I got a phone call on my cell phone today, promising money if I would confirm my identity.

[Ptah]

So I did reveal the requested details.
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I will be receiving a direct deposit of $X,XXX in my checking account every month!

[ailsagirl]

1. I got a phone call from B of A saying there was fraudulent activity on my card

And they were right. How does this happen???? Whenever I call them, it takes 10 minutes just to id myself.

I had to close that account and open up another.

The merchant was a UK website.

[RebelOne]

3. I have a BoA account and was notified

that there was fraudulent activity on my debit card. Fortunately, it was a very small amount. But it was a pain in the butt to have cancel the card and get another. I did some detective work and know where the fraudulent charge came from. My brother was in prison in Florida and I sent him some food from the prison store and someone got my debit card number and charged $7 at another website.

Many here do not like BoA, but they do keep tabs on their customers' accounts and when they detect suspicious activity, you are notified immediately.

[ailsagirl]

7. I'm truly glad they keep tabs on the charges but...

I still really loathe B of A

[Locut0s]

6. They run some extremely complex algorithms looking at activity on all accounts...

They build up a statistical / mathematical profile of each person and check every transaction against said profile to see if it matches. These algorithms are pretty good at flagging unusual activity.

[ailsagirl]

8. They once contacted me because

I had a flurry of small charges on my card

Every charge was mine, I'm glad to say (or unfortunately)

Your post would explain how they track these things down-- I didn't realize they went to those lengths

[Ptah]

2. Thank you, FDR for Social Security.

And the Fort Peck Dam.

[RebelOne]

4. I thank him a million times over.

If I didn't have my Social Security, I would be living out of my car and eating cat food.

[ailsagirl]

9. It's really true

THANK YOU, FDR!!



I have to say, that photo of the dam gives me chills. Its immensity is staggering.
There isn't an official name for being "dam phobic," but there ought to be.

[Locut0s]

5. I like the ones from some call centre in India saying I have a virus on my Windows PC.

I ran with it for a bit the last time I got this one.

So I asked him. "Oh, ok so what's my IP address".

Moment of silence.

"No, sir, you have a virus on your PC"

"Which PC, I have a couple of them here. If you know I have a virus on one of them you must know its IP address"

More silence. "you have a virus on your Windows PC"

Can't remember what I said after this but I think they hung up not long after

[ailsagirl]

10. Hah!!

Good for you

[ailsagirl]

11. Ptah, I didn't mean to hijack your thread

Sorry!!