I think Identify Theft deserves some more complaining, since I'm still angry about it.
Has it happened to you? Have you had your identity stolen and found that the low-life emptied out your bank account? It happened to me, recently, and it's not fun -- not fun, at all. Oh, the timing was perfect. I had just made a big deposit and, within 24 hours, it was all gone. Of course, I didn't know that until out shopping the next day and had my card declined. Declined! It was embarrassing. I had to put the cart aside, full of carefully chosen purchases. But, they did say they would hold my cart until I returned.
Shot over to the bank, just a minute or two away, and, within minutes, found out that I had just bought some surfing equipment (well, it is almost summer!), $200+ worth of smoking paraphernalia (what could that be?), some hunting equipment, and clothes at Macy's. All done online. Leaving me more than $1000 in the hole. Grrrrrrr.
Thankfully, the bank said because I reported everything so fast, they'll be able to fix my account so that the monies are returned and any NSF charges are reversed -- but, it wasn't funny. Hit my savings and headed back to the store. This is all well and good, considering it was a debit card. But, the thing that bothers me the most is that my debit card can also be used as a credit card. Credit card holders are protected after the first $50 has been taken from their accounts. Apparently, that's not the case for debit card holders, even though they can also be used as credit cards.
I don't want a credit card. I don't like them. Why should I be penalized for paying everything at time of purchase? (I mean, I wasn't but it's only because I reported it, in time for them to cancel the purchases.) When I bought my house back in 1990, they said I was having a problem because I had a credit card and that was considered 'risky'! Well, after getting the house, I finally got rid of the credit card. Whoopee! Then, I was ready to buy the house I'm in, now, and I was told I was a risk because I DIDN'T have a credit card! What?!?!?!? Apparently, banks think people who owe large amounts of money are more reliable than people who pay their bills and don't carry revolving credit. It's a world gone mad -- but, no madder than I am, at the moment.
I've thought about dusting off my cauldron and whipping up a good curse recipe from the old days, and then decided that would bring even more bad karma into the world, so I just let the jerks get off with a verbal cursing of, "May you end up living in your mother-in-law's house!"
For those of you who have just happened upon this page, I'm Entry #424 in a group of 1682 participants in this 2012 A-Z Writing Challenge! Do yourself a favor and check out a group of fantastic bloggers. You're bound to find someone you might like to follow. Don't forget to leave some loving comments and spread the word. It could even inspire you to think about joining next year's Challenge, yourself!