With today’s high tech world, I am constantly checking my online bank statements to see my balances and that way I can know exactly how much money, I have left, until my next paycheck. But while I was logging on, I found out something very distressing: One of my credit cards, which displays on my account summary page, suddenly it is showing some activity, which I do not have any knowledge of. So I immediately made a phone call to my bank, where I get transfered to the credit card fraud department.
The item in question was a balance transfer, using funds from my credit card to pay off the balance of another credit card from a bank that I do not even have any accounts with. And I always thought that you cannot do that. how can my bank let me pay off accounts for other people. Well in this case I did not do it and as usual the bank gives me a refund credit to my account and they also assured me that they will investigate this and a new card will be issued and mailed to me within 1 week.
I know most people would say ok, maybe this was a bank mistake and leave it up to the bank to solve it. But in my case I am still not satisfied. I want to know the name or account number that was payed and I want to call the credit card company and find out the persons address who did this.
It almost makes me want to pull a Jack Bauer, or in other words I would like to do a CIA or CTU style interrogation of the person who did this crime. Do you remember a recent scene, where jack interrogates his own brother, by putting a plastic bag over his head and asking him a few questions. I know other people may refer to this as mafia style. Well unless you are a liberal, in that case this would be considered a civil rights violation, because after all bad guys have the right to remain bad! Its not like in the old superhero cartoons, where justice must be served.
Anyway the bank refuses to give me this information, regarding the account name or account number, so I may have to hire a private eye, if it is even worth it. Add this to the fact that today, which is about 2 weeks later, I just found out that I had some more activity, and this time the crook has somehow used one of those courtesy checks that the banks always send you in the mail.
I continued to speak with the representative from the fraud department, and I asked them several questions, including: How is this possible?. By the time I ended my phone call, I am somewhat convinced that this person, who has now victimized me 2 times, must be stealing my mail.
Well, I live in a nice gated community, so that narrows it down even further to be possibly somebody who frequently visits my house. My wife, and I have a bad habit of leaving our mail on the kitchen table or counter, and sometimes for several days, until we have enough time to sort through it and shred the junk mail and file the bills etc.
So, I am now another victim of identity theft. I will now have the pleasure of calling the credit boroughs to flag my credit records. I also have one more reason to vote against those liberals and there stupid privacy protection laws, who are preventing me from finding and punishing this thief, looser or whatever other kind names we can think of. But do not worry, I will hire a private investigator and I’ll make sure he takes care of this person. I also encourage other victims to do the same.
If you leave it up to the bank, they usually do nothing, they wait about 30 days, and then they let some insurance pay for it. But that method encourages these bad people to do more evil.