I was so excited about writing this blog. I even attended my first class, knitting, and was prepared to write about it once I practiced my new found skill for a week. Life and crime got in the way instead.
A few weeks ago, I attended the parent watch night at my son's swim lesson held at an area park. I locked my purse in the car as I was going into the pool area and would not need it. When we came out an hour later, we saw shards of glass twinkling on the ground around the car. My window had been shattered and my purse stolen.
I called the police and made a report. Later, I spent another two hours on the phone with banks, credit card companies, and even the library to cancel my cards and have new ones sent. I went out the next day to have the window repaired and obtain a new driver's license. I thought that was the end of it.
A week and a half later, I was contacted by a bank at which I do not have an account. The bank was 3 hours away from where I live. The manager stated that someone had come in impersonating one of their customers with one of my checks and attempted to cash it. The teller confiscated check and called the authorities. The perpetrator fled in a car with dealer plates. The bank employees were not able to get a plate number.
A few days later, I checked my bank account to see if my paycheck had been deposited. It had, but there was also another mysterious deposit and debit. I contacted the bank and they assured me it was merely teller error and would "fall off" overnight. The next day, the transaction was no longer there. The day after that though, I awoke to find my account overdrawn by over $4000.
Apparently, from what I have learned from the bank, a woman with my stolen driver's license entered 5 different branches of my bank over a 2 day period. She had checks stolen from a third person, made out to me. Each of the checks were over $1000. She had written "auto repairs" or "bridal shower" on the memo line of each. She had no problem obtaining the cash each time. She did not even have my account number, as the checks that were stolen from me were from another account at another bank. She had my debit card though from this bank, which is how she knew I had an account there.
The bank, upon realizing days later that this was a case of fraud, debited my account for all of the fraudulent transactions. Not only was I debited the amount written on each check, but non-sufficient funds fees as well. For over a week now, I've been told by various bank employees that this is most certainly a case of fraud and they will rectify the matter by bringing my account current just as soon as the claim is processed. My account is still overdrawn though. I receive daily emails from the bank about my overdrawn status. Yesterday, I received a letter in the mail stating my account had been closed because I failed to comply with the terms and conditions of my account. Today I was called in to my branch to complete an affidavit proclaiming my innocence.
Yes, I am very angry at the person who stole my purse and later my identity, but now I am even angrier at the bank. Each of those five tellers at 5 different branches did not check the ID or signatures of the person cashing the check. If they had, they could have put a stop to this fraud. After the first transaction was made, of which I am sure there was a record, why was this person allowed to continue to jaunt from branch to branch cashing high value checks on the same day? Didn't that raise any red flags for anyone? Does no one check ID anymore? What about matching signatures? Are we so afraid of pissing someone off by questioning their identity that in the interest of good customer service, we let people go without scrutiny? Her signature looks absolutely nothing like mine and even I can tell that the person who signed the checks was the very same person who wrote the check. Her handwriting is bubbly school-girlish. Mine is a mixture of spiky printing and slanted haphazard cursive.
I have learned some valuable things from this ordeal though that I would like to share. Number 1, carry your purse or wallet with you everywhere even if it is inconvenient. A locked car is not a deterrent. Number 2, if your wallet is stolen, close your account at your bank and open a new account at a new bank. (My thief did not know my account number, but knew I banked with my bank from my debit card. All she needed was my ID to access the account.) Number 3, contact the big three credit reporting agencies to put a fraud alert on your credit. Anytime anyone tries to apply for credit in your name, the creditor will be alerted of the fraud alert, you will be contacted to verify that it is in fact you seeking the credit. Number 4, check activity on your accounts daily afterwards. Lastly, and I am struggling with this one at the moment, once you have done all that you can do protect your credit and financial information, realize that is all you can do. Fretting and worrying about the situation helps no one and only hurts you.
I wanted all my blog pieces to be funny and positive, but sometimes life gets in the way of the best laid plans. I will write again soon returning to my original premise of finding yourself and finding joy in learning new things. I have some great ideas of things to try and write about. Remember, even if life hands you something unexpected and unwanted, you can still learn from it.
Always be learning