Unusual credit card activity detected

When I woke up this morning, I checked my email, like I always do, and I saw this. It said it was from Bank of America and the subject was security alert unusual credit card activity detected. Great! What has life thrown at me today?

So I opened up the email and I saw exactly what you see in the image. Do you recognize all of these transactions? Declined transaction for $149.96 and approved transaction for $397.77. Uh… no I do not recognize these.

Of course, I didn’t click on anything because I wasn’t sure if this was a phishing scam. So I opened the Bank of America app on my cell phone and immediately it asked me if those were transactions that I made or if I recognize them or whatever. I went through the whole process to mark it as not my purchase, not my responsibility and they closed my credit card down and are sending me a new one.

I am the cheapest person on the planet. I would not buy myself something for $150 or $400 that’s just going to be consumed into my body and pissed into a toilet. It’s just not going to happen. And if this was a gift basket, you can bet it’s not happening. I am not paying $400 for wine that I don’t even drink. I don’t even like the taste of wine. I don’t care if someone wants wine as a gift, they’re not getting it from me because I can’t afford $400 for wine. Heck, I can’t afford $400 for anything.

I waffle on getting anything new because I know I don’t really need it. I may want something, but as long as I know that I don’t need it, I’m not buying it. And I certainly don’t need to send gifts to people that cost $150 and $400. Never. Going. To. Happen.

Thankfully the first one was declined and also thankfully the second one was still pending which means the merchant never got any money and so the bank didn’t actually lose anything.

As for my credit card. My credit card was paid off. I had a zero balance. I still had some things being charged automatically, like my Dollar Shave Club charged me $15 for a razor cartridge and a toothbrush, my website charged me $12 for hosting and there was one other charge that I can’t even remember what it was, but it is legit. But the total that my card is at now is $35 and I will be paying that off in a couple of weeks when I get paid. So you can imagine that if I’ve paid off all of my debt, I do not want to have to start over with a new debt of $400 for wine and $150 for Gourmet gift baskets. I want a $0 balance. $35, fine or zero preferable. But I am not putting myself in debt again for a gift for someone I don’t even know.

Oh and my credit card is in my wallet all the time and I never take my wallet with me anywhere. I keep my ID and my debit card for my checking account in my cell phone case. I don’t know how my credit card got compromised. The only thing I can think is that one of the companies that charges me for services was hacked and that’s how they got the credit card number and the three digit code on the back. That’s the only thing I can think. Well, now I have a new credit card coming so I have to change everything to charge the new credit card.

I hope this doesn’t happen again.

No Christmas Photos To Share

I am very sad to say that there will be no photographic memories of our time in San Diego for Christmas. I didn’t take any pictures but there were lots of pictures taken of me that are now gone.

Chips brother took all the pictures and I’ve been waiting for him to post them all on Facebook. I emailed him yesterday asking him if he could please post them so I can share them here but he responded to me by telling me that his fanny pack had been stolen. His fanny pack had his blackberry, wallet with credit cards and his camera.

I’m very sorry for him that he now has to replace all that stuff but unfortunately there is no way to replace pictures.

What kind of person steals your fanny pack 2 days after Christmas? And what kind of person doesn’t say “you know what, he may need this SD card back at the very least to keep his memories with him always?” then mail it to him with no return address. I mean really people, you’re just going to turn around and sell the camera, it won’t go down in value if it doesn’t have an SD card in it.

All I can do is describe some of the photos.

When I showed the stockings to him, he wanted me to pose in front of the tree with each stocking one by one then with all 3 and since I don’t have 3 hands I had to rest one on my chest and since it was felt, it stayed on my chest. That made everyone laugh.

Random pictures throughout 2 Christmas parties in 2 days.

When the kids saw their stockings under the tree they were very excited and they got their picture taken holding them. Then everyone wanted to get the picture of the kids with me since I made them so Jordan who is the oldest and who got the santa stocking stood to my left and Andrew who got the snowman stocking sat on my left leg while Noah who got the angel stocking sat on my right leg while I held him since he didn’t want to be there lol. All the stockings were being held up to show them and the 2 kids had a huge ear to ear smile on their faces.

That last picture was really the picture that I was going to post here but since it’s now in the hands of a thief, I can never share them. So thank you to the Grinch who stole my Christmas moment from me.