Not a laughing matter-Ramifications 8-14-13

Posted August 14, 2013 at 12:00 am

I’ve always thought I was savvy about keeping important information close to me. I also hang up on scammers.

Twice in the past year, however, I’ve had a credit card “compromised.” Thankfully the credit card companies check such things. But I have no clue how these crooks get the numbers; I don’t even have a “PIN.” One person bought gas in California while I was sitting in Miller. New cards with new numbers were issued.


Ruth A. Moller

However, I’ve just gone through a very frustrating few days. Toward the end of the day Monday, July 28, I got a call from Wells Fargo (my bank). I was told my account had been “compromised,” and they were putting a hold on everything. It seems “someone” somehow got into my checking account, and transferred funds twice on July 26 to a bank I’d never heard of. Total amount came to $2,110. At first I thought the call was bogus, but it wasn’t. I was on the phone with them nearly two hours.

Tuesday, I took off the morning from work and went to the Huron branch. The man I worked with (I thought) got the account switched to a different number, password, etc.  And he assured me the money that had been “transferred” should be back in my account within 10 days. This procedure took another two hours, plus the drive to and from, so the morning was pretty well shot.

Wednesday morning, I went online, and was informed my account was still “blocked.” It was before 9, so I called the Fraud people again, and was told the guy at the Huron bank “did it wrong.” I was on the phone for some time again. I was given just a few checks to tide me over until more arrive, so I had to be prudent…and it was the first of the month…bill-paying time.

I was extremely upset (still am). I don’t know how someone got into my account, and I was especially upset because my account was “frozen.” I couldn’t use the debit card, write a check, or get money any way else, until it was “unfrozen.” It’s scary.

Thank God, I had a little cash from the car recently I sold, and I still could use a credit card.

As of this writing, I “think” I’m okay, and the money has been restored to my account. 

We’re always warned of “scammers” and the like, and I keep my checkbook, credit and debit card with me at all times. I’m told a device that looks something like an older cell phone can scan a card number through a purse, pants pockets, etc.

People who do this have no concern for their victims, but I surely hope they track down the person who “transferred” funds. And I’m thankful that bank and credit card companies keep close watch and notify when they think something is suspicious.

I’m not whining; I’m warning. Although neither I nor Wells Fargo know for sure how this “compromise” happened, it did. I’ll be more vigilant from now on, and I hope my readers will be, too.

My daughter-in-law said a similar thing happened to her a dozen years ago. She now checks her bank accounts daily.

It’s a sad thing to say about the state of the world, but I guess scrutiny is required for our own peace of mind. I never thought it would happen to me, but it did. Please take heed, and be as vigilant as possible. It’s our money…only “share” with those you wish to.

Not a laughing matter