Yesterday afternoon, I got a phone call from my bank. I saw the name on the caller ID and almost didn’t answer – I figured they were just going to try to sell me a mortgage or something. (One thing I’ve noticed about working from home is that I get a lot of telemarketing calls during the day.) I did answer, and it was someone from my bank’s fraud prevention department, calling to verify some recent transactions. I have no credit cards, and I pretty much live on my debit card, so this didn’t strike me as too strange. The lady from the bank asked me if I had done a balance inquiry from an ATM on Saturday. Um, no. I never do balance inquiries at ATM’s. If I want to know how much is in my account, I use the bank’s website. So by now, I was kind of alarmed. She then asked me when the last time was that I used my debit card. I racked my brain and the last time I could think of was Wednesday, when I went to the grocery store shortly before my parents arrived. Then she asks, “So you haven’t made any ATM withdrawals today?” Um, NO!! Panic was starting to set in by this point, I could feel the tears rising up.
Basically, it looks like someone managed to get ahold of both my debit card number and my PIN, which is crazy because I’m always very careful about protecting that when I have to enter it, and I haven’t lost my card. Plus, my PIN isn’t even something easy to guess like my birthday, it’s the one that was randomly generated by the bank. So this person did the balance inquiry to find out how much was in my account on Saturday, and then yesterday, they took out 3 separate $500 ATM withdrawals. In one day. My checking account is now overdrafted to all hell. The good news is that I’ll get my money back, and they won’t charge me the overdraft fees. The sucky part is that it will take 2 to 3 business days to get the money back, and in the meantime, my debit card has been cancelled and they’ll have to send me a new one. So I just have to pray that no expenses come up this week that require more than the $20 I have in cash. Oh, and did I mention that rent is due tomorrow? Hooray! I’m more pissed than anything, to know that some stupid piece of shit got away with $1500 scot-free and there’s nothing that anyone can do about it. That’s just infuriating.
And a quick retraction: My sister pointed out that every time I’ve talked about Dave’s guest room, I’ve called the color lavendar, and the word is actually spelled lavender. I looked it up and she was right. Dammit. I hate it when I misspell words. The funny thing is that every time I read it with the -er, I thought someone had made a typo. Oh well.