At dinner recently, my wife’s debit card was declined. We checked on the droid at the restaurant and there was plenty of money in it, but 6-8 unauthorized charges (napster, etc.) for $1.00 and other amounts. We immediately called the bank and canceled that account, and she got a new card etc., got the unauthorized charges removed.
That was on 9/17.
Today (9/27) she checked and found another one that was put through on the old account on 9/23, several days after that one was canceled. The bank was unhelpful - Wells Fargo - in explaining how the charge went through a closed account. When she said “if you can’t assure me that you won’t put charges thru we’ll take our business and $$ elsewhere.” The response was “do you want to speak to a banker to do that?” serious customer service issues.
Two of the charges (including the most recent) were to identity theft protection sites… my wife was told it might be a bigger effort to steal her ID. Has both of us a little worried. She jsut spoke to one of the identify theft co.'s, was told that there was an account opened in her name on 9/17, but using a different SSN (I suppose that’s good) and different address.
We also received something in the mail a few days later, some natural product, that was illegally ordered under her acct. When that company was called they said they had to have the acct number as well as the security code on the back of the debit card.
Anyway, any advice on what to do at this point? We do all the supposed smart stuff for id protection but not sure what if anything we can or should do at this point. She is calling the credit agencies at the moment to put a fraud alert on her account