What a disaster...
💰Friday, May 24 💳
I could scream. I was out walking in the forest. Happily I had my phone with me. The bank's credit card fraud department phoned me and asked if I'd purchased something in Vancouver, as the IP address did not match my Ontario computer address. They wouldn't allow it to go through until they checked with me. I said I was not shopping there. They cancelled my card. This happened before, and now I'll have to change all my credit card automatic payments to my charities. I'll get a new card next Wednesday, they think.💸 💸 💸 💸 💸 💸 💸 💸 💸 💸
🏦 Saturday, May 25
I was sent an email telling me that we’d used up our daily withdrawal limit of the chequing account.
Almost $1000 in 5 different transactions. I phoned them right away. Both my cards are now frozen. And I may or may not get my money back, after they review the file. How can people do this to one another?
I changed my banking password.
I had to phone them back. The fraud department cancelled my debit card. I cannot log into my bank account online. Our banks are closed on weekends here in rural Ontario. Monday I'll get on this.
It's going to be a long week. Direct deposits, automatic payments, closed accounts all have to be changed.
Sunday, May 26
More deductions from the chequing account. Back on the phone to the bank. That's $972.19 missing Saturday morning, and $578.09 Sunday. Total, $1550.37 .
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Mon., May 27
I emailed and phone our bank manager. She saw us first thing Monday morning. She explained that the Friday call did not come from the bank. I was a victim. There will be an investigation, and if it is my fault we won't get any money back. I figured that after my first phone call Saturday, they should have done something.
We have a new working account and new debit cards. The other accounts are set to deposit only, no withdrawals. My VISA was never compromised.
Later that day, I realized I had to phone our manager back, as she would have to transfer some money from our savings to the new account for us. Thankfully they didn't get their hand on that.
Tuesday
Lots of emails (14) to settling things, and companies wanting to know why my VISA doesn't work. (Koodo, Paypal, Amazon, iCloud, TorStar)
We'll have to change the direct deposits, like CRA, OAS, CPP, our pensions.
Wed., May 29
Awake at 4:30 a.m., pondering our banking issues, I was happy to have slept in until then.
It was a buggy, rainy day on Tuesday, and I must admit I accomplished little else than worrying. Lots of phone calls and emails, trying to resolve the account fraud. There have been lots of emails from my automatic payments. They didn't have my VISA number, just my bank account number. My VISA was still whole. Our old accounts are frozen, deposit only.
OAC and CPP came in. Whew.
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What to do if you're a victim of fraud (Canada)
- Collect your thoughts
- Contact your financial institutions
- Contact the police
- Report the incident
- Protect yourself from future fraud
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