Thoughts, opinions and daily ramblings …

If you’re thinking this is going to be a deep, soul-searching post think again!

For the second time in the past year, maybe year and a half, my identity was stolen!  Not my whole identity, just partial identity theft.  To whomever it is that stealing my bank information could please assume all of my finances?  Don’t stop with the bankroll, take the mortgage, the taxes, the car payment, the utility bills too!  Please, by all means …be me 100%!

A warning to you all, here’s what the do.  They hack into accounts and take your card information.  Next they make a small transaction to see if the card works.  Once that transaction goes through they reverse it.  You will see money in and money out of your account.  If you’re lucky your bank will catch on to this activity.  The transaction is usually from an odd location/site.  If you’re lucky, which I was, your bank will put a temporary hold on your account.  So the next time you go to use your card it will be declined.  You will feel like an ass because people automatically assume that you don’t have the funds to pay for your purchase.  Anytime your card declines for no reason you should contact your bank immediately.  They will most likely put you in touch with their fraud department and they will ask you if you made the purchases in question.  The first time this happened to me it was just the in and out transaction.  This time it was the debit, the credit and then a failed attempt at a much larger purchase.

Thank you Trustco bank for putting a hold on my account before the larger transaction went through!