Have you ever been solicited by your own bank to pay your outstanding bills? Me either. Well, not until today. FRAUD ALERT
My first frustration this morning was trying to get cash from the ATM and being denied. GREAT! I reluctantly made a deposit. I sucked it up, dropped dd off at pre-school and went to the bank. The nice man told me there was nothing wrong with the ATM and my acct. seemed to be fine, nothing out of the ordinary. I wrote a check, got cash and left.
DH calls because his ATM card was decline when he tried to pay for lunch. FABULOUS! I relay what happened, gave him the number to call the man I spoke to in the branch. He borrowed money from his coworker.
I call the branch. I get many apologies and remarks about 'what might be' happening because no one seems sure.
Pick up DD, run errands, come home to a message from out bank. The lady told me that Discover called them and is having an issue processing out last payment for ex amount. Please call Discover at (xyz)555-1111 as soon as possible.
We don't have a Discover card!
I checked the caller ID to find the call came from the local umber and it said our bank name on the caller ID, too. I called the number on the caller ID. I waited for a very long time on hold. When the lady got back to me she assured me that no one called from the call center. She wanted to know who called and I couldn't tell her because no name was given. I called my VM and played the message for her. She said she couldn't help me. UGH!
I called the local branch that I had been at earlier and explained what had happened. I played the message for her. She took notes and took the number that the I was supposed to call to 'contact Discover credit services' and contacted the fraud dept.
The number was a land line. The name on the account wasn't Discover, and it supposedly was in a man's name. The lady from the branch called me to tell me that supposedly people can change caller ID statuses to help them commit fraud. Did you know that? I sure didn't!
I just had to cancel all of my accts. Debit cards, checking + other accounts.
I'm glad it didn't go further than this. I am so creeped out right now.