By wild boomba on October 22, 2008
Everyone says, "This won't happen to me" and then it does. Someone got my debit card number and password in another state and went on a shopping spree. Thankfully my husband checks our accounts on a daily basis. It never occurred to me to do that. Now it does. And it should occur to all of us to do that.
Part of it is I never believe people are not intrinsicly good. I am so naive and trusting. I know I didn't use my debit card online or over the phone. I only use it to grocery shop and at places that don't take American Express.
We contacted our bank immediately and luckily we are not responsible for the charges since we reported the stolen identity immediately (another reason we all need to check our accounts every day). Even after we reported that the card was being used fraudulently, the person who stole my account number was still at it, charging away. He/she/it was denied use of the card at a Cracker Barrel and someplace else that I can't recall at the moment. But, he/she/it had used it at Macy's, and filled up two cars with gas, to name just a couple of things.
I am not sure if I should take the next step which is to go to my local police station in Illinois and start an investigation. The police in Georgia, where the fake card was used, told us we needed to start with our local authorities before they could get involved.
On one hand, we incurred no charges. But, on the other hand, someone somehow got my debit card number and password, made a fake card, and then used it as if it belonged to him/her/it. If it happened to me, it has probably happened to or will happen too many others. If people are able to make fake cards and use them fraudulently, shouldn't they be stopped?
What am I afraid of? Am I afaid the person who stole my identity will find me and try to kill me? Maybe. (I have a very fertile imaginiation!) If I do nothing I am not helping to stop this person who got away with it this time and probably will again.
I guess I got my answer. I think I have to report this to my local police in an effort to try to stop these people from stealing from other people as they tried to steal from me. And, if it happened to me, it can happen to you. And I wouldn't want to do nothing and let it happen to you.
What would you do?
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