PSA IV

1 December, 2009
Rat Fink

You just never consider that it could happen to you…and then it does. Then you want to smack yourself in the head.

PSA for today: check your credit card transaction history every month. The sad tale:

I have a credit card through PayPal (a division of evilBay). The Thriller, who pays the bills online every month, noticed that the balance on this account — which he always paid in full — never stayed at zero. Each month, there was a thirty-some dollar charge. He kept paying it, assuming I was just making purchases with it. He even made mention of it once, several months ago: “Your PayPal MasterCard balance…I keep paying it off and it keeps coming back with money on it.” At the time, I think I had charged something online, and I told him so. The matter was dropped.

Then yesterday happened. Long story longer: I spent the entire afternoon on the phone with PP’s fraud department. Seems a lovely bunch of chaps in Great Britain have been charging $40 to my credit card every month since January, just for kicks and giggles — right under my nose.

There’s probably no way I’m going to get my $400 back — I mean, it’s been months and this is eBay, fuh cryin’ out loud, who don’t give a dinkly doo about their customers — but I am sixpence the wiser. Never again will I just assume all is well. Chicanery to the left of me; jugglery to the right. You just can’t trust anything these days. I feel violated and stupid.

So, fiends, a lesson for those who have credit accounts, and for those who might in the future: be suspicious all the time. Never assume your credit card company (or bank) is watching out for you. Don’t believe their hype about “red flagging fraud.” A bogus company that changes its name every month and has a US toll-free number (that doesn’t work, of course — I tried them all) but originates in the UK is not cause for a red flag in their software? I’m not shifting blame, mind. But geez. What a way to run a railroad…

Anyway, I’ve done the research, made records of all the fraudulent charges, compiled them into a report, filled out all the paperwork and faxed it in. And that is how I spent my Monday afternoon.

Cripes.

FO

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Hiltbrunner
Hiltbrunner
1 December, 2009 6:46 am

Good luck with PP/Fleabay, they are about as helpful as 2WD truck in 4 foot of snow.

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RD
RD
1 December, 2009 10:28 am

I’ve never been on Ebay, but have heard of its poor customer service. I hope that in spite of the odds, that you get some satisfaction. More than a year ago, I was checking my credit card transactions online and discovered that someone had charged over $700 to it in Mexico for jewelry. I hadn’t been to Mexico, and I hadn’t lost my credit card. I phoned them immediately and they took it off of my account, closed that account and gave me a new account number. I have no complaints about how they handle this. I hope you have… Read more »

BoomR
BoomR
1 December, 2009 3:32 pm

I’ve been very fortunate with my Citi AAdvantage credit card (I get an AA mile for every $ I charge) They have called me off & on a half-dozen times over the past few years verifying that I’m in possession of the card. I use it mostly for business trip expenses. I go for months with no charges, then all of a sudden, lots of charges in places like Las Vegas, New Orleans, New York, etc. Evidently they have some software algorithm that flags that sort of thing. Also if you use the card @ the pump & then have… Read more »

BoomR
BoomR
3 December, 2009 8:17 pm
Reply to  Rat Fink

Oooo-weee! I forgot to tell you what came in the mail last week & this week!!

Last week: The former owners of this house (the wife) received a brand new Visa debit card. In a separate email there was a notice from the bank of her new debit card PIN number.

This week: A brand new box of checks for her checking account.

Guess who’s gonna get EVERYTHING they want for Christmas! LOL

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Maelea
Maelea
1 December, 2009 5:27 pm

Wow!!! That is crazy! I would be outraged if that happened to me. I hope that you get your money back :)

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Suzanne
Suzanne
2 December, 2009 12:20 am

Not very smart blokes, were they, only taking $40 *hehehe* Yeesh I hope you get your funds back. How did these hooligans get your number in the first place?

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