do they think they'll be able to catch the culprit?

    Good luck getting things back in order! Enjoy the vacation from bills! ;-) Ok... maybe not. :-)

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  29. good lord. so scary. i hope it all clears up soon.

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  30. Shoot, girl! That sucks! I'm so sorry!

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  31. That is SO scary!! I'm so sorry all of that is happening. It's just awful!!

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  32. How awful!

    I hope you get everything worked out soon!

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  33. That update is scary, and creepy. I am sorry you are going through this.

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  34. Hey Julie,
    I am SOOOO sorry. That totally stinks. And it's very scary. Just wanted to let ya know I was thinking about you. Good Luck and I'm glad your bank is being so cool!
    Chandra

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  35. I'm sorry you're going through this and hope it gets sorted out soon. How scary.

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  36. I just noticed the update on this post...

    That is scary! Hope this guy is caught quickly! And I'm on the look out for a rocket launcher for you.

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  37. This really pisses me off! I hope they catch the S.O.B. and paint his weewee purple before they lock him up!! Well, assuming it's a he!

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