I’ll tell you what’s in my wallet..
It’s a Capital One credit card.
And someone went on a little bit of a spending spree with it over the weekend… in Alberta…. and it wasn’t me.
About half an hour ago, I was going through my account statements online, just to make sure everything was in order. I was about to head to bed when I thought that I’d quickly check my credit card statement (as I frequently do), to see available credit and make sure that everything was fine.
I logged on, and on the main screen, I saw that my balance was about $100 over limit. “That’s strange,” I thought to myself, “it’s shouldn’t be over it’s limit.” So, I looked a little closer at the transactions.
hmm.. paid for camping site, a couple transactions through iTunes… and Superstore? And McDonald’s? And Shaw Cable?
I racked my brain for answers.. I never use the credit card unless I’ve got nothing in the bank account. Why use credit when you have cash? Then I started to look closer.. Shaw? Why would I have charged $3.00 to Shaw on my card? As an employee, it comes directly out of my bank account.. I certainly never would use my credit card for that.
Then it hits me… Someone has scammed my credit card. All these transactions happened on the weekend.. I can only assume that more will post to my account in the next couple of days. I called Capital One right away.
I went through the obligatory menu options, getting a little more stressed as I listen for the option that I want. Eventually the “speak to a real live person” option comes up. I mash the “0″ key on the keypad. Relatively quickly, I get a person on the other end of the phone. I explain to her that I needed to report fraudulent activity on my card..
Well.. I might as well be speaking to a brick wall. She told me that I could dispute the charges if I like. Umm… hellllloooo??? I tell her that I want a freeze put on the card. “I don’t want ANY activity on the card for now!”
“Oh… well, I can transfer you to the fraud department, if you like”, she finally clues in. I tell her yes, that’s exactly what I want. I get put on hold for about 30 seconds, when she comes back to tell me “I’m sorry, but that department is closed. Is there anything else I can help you with?”
“Ummm… YES! You can put a hold on my card!”, I tell her for the fifth time. She then goes on to assure me that she’ll make a note on my file, but I’ll have to call back in the morning. (I guess fraudsters sleep at night too.)
After I try a couple different angles with her, I give up in futility. I ask her when the fraud department opens, and she said 5am PDT. So.. you know what I’ll be doing in the morning.
That brings us up until now. I’m mad and a little stressed. I should be in bed sleeping. I shouldn’t have to worry about what else is going to appear on my credit card overnight, especially since it’s $100 over it’s limit. I shouldn’t have to deal with a script reading CSR that doesn’t seem to listen, but only reguritates what they are told to say. I wasn’t saying “I don’t think I made these charges”, I said, “Someone has been using my card and I need a freeze put on in immediately”.. Similar, but very different.
Stay tuned… I’m sure this will only get more frustrating as I try to sort this out.