FRAUD

So, a couple of weeks back, I received an alert from my credit card company. It asked me, “Did you authorize this transaction?” Below this sentence was a box which said,

Xoom (not Zoom) for $440 to be transferred overseas?

Next to this box there were two other boxes, with “Yes” and “NO” in bold letters.

Of course I immediately clicked on the “No” box. I was upset that I would even get that kind of alert. I had the card with me the whole time.

Later that same week I went to the FED EX office to mail a box to my nephew in Florida. I gave the lady my card. She said, “Doc, our machine is acting funny all day long for a couple of days. It is not taking your card.” I gave her another card and that went through right away. I mumbled to myself that I should call my card company, and check that out. Again she told me it was the error of the machine there and not my card. That evening I called the credit card company to let them know that FED EX had problem with my card.

After listening to the electronic message about how busy the reps were and about the load of calls and because of Covid status etc. I was told that my waiting period would be over an hour. I wasn’t going to wait for that long, but accepted that someone would return my call in an hour. They had the number. The call never did come through. I had a strange gnawing sensation in the pit of my stomach the whole night. The next evening I called the 800 number again. And again I got the same message about an hour’s delay. SO again I gave my number and waited. This time a wonderful lady called back.

My card was compromised.

The company had not declined just the FEDEX charges from that morning, but also, charges of a pizza parlor for $85, A Grub Hub or Hub Grub place for 170, a children’s clothing store for over 250 dollars and a couple of other stores including Lyft, everything totaling to almost one thousand dollars. My jaw dropped.

I was so happy that the credit card company was vigilant enough to identify the fraud and take care of the situation. She walked me through a lot of sophisticated steps, which this old brain of mine could never have done by itself. I received a new card yesterday.

Meanwhile because I was super anxious and wanted to know if the password was right I tried getting into the web page, making mistakes by using capital letters, or misspelling the user ID, and got locked out. So I had to call them last night and again this morning to get the thing done right. (Matt, why are you not here when I need you most? πŸ˜‰ Why are you so far away in Canada? ) After that I went to my cell phone company locally to get my Apple account updated, because it was a recurring charge from them and they had tried to use my old card and were denied.

So now, I think, everything is finally taken care of. I sure hope to God I am right. I have had such an anxious time these past few days. See, I really dislike using my credit card. I would rather pay everything with a check or give cash. Now, more so than ever.

Learnt a lesson I did!!

About Zakiah

I write poetry and some fiction, have a book that was published in 2012. . . Stray Thoughts/Winged Words. I have four grandchildren, ages 16 and half to almost 16 months. I love the ocean, and grew up along the Indian Ocean in South India. I am a retired physician. Don't know much else to say. Thanks for reading. That has been my profile for so many years. My daughter Saadia a great poet and story teller, has two sons; the oldest grandson is now 21 years old, doing architectural engineering at Missouri S&T in Rolla MO. His younger brother is almost 16 and taking driving lessons seriously and is in High School. The other two grandsons, children of my son Sayeed, are 9 and 5. I have recently published another book titled Gulistan, A home of Flowers. It has stories and memories of my childhood and of a distant land which I still consider as my HOME., even though I have lived here in the US for more than fifty years. Hope to see you on my blog.
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24 Responses to FRAUD

  1. slmret says:

    Oh, my goodness — I do hope you’ve found all the breaches, and your account is no longer compromised! I’m glad your bank was alert to the possibilities! I seldom used a credit card before the pandemic began — and now I use it all the time. I have two issues with it — one is that my card could easily be compromised, and the other that I can’t keep track of what I’m spending as easily as I did when I used cash and checks. One warning — debit cards are far less easily protected than are credit cards — I won’t carry a debit card other than an ATM card — and that doesn’t work as a regular debit card!

    • Zakiah says:

      My account is no longer compromised Janet. I am finally so happy that this is out of my head. It was a horrible week to put up with this nonsense. I hate receiving bills in the mail, and therefore use checks and cash instead. I do not have a debit card. I don’t have an ATM card either. You would think i should be well protected, no? But BANG, they got me this time. Darn!

  2. Oh no…. just keep checking your credit card statements and bank statements (can you see your activity online?). I check at least once a week just to make sure. I think that email you received might have been a phony email. Do you have an antivirus program on your computer?

    The more technology we have, the more complicated things are. I sometimes miss the simplicity of just using cash and cheques.

    • Zakiah says:

      Oh yes, i am totally protected with anti virus things, and no the email I received was genuine, and the company said they had immediately flagged it. I do check my statements and online statements couple or three times a week. That’s how I came across the alert.
      I would any day use cash and checks instead of the card.

    • Zakiah says:

      I have Norton and another one on my computer. I think it is called Firefox?

  3. murisopsis says:

    That is awful. I’m glad your credit card company was on it! I just got a letter in the mail that my dentist’s office had a security breach and my billing info and dental records were involved. Of course they insisted on my DOB and SSN. So now I have to jump through flaming hoops to make sure my credit is safe… It happened in Sept -Oct and they are just now letting me know!

    • Zakiah says:

      Such a shame no? Too bad they didn’t let you know two or three months ago. Anyone asking for my DOB and the SSN, makes me very uncomfortable. I would rather go to the office and ask them if they were legit and give it to them personally. So many inanimate things have sharp ears.

  4. mrswrangler says:

    I am sorry this happened. I had the awful customer service experience due to covid over printer ink. After being on hold forever one guy told me it was the Postal service fault even though they had never received the package. That I need to wait more than two weeks before freaking out when I paid for 3-5 day shipping. After numerous emails and phone calls I put a dispute in on paypal. And all of sudden I received a response.

  5. I understand your stress , Zakiah. Cards are marvellous tools , like way of paying but as Janet says:” I can’t keep track of what I’m spending as easily as I did when I used cash and checks” IWe have to wait a month to know (to recall)what we purchased with your card . I prefer checks or cash . Too much Internet everywhere !!
    I am happy thngs are better , now
    Love ❀
    Michel

    • Zakiah says:

      Yes, thank you dear Michel. I prefer cash to credit cards. I had this happened to me in 2014, and i found out about it only when i received the bill of thousands of dollars. Of course they took care of it, and i upgraded my card, where they can know immediately that there is a fraudulent charge,

      • Thousands dollars ! It is frightening ! I am uncertain at this moment about a paiment via my card but I do not remember what I have bought . I have to wait for the end of this month to know if there is fraud or if it is my memory that is feeble ❀

  6. Zakiah says:

    I hope you will not have a rude surprise. Can you go on line and check this out?

  7. Oh, gosh! 😦 I’m so sorry to hear this! All of this gets so frustrating and scary. I wish we could go back to paying everything in cash or checks.
    Glad your credit card company was on the ball.
    SO glad it’s all worked out now.
    Seems no matter HOW we pay for things these days there are people out there waiting to scam, take advantage, steal, etc. 😦
    (((HUGS)))

    • Zakiah says:

      I know right?? That shook me up something horrible. Don’t ever want to go through that, even though the card company were bending over backwards to help me and give me support, i felt so violated.

  8. Rupali says:

    Technology was supposed to make our life easier but at times it just test our patience. Hope all is settled by now.

    You surely need a good cup of garam chai.

    • Zakiah says:

      I have decided to use my checks and cash as much as possible.
      You will be surprised to know that i never ever drink tea, never have and never will Everyone at home was crazy about tea and they would make such a fuss about the morning and evening cuppa. I couldn’t stand the smell. Hubby drinks it every single day twice a day. My drink is water. Only water. Period.

    • Zakiah says:

      Water it is!
      Even in the dead of winter a glass of water with one or two ice cubes is always with me through the day. I do drink some gourmet coffee (about once or twice a year) when the bones get bitterly cold, to give myself some warmth. But that is rare, very rare; with a lot of milk and sugar. Can’t stand the taste of tea or coffee… but i love the SMELL of brewing coffee.

    • Zakiah says:

      Great minds think alike Rupali πŸ™‚ πŸ™‚

  9. r_hsw says:

    We can’t be too careful these days. Each time I receive a ‘questionable’ e-mail or message, I would simply delete them instead of responding to their inquiry.

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