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Thread: Dude, where's my Visa?

  1. #1
    Raw Wave wizardPC's Avatar
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    Dude, where's my Visa?

    Because I have no idea, but someone's having a whole lot of fun:

    Tin Lizzie Cafe: 33.39
    Fred's: 147.03 (and that's fricken amazing. I didnt know Fred's HAD $150 worth of stuff)
    FootGear: 226.66 (hmm, somebody's got a new pair of Jordan's)
    Wal-Mart: 98.25
    ----------------------------
    TOTAL: 505.33

    I went to get some cigarettes today and my check card was no in my wallet. Got home, called the bank to tell them I had lost my card, found out about all these purchases--and there are probably some that have not posted yet, so I am looking at probably $1000 worth of charges (I only had $120 in the account, and my bank charges me $25 for every overdraft).

    I get to wake up tomorrow morning and fill out an affadavit at the bank so I can get most (if not all) of my money back, then go to the Police and file a report with the Fraud division (and they LOVE to get those people here), and then go to class and take 2 tests.

    DAMMIT
    Debt as of 1/1/05: $34,354.48
    Debt as of July 4, 2007: $0.00 explanation
    I'M DEBT FREE!!
    I'm now a reasonably successful gunblogger.

  2. #2
    FLAC PatO's Avatar
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    Downside of credit cards - super-high interest charges.
    Upside - you can't be held liable for theft.

    Don't know how it goes with debit cards, but it sure is better than carrying cash. Good luck to you.
    Screw the jerks who don't check the damn signature.
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  3. #3
    FLAC
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    you've heard about the 8 million stolen credit card numbers, right?

  4. #4
    FLAC
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    My signature on my card looks nothing like how I sign my name.

    The way I sign my name at this point is a refined collection of quick loops, reducing my 16 letter name down to 5 quick strokes

    Nobody has ever given me a hard time.. mostly because I use that damn card so often that the signature bar is worn off
    aka Kumaneko
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  5. #5
    Retired Admin Aaron Cake's Avatar
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    According to the credit card companies, if you didn't sign for it, you are not liable for the charges. Simply dispute them. This is of course why it is so easy to screw online retailers....
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  6. #6
    Raw Wave wizardPC's Avatar
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    just got back from filling out all the paperwork at the bank and the police station.

    It's gonna take 6 weeks for the bank's security division to verify that I didnt make any of those purchases and refund my money.

    The cops said that if they ever find the guy, they are throwing the book at him: Petit larceny (for the actual card), Fraud, False Pretense, and Check fraud (for using the card without my permission), and Grand Larceny (for walking out if the stores with merchandise that he had not legally paid for).

    The merchants are actually the ones that will eventually foot the bill for this, so he screwed up when he went to WalMart--theyre gonna have his balls
    Debt as of 1/1/05: $34,354.48
    Debt as of July 4, 2007: $0.00 explanation
    I'M DEBT FREE!!
    I'm now a reasonably successful gunblogger.

  7. #7
    Constant Bitrate
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    Originally posted by wizardPC
    It's gonna take 6 weeks for the bank's security division to verify that I didnt make any of those purchases and refund my money.
    Don't accept that. My debit card was stolen, and Fleet Bank gave me the stupid 1 month until we credit your money answer. I went down to a branch and complained so loudly they gave me the "preffered" customer service number. I called, and they refunded my money in less than a week.

    Twostep

  8. #8
    ddt
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    Originally posted by wizardPC
    It's gonna take 6 weeks for the bank's security division to verify that I didnt make any of those purchases and refund my money.
    I heard that... 45 days (AKA 6 weeks) for me. Happened about a year ago to me too!

  9. #9
    ddt
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    Originally posted by Twostep
    Don't accept that. My debit card was stolen, and Fleet Bank gave me the stupid 1 month until we credit your money answer. I went down to a branch and complained so loudly they gave me the "preffered" customer service number. I called, and they refunded my money in less than a week.

    Twostep
    That only works when your bank gives a crap. I bank at a large institution and they could care less if they lose one customer...jerks!

  10. #10
    Constant Bitrate
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    Originally posted by ddt
    That only works when your bank gives a crap. I bank at a large institution and they could care less if they lose one customer...jerks!
    I think Fleet is like the #2 bank in the country. All you need to do is complain loud enough that the person you are talking to will do anything to get rid or you...

    Twostep

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