and three transfers are just the beginning.
Today, I popped onto my bank site to see what my balance was. These are the days of lean (the end of the month, right before I get paid, things get pretty skimpy in the ole bank account) for me, so I check, frequently.
I immediately noticed two pending transactions for companies I had not heard of….and who were from Arizona and Texas.
I know exactly what that means. I’ve been hacked. Again.
It’s bad enough to have your email hacked, that’s mostly an inconvenience. It’s pretty bad to have your credit card hacked, but that’s more of a nuisance. This, however, is my MAIN checking account. The worst thing in the world, because A)it contains all my money (“all” being a relative term) and B) every single bill pay and online account are tied to this number.
This means about a million hours of calls and online verification to change all these accounts. Of course, none of this can happen until I get my new card, which won’t be for 7-10 business days. That’s a long time to go without money.
Two things I did learn though. The account is tied to my checking, so if I used my checking account for something, it won’t be affected by the freezing of my account or subject to change. What this means for me is that 1)my direct deposits will still go through and 2)none of my major accounts are tied to my check CARD, but instead to my checking number, which is a relief.
Also that Wells Fargo will issue me a temporary card to use until my new one arrives, if I wish. That seems pretty bizarre to me, and kind of pointless, but still, I suppose necessary for some.
I guess I also learned that it is way more hassle to discover these things on your own. Thus the 20 minutes and three transfers. I had to answers a ton of questions. (*Should they catch the perpetrator(s) would I be willing to assist with prosecution? Do I keep my PIN written down near my card? Has my card been out of my possession since my last posted transaction? Does anyone else know my PIN number?* Fun things like that.)
I had to file a claim and wait for the claim to be processed and investigated, after which I will get my money back for the fradulent charges, but still.
One bright spot in all this, even though I have to get a new card, which means memorizing a new card number, they are still sending me a replacement with my favorite photo of me and CK gracing the new card. So that’s a bloody relief.
It kind of makes me think. Maybe all cash and no banks or credit cards are the way to go. Lord knows it would make a lot of things more inconvenient, but overall, I think I could make a strong case for luddism in our modern world.
Just another Monday, I guess.