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!"
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