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Mom Confessions Mom Confessions

I was stupid and as a result I was robbed...crappity crap.

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I am sooo mad and upset right now. I did something stupid and the universe saw fit to kick my ass over it. I went to CVS for medicine at 1 am yesterday morning and left my wallet in the console of my car when I got home. Just my luck someone decided to go through my neighborhood and break into cars. My car was one of six cars. They left the wallet but took my driver's license, two credit cards, my bank card, and I THOUGHT they took checks from the book that was in the wallet. We filed a police report (which is how we know about the other cars in our neighborhood), canceled the three cards, and had an alert put on our bank account. Suntrust told us that if we could figure out which check numbers were stolen they could cancel them or block them...something like that. Well either I had another book of checks somewhere in my car OR the thieves took a deposit slip or wrote down our account and routing info because all the check numbers add up to what I have in my register.

Wellll, even with the alert on our account, someone went IN to a branch and wrote a check out to cash, as me with my license and emptied our bank account down to a zero balance this afternoon. The guy I spoke to over the phone put it through to the claims department and said they should get the money back to us tomorrow and be able to give us the name of the branch the check was written at. I am freaking out. Payday is tomorrow. I still don't have a driver's license because I was waiting on my new bank card to get here. My husband has been relatively cool about this but now says I can "clean up this mess" without him. I don't know what else to do. Can they block ALL our checks??

by on Jan. 30, 2013 at 10:28 PM
Replies (41-50):
xElizabethx
by Silver Member on Jan. 30, 2013 at 10:57 PM

They did! The guy I spoke with said that is why we will get back all that was taken out. Apparently federal law says everything but $50 has to go back? I don't really understand the details.

Getting it back is great. I'm freaking out that someone will do it again because having the alert didn't stop it from happening this time and DH's paycheck hits our account in the next few hours. I know now that I need to close the account but I guess I have to go to the DMV first thing and get a new license first because I don't have a passport or any other ID. This is such a huge pain in the ass.

Quoting TashaB82:

I would have thought they would have put some kind of alert on your account. 


tossed
by Platinum Member on Jan. 30, 2013 at 10:58 PM

I am so sorry and glad that you were able to contact your bank and have an alert put on your count so that you are protected. I doubt the clerk looked very closely at the id presented. I have been amazed over the years that so many clerks don't even look at ids. I can't tell you how many times my son used my account without being questioned. 

Don't beat yourself up any more than you have. Things happen. My wallet once fell out of my purse in a rental car. The thieves put a brick through the window. Good luck. I hope things resolve quickly.

BamaMomto4
by Silver Member on Jan. 30, 2013 at 10:59 PM


At my bank you can get money out without using a bank card or a check with the account holders name on it.It's called a counter check . It is a check that ha sno information onit. All someone would need is your name and account number to fill it out and cash it.

Quoting xElizabethx:

So what really freaks me out about this is that it apparently happened just minutes after I got home. I didn't see or hear anything out of the norm. The police said one of my neighbors went out to get cold medicine for her kids and came back at 1:30 am and 10 minutes later noticed a light on outside and it was the dome light for her car. I was trying to avoid closing the account because we have stuff go in and come out automatically. I wasn't really concerned since we cancelled the cards so fast and all the check numbers were accounted for. If the answer to this question is yes then I am going to sound super dumb...can you walk into a bank and withdraw money from an account without a bank card or check??



Lisa

TashaB82
by Tootie on Jan. 30, 2013 at 11:01 PM

Oh wow. That's just a big headache. Hope they catch the jerk and sorry your having to go through this.

Quoting xElizabethx:

They did! The guy I spoke with said that is why we will get back all that was taken out. Apparently federal law says everything but $50 has to go back? I don't really understand the details.

Getting it back is great. I'm freaking out that someone will do it again because having the alert didn't stop it from happening this time and DH's paycheck hits our account in the next few hours. I know now that I need to close the account but I guess I have to go to the DMV first thing and get a new license first because I don't have a passport or any other ID. This is such a huge pain in the ass.

Quoting TashaB82:

I would have thought they would have put some kind of alert on your account. 



tossed
by Platinum Member on Jan. 30, 2013 at 11:01 PM


My son's identity was stollen because the BANK had a lost shipment of documents (complete with ssn, mother's maiden name, etc.) We had to cancel the account and he was not able to open another one for a year because the thieves kept finding the new info and running trial charges through and then, when the charge went through, they would put through a larger charge. Nightmare. The charges were all from Nigeria. Hopefully, your thieves are not as sophisticated.

Quoting xElizabethx:

They did! The guy I spoke with said that is why we will get back all that was taken out. Apparently federal law says everything but $50 has to go back? I don't really understand the details.

Getting it back is great. I'm freaking out that someone will do it again because having the alert didn't stop it from happening this time and DH's paycheck hits our account in the next few hours. I know now that I need to close the account but I guess I have to go to the DMV first thing and get a new license first because I don't have a passport or any other ID. This is such a huge pain in the ass.

Quoting TashaB82:

I would have thought they would have put some kind of alert on your account. 




SLMitchell
by on Jan. 30, 2013 at 11:03 PM

Isn't it great how men are perfect and never make human mistakes?

I am sorry you are going through this.  I agree with the other ladies that advised you to completely close out your account.

xElizabethx
by Silver Member on Jan. 30, 2013 at 11:03 PM

Apparently I'm a noob in more ways than one because I didn't request that the account be frozen or canceled. The person I spoke with over the phone (it was after bank hours so it was the 1-800 number) said it was standard to cancel the cards, put an alert on the account, and if we had the check numbers that we thought were taken they could put blocks on those. I'll be going to the DMV first thing in the morning to get a new driver's license and then I'm heading to the bank. I know a lot of this is my fault but I'm still pissed. I can't imagine this person really looked THAT much like me. What are the odds of a douche breaking into my car, seeing my license, and realizing that we're apparently long lost twins.

Quoting FooLynRoo:

any bank should know to close the account they don't need a check just the account number. demand a manager why the account wasn't frozen immediately. good god


lalaboosh
by on Jan. 30, 2013 at 11:04 PM

Yeah, and sign like you. Does your bank have you sign for stuff? When I had a bank account I had to sign to make a withdrawal. It seems odd that they'd let a customer just empty the bank account to zero without looking a little closer at the ID and the face on the person.


Good luck, I'm glad your bank is working with you. I hope your husband comes around and helps out, we all make mistakes. What the point of being married if you can't get your partner to help you fix some mistakes sometimes? Jeeze!


Quoting ilovemykids323:

 they can close that checking account and open another one for you. I'm still trying to figure out how they could use your id they would have to look like you to get away with that.



JDmommyJD
by the sauce is boss on Jan. 30, 2013 at 11:04 PM
Did you call the police back and tell them your bank account was emptied? They can get the banks security cameras and hopefully catch the pricks!
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xElizabethx
by Silver Member on Jan. 30, 2013 at 11:07 PM

They do! They also scan the checks and keep the actual check for a short time period. I will be forwarding all of this information to the police officer that took the report. Hopefully they will be able to identify the person through the video or prints. They lifted three prints from my car but they said the only one that has enough detail to do anything with is a half palm print from the outside of the door. The crime scene tech guy said they don't have an automatic or online (something like that) database of palm prints like they do of finger prints so it is only helpful if they make an arrest and the prints match...something along those lines.

Quoting Mrs.Torres2566:

Doesn't your bank have camera's so you get the person who stole your money on tape and have them arrested?


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