To Whomever Stole My Debit Card
To: Whomever Stole My Debit Card:
I am not sure who you are, but I thought I would take a minute to write to you and let you know the negative impact you had on my life over the weekend.
Sometime after I visited Walgreens on Thursday, you found my debit card and obviously decided to take the opportunity to use it, not just once, not just twice, but at least 10 different times before I realized it was missing.
It would seem you decided to first spend $150.00 purchasing Halloween items at Party City and then went next door to Target and spent another $62.00. As far as I can tell, that was it for the day. I did lose my card late in the evening, so that probably explains why you didn’t spend more.
The next day, you decided to purchase some groceries totaling $74.34 and then filled your gas tank up costing me another $60.00. After all of this spending, you must have been hungry since you went to Olive Garden and got dinner for $46.99. Seems you either drive a lot or you have another car that was also out of gas, as you spent another $50.00 (in two $25.00 transactions). Given you did the two $25.00 gas purchases, you must have been thinking I might be close to running out of funds. You were right. Of course that didn’t stop you, as you tried to purchase at least 9 more things which caused my bank to charge me $280.00 in NSF fees and caused my account to go way negative.
Total Damage you caused to my checking account? $877.35
It took me until Friday evening around 6:00pm to realize I didn’t have my card. Of course I foolishly thought I had just left it at home and didn’t notice the damage to my account until around noon on Saturday while trying to buy some food for my family. That’s only the beginning though. Let me explain…
We decided to take off for a long weekend. This was the first vacation we’ve had in more than a year. My wife and kids headed to the mountains on Friday around noon. I got tied up at work, and couldn’t leave until around 4:30pm. I payed all of our due bills and made sure we had about $500.00 in our checking account for the weekend before I left. We had planned to visit a mountain top amusement park and a mountain train ride while there.
On the way up, I stopped to get dinner around 6:30pm and when I went to pay, I realized my debit card was missing. I incorrectly assumed I had just left it at home. We have two checking accounts (one our primary and one for our groceries) so I used the grocery account to pay for my meal. We don’t normally keep much in our grocery account, so after my meal I checked the account balance real quick, and I’m glad I did. Our primary account available balance was lower than I expected. I should have reacted, but just thought maybe I made a mistake or that maybe my wife had needed to buy some things for our trip. I then transferred some money over from our emergency fund just in case.
The next morning (Saturday) we needed to purchase some groceries and headed to the closest grocery store. I am not sure why, but I decided to check our account balance again, and it was negative, $300.00 negative to be exact. I immediately called the bank.
The bank’s fraud department noticed your activity pretty quickly once I called and blocked the card and opened a fraud case. They even provisionally credited me for the transactions that had cleared so far so I would have some money. We were able to buy our groceries. I thought that was all you had charged, I was wrong. We enjoyed the weekend, even though due to lack of cash we decided to not visit the amusement park or train ride we had planned. Our children were pretty disappointed.
On Monday, we were going to go site seeing, and while backing out of our lot, our Durango’s rear tire slipped into a ditch. We were stuck. $65.00 for a tow truck and a few hours later we were unstuck and completely out of cash. No big concern though as we were heading out the next morning anyway.
We packed up on Tuesday morning and headed home, only to find out while trying to purchase gas that we again had a negative balance on our account. Fortunately we had enough gas to make it home, but just barely.
Upon returning home, I checked online banking and realized further transactions had cleared on our account along with a ton of overdraft fees. I again called the bank’s fraud department and they added the additional transactions to the case and credited me the funds along with refunding the overdraft fees.
I just wanted you to know the difficulty you caused me over what I had hoped would be a wonderful weekend for my family. We needed this vacation, and frankly deserved some quality time together after the crazy year we’ve had.
In your selfishness, and lack of concern for others, you ruined it. You are a thief, and in my opinion pure scum. I am working closely with my bank, and fully intend to prosecute you to the fullest extent of the law.
Hope to meet you soon,
– The Glblguy
Has this ever happened to any of you? How do you keep your emergency funds more liquid? ING Direct takes 1-3 days to transfer money, in this case, I needed it sooner. Do you bring extra cash on your trips? Wishing now I had done this. I even considered carrying a credit card again…
Special thanks to the Wachovia Fraud department for their legitimate concern for my family and I. Their quick and responsive handling of the problem made a difficult situation much easier.