This week started off nicely enough and ended most annoyingly.
Thursday I went to fill the minutes on my cell phone. Yes, I have a drug dealer terrorist pay by the minute cell phone. I don't need to surf the damn web, check my email, or take pictures with my phone. The only people that call me (or I call) on my cell phone are:
1. Dr. Mad Scientist
2. Chunky's school
3. Moochie's daycare
4. My Big Boss
I'm pissed at #4 there. But whatever.
I enter all my credit card information.
Credit card declined.
Let's rewind to October 31.
I check my email and I've got an email from Bank of America's Fraud Department.
I click it and it says there are suspicious charges on my account and gives me a link to click.
Yeah, sure. And maybe a Nigerian prince will make my dreams come true, right?
So I clicky on over to Bank of Skanmerica's website and log in. Sure as shit, they've disabled the link to view my credit card transactions.
It's 8:00 a.m. on a Sunday and I log off of their website vowing that I'll call them soon.
15 minutes later the phone rings and it's an automatic Bank of America call.
They need me to verify some "suspicious charges." I listen to the schpiel and they list the charges they need me to verify.
Friday, October 29 --- $30 in gas.
Saturday, October 30 --- $32 in gas.
I knew Dr. Mad Scientist filled up his car on Friday and I had filled my car up the day after. I approve the charges through the robo call and the mechanical woman calling informs me that my credit card will be unfrozen in 5 minutes.
Zip Zop Zoot--it's now Friday, November 5. I'm running low on gas again (have I mentioned Moochie's old daycare location closed down and now I have to drive him further to daycare?). I go to hand the attendant my card (stupid New Jersey gas-pumping laws) and he hands it back a minute later telling me it's declined.
Miffed, I give him my check card instead (I charge my gas because of those stupid New Jersey pumping laws and my fear of a gas jockey getting my debit card number. I have more fraud protection -- as you're beginning to see -- on my credit card for unauthorized purchases).
I get to work and call up Bank of America. I'm transferred to the Fraud Department where the real people work (not the robocallers). While I'm on hold for the Fraud Department, they disconnect me.
So I call them up again. I explain the whole situation AGAIN and I am asked all those stupid verification questions AGAIN.
They tell me there are suspicious charges on my card. One for Fedex, one for Netflix and one for the SOE Station*.
At this point, I'm not sure if these charges are kosher or not. I know sometimes Dr. Mad Scientist makes copies for his classes at Fedex/Kinkos, we have a Netflix account that gets charged to this card, but I'm not sure what the SOE Station charge is.
I ask them what exactly the SOE Station charge is.
"It's a game/hobby categorized purchase."
I ask, "So what does that mean?"
"That's the type of purchase it was."
"But you can't tell me what
it was for?"
"No, I'm sorry m'am."
At this point I'm just plain irked.
I ask her why I was called on Sunday about possible fraudulent charges, was told my card would be unfrozen and based on my experience that morning, it wasn't.
In hindsight, I think it was NEW charges the flagged the card a second time.
However she responded "Well because you didn't actually talk with someone, your card wasn't actually unfrozen." (The Fedex, Netflix and SOE Station store charges happened around the same time as the gas charges).
I asked her what the point of a robo call was to "verify charges" if in fact it didn't verify charges and I was told something would happen that didn't happen.
"I'm sorry m'am."
She must have said this a million times.
Ok, so I know it's not her fault she's stuck in a shitty job dealing with people like me irked at the people that pay her her paycheck, but seriously, the 10th time you say "I'm sorry m'am" it starts to lose it's sincerity.
At this point, I've gone from irked to pissed and I tell her to just authorize the fucking charges. I figure I'll keep an eye on the charges made to my card online and I can call them up if anything suspicious comes in.
Time warp to Wednesday. I'm online, and I notice the "pending" charges of $1 each to Fedex, Netflix and SOE Station have disappeared. (They were allegedly flagged as having been "keyed in" as opposed to swiped. Huh, never mind they never flagged anything I've bought online w/that credit card before. You have to key in your credit card number when you buy online right?).
Cool. I figure everything is as it should be.
And then on Thursday of this week I go to fill up my cell phone--something I've done how many times before with that credit card--and DECLINED.
I call the jacknards at Bank of America up AGAIN.
I get the same song and dance.
"I don't know why your account was frozen."
I inform Denise (the poor girl who had to endure my vitriol) to do what she had to do to make this right and to inform her supervisors that I have had it with Bank of America, I was going to be paying off the card at the end of the month and NEVER CHARGING ANYTHING ON IT AGAIN.
"I'm sorry m'am."
Later in the day, I went onto the Bank of America website and looked at my credit card account--and there was that weird SOE Station $1.00 charge again.
Sigh. Guess I'll just keep an eye on it.
And in the meantime I've applied for a new-non-Bank of America credit card.
I'm also shopping around for a new bank in the meantime too.
*SOE Station is a Sony Online Entertainment store--online video games and shit. Not sure what that's all about. I wonder if our number wasn't stolen by some gaming people??