So the fraudulent charges on my debit card finally cleared today which meant I was able to call Bank of America and officially file a dispute. Apparently, whoever made the charges had a card present which means that someone made a fake card with my information on it. Normally I'd think this was creepy but this happened to me once before when I lived in NJ. Someone had withdrawn as much as they could out of my account at an ATM in NYC and then purchased a Metro Card with the remaining balance. Gotta love thieves. What I don't get about these latest thieves is why they'd choose to buy stamps. I mean, really? Stamps? You have access to someone's account and you choose to buy stamps on three different occasions? Weirdos!
I think the most annoying part of this whole experience was how many times I had to tell a BofA rep that no, I have not been in Texas. The rep today asked me if I was sure I hadn't been there. Do you really think I could forget going out of state let alone, to a place like Texas?
Anyway, they filed the dispute and they are giving me a credit for the amount which is supposed to clear on the 24th. The only thing left for me to do is sign and mail back the affidavit they are sending me. I can't wait to get my new debit card. I am not a fan of using cash because I don't believe in it. I feel like everyone should use a debit card, even though the system obviously has its flaws.
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