I also work at a theatre where someone has rung up obscene amounts on gift cards and then tried to refund them for cash. It’s our policy to only refund it back to the card originally used, so they never get the cash from us, but should I report it to the police? Or will they just see it as a waste of their time? I don’t have the person’s name or anything. I don’t even have the whole card number. But we would have a security video of the person who came to refund them….

I just hate the idea of these people getting away with it ’cause their plans were foiled. They intended to do it.

These scumbags do not understand the devestation the cause they just take peoples money and have a jolly.

any way im done with my moaning i guess we all just have to get on with things now.

Bummmer about your kids vacation man. That really stinks.

First off. Kudos to Wachovia. Their response really shocked me.

I’m an FPU coordinator. One of my small group leaders is a detective that does 100% of the ID theft investigations for their district. He swears up and down 99% of all banks do not have a heart when it comes to cleaning up debit card theft. They only follow federal law and Visa policy. The fact they are stealing a card issuer’s money – not your money makes the credit card folks work 10 times harder to clean up the mess when this happens. If you read Visa’s policy they get 7 to 10 days to put the money back…. Yeah great if you can wait that long. Visa’s zero protection policy is NOT Federal Law – and they can change that in 15 days notice at any time.

This is my wife’s biggest fear about the debit only deal. And why she still holds on to the card from college….

We use a brick and mortar bank for depositing checks, coins and cash. Then we use an eBank for everything else. Virtual savings accts. Checking, debit, FFEF, etc.

The brick and mortar bank has under $200 for a mini EF.

The eBank has two checking accts with two debit cards. So we each have a redundant debit card if we loose one. That bank has the FFEF as well. Moving cash over takes a nano-second. Forget the three day cooling off period with wiring new funds to the bank.

Moral of the story. Never keep all your cash at once access point.

I’ve come to the conclusion. Credit card companies are bad. Debit cards are just plain evil. They offer way more to the banks than the consumer.

I had a situation similiar to that a few ago..I stopped by a Valero store to use the ATM. I withdrew $300.00, got my receipt, but didnt get my card, which was left in the machine. I realized about three hours later that my card was missing. I checked the bank of america website, and it appeared that $200.00 was taking out of my account less than a minute later.

I called the bank, explained what happened, and they cancelled the card immediately and gave me a provisional credit for the $200.00. Nothing else went through on the card.

Additionally, about a month ago, i was at work on a saturday and went into the parking garage to get some fresh air and to wake up a bit, since I work 12 hour shifts…going down the stairs, I found a wallet with everything scattered about….4 credit cards, 2 debit cards, a gas card, grocery store cards, drivers license and misc things. There was $44.00 in cash also. I was able to find the persons work number by looking him up on the business directory for the building because he had a business card in his wallet. He was a lawyer. I left him a message that I found his wallet, and to call me so he can pick it up.

needless to say, the guy didnt call me back until monday afternoon, and since I was off work, i told him I would drop his wallet off on the next day when I in the area. I dropped his wallet off to his secretary, who didnt even know I was coming with the guys wallet, and the lawyer didnt even bother to call me back and say thanks or give me anything….if I was a thief, I could have caused that guy a tremendous headache by running up his amex, bankofAmerican card and anything else….but Im a nice guy!!!