You just never consider that it could happen to you…and then it does. Then you want to smack yourself in the head.
PSA for today: check your credit card transaction history every month. The sad tale:
I have a credit card through PayPal (a division of evilBay). The Thriller, who pays the bills online every month, noticed that the balance on this account — which he always paid in full — never stayed at zero. Each month, there was a thirty-some dollar charge. He kept paying it, assuming I was just making purchases with it. He even made mention of it once, several months ago: “Your PayPal MasterCard balance…I keep paying it off and it keeps coming back with money on it.” At the time, I think I had charged something online, and I told him so. The matter was dropped.
Then yesterday happened. Long story longer: I spent the entire afternoon on the phone with PP’s fraud department. Seems a lovely bunch of chaps in Great Britain have been charging $40 to my credit card every month since January, just for kicks and giggles — right under my nose.
There’s probably no way I’m going to get my $400 back — I mean, it’s been months and this is eBay, fuh cryin’ out loud, who don’t give a dinkly doo about their customers — but I am sixpence the wiser. Never again will I just assume all is well. Chicanery to the left of me; jugglery to the right. You just can’t trust anything these days. I feel violated and stupid.
So, fiends, a lesson for those who have credit accounts, and for those who might in the future: be suspicious all the time. Never assume your credit card company (or bank) is watching out for you. Don’t believe their hype about “red flagging fraud.” A bogus company that changes its name every month and has a US toll-free number (that doesn’t work, of course — I tried them all) but originates in the UK is not cause for a red flag in their software? I’m not shifting blame, mind. But geez. What a way to run a railroad…
Anyway, I’ve done the research, made records of all the fraudulent charges, compiled them into a report, filled out all the paperwork and faxed it in. And that is how I spent my Monday afternoon.
Cripes.
FO



Well I hope everyone had a great Thanksgiving (sorry Suze – I hope your tuna sammich was tasty!). The holiday itself is rather silly when you think about it: getting together one day a year to be thankful, or worse, to “celebrate” what is one of the most egregious examples of
‘Tis a new day indeed. For the first time since December 2006, I am free of Boston University. Completely. Permanently. All that’s left is getting the final grade, receiving the diploma in the mail, and depositing the course reimbursement from my school district into the Route 66