Why Donâ€™t Banks Seem to Care When Their Customers Are Fraudulently Targeted?
I was a victim of a theft last night. I’d say it’s identity theft but this was more of an outside company that made an illegal charge on my checking account online in some mysterious way that I have yet to be able to figure out how it happened. This happened on a Friday night, so that meant that getting any customer service was extremely limited, and my bank put me through an endless process of “press 1 for happy thoughts” crap before I finally, after three runs around their system that got me to a person who then transferred me back to the beginning of the “press 1″ tree crap again. After some time, and some very frustrating and infuriating moments, I finally got to a person whose only course of plan was to freeze my account and wish me good luck. The charge was “processing” which meant they couldn’t do anything about it until it’s charged.
Honestly, what kind of stupidity is that? Is it not possible to catch a bank robber until after he spends the money, even if you catch him in the bank and have surrounded him with cops?
The next day, I had to get a brand new check card, and no one can tell me why it happened, or even more important: How do I stop it from happening again? The guy on the phone last night was a dickwad who seemed to think it must have been me with my liberal spending ways on the Internet. This is coming from a bank company that advertises its desire to have me using its services online because their the ones who do it best. Anyway, the next day, I’m still out that money that was stolen from my checking account because the processing isn’t done, and ONLY AFTER IT’S DONE can I put in a claim to get my money back. So, I’ve lost access to a LOT of my own money because some unauthorized charge happened from France (or Russia for all I know), and the bank really doesn’t give a fuck.
I’m really lost here because I don’t know what to do now. I don’t know where this came from, what caused it, or even how to prevent it from ever happening again. I don’t use my credit card on risky sites or anything like that. I don’t do online gambling or any crap like that. I use it for normal things, which somehow appears to be more and more susceptible to fraud these days. Is my only recourse to close my banking accounts forever and start hiding money in my mattress again? I know it sounds like that’s some kind of reactive joke, but seriously, what are you supposed to do when you’re basically screwed no matter what you do? I really needed that money on Monday morning for a dental procedure I’m about to have to undergo (my crown fell out of my mouth a few days ago). Now, I’m totally screwed. I can’t even contact the bank until after Monday because the charge doesn’t get processed until Monday, which means I’m going to be in surgery, knowing that I have pretty much no way to pay for it because some criminals thought it would be really cool to fuck over a complete stranger.
And, as stated, nobody fucking cares.