Well, I was in for quite a shock when I logged into my online banking account this morning and saw that my Available Balance was - $458.72. I was expecting to see around $1,200. I immediately looked to the transactions to see what had happened and did not see anything that jumped out at me, except a $28.56 charge at
Applebee's on Sunday night. Now, I knew this was wrong because order the exact same thing for take-out every Sunday night from Applebee's and it costs $15.00. I saw the $15 charge as well as the $28.56. I immediately knew why my account was $500 overdrawn...and I wasn't happy.
I called the bank and they verified a $1300 charge that had not been posted to the website...but could not tell me anything else. They did give me the phone number to the Visa CheckCard division. I called that part of the bank and the lady told me more about the transactions. It seems that the $1300 charge was posted by
Air France. Someone was going on vacation on my dime. There were several other smaller charges as well. The customer service agent and I went through all the transactions from Sunday and I told her which ones were authentic and which ones were fraud. She canceled my debit card and placed a fraud alert on my account.
I then visited the Federal Trade Communications
website on Identity Theft to see what other steps I needed to take. I contacted the three credit bureaus as directed and called the police to file a police report. The officer told me I needed to come in and file the report in person.
I left work early and went to the
Millbrook Police Department and spoke to the police chief about my situation. He had one of his officers come out and talk to me. Upon hearing the whole story, the officer said that, according to the law, I was not a victim of identity theft, but just a stolen credit card. Since the facts seem to indicate that the card number was stolen at Applebees in Prattville, then I needed to go the
Prattville Police Department to file my report.
The officers at both station were very helpful, courteous and professional. I felt very much at ease with them and really appreciated their time and knowledge. At the Prattville Police Department, the officers took my report and created a police report of the incident. I met for a few moments with the detective that will be investigating the crime. In the course of our conversation he made the comment that with the police report, the bank wouldn't hold me liable for any of the fraudulent activity (I, of course, already knew that because I had already talked to the bank) and mentioned that I was no longer a victim.
This comment struck me funny. First of all, I didn't really feel like a victim. God's provision had been evident to me from the moment I knew what had happened. Erin and I had saved $1,200 in April that I was about to move to my savings account at the credit union. I got paid on Friday and all of my "first of the month" bills were paid electronically Monday evening prior to the crook overdrafting my account. Erin had not gone to pick up her check yet, so her salary was not in the account to be used by the crook. Besides that, I knew we had a grand in the savings account for emergencies. So, while there is a little bit of hassle in all of this, no one will go hungry, all of the bills will be paid, and we will have enough money to live on until the bank reimburses my checking account. At that time, I will move all of the appropriate monies back to my savings account at the credit union. Basically, the criminal only took that money that was being saved for an emergency.
Secondly, I knew I wasn't a victim because the bank that I use has a "0 Liability Guarantee" that comes with having a Visa CheckCard. That was one of the reasons we chose this institution. Basically, because of God's grace to lead us to make some good choices, even in this possibly horrific situation, there was peace and no feelings of victimhood. I do not choose to be a victim to this act. Now, this doesn't mean I don't hope they catch the perpetrator. I will testify against him and follow his case to ensure that he is properly punished. After all, he committed a felony of Grand Theft and is a danger to society and other people. I will also, from now on, hit the ATM prior to going to any restaurant and only pay in cash. That ability for waiters and waitresses to go back and access my credit card for tipping is what probably caused this mess and I just won't let the situation arise again. This is not a problem because we usually use cash envelopes to pay for all of our expenses anyway, I just hadn't had a chance to go get the cash for the month yet. I'll make a better effort from now on.