The Conservative Cave
The Bar => The Lounge => Topic started by: vesta111 on August 24, 2013, 06:45:17 PM
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We got a call at 7 pm from someone that said they were from our bank, it is Saturday night from some one that said they were calling from our bank.
I turned the phone over to Hubby as he is in charge of our banking and bills. All I heard was him saying nope, nope and he hang up the phone.
Now my hubby is one of these unfortunate honest people that expect others to also be honest. He considers me to be paranoid as I am not to trust anyone and believe the worse of others.
He told me the caller wanted to know if we had made any transactions on our accounts lately, he said no and the caller hang up.
Now my female radar went up and Now as tomorrow is Sunday we cannot connect our bank.
I told Hubby that by Monday we may have a zero account in the bank, he still thinks I am paranoid.
Going to sweat this out for the next 36 hours, we may be living in a tent in the next couple weeks.
What the heck, as long as we have our dog, and each other, life is an adventurer.
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You let Hubby handle the important stuff, that's good, he seems to have a good grip.
You should leave it just so.
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You should be able to access your account by phone, or if you use an ATM card, get your balance.
I'm surprised they don't have a 24hr number, as all transactions these days are electronic.
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Dori. did you listen to anything that Vesta said?
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People--it's VESTA.
And Vesta, dearest, you call the bank. They NEVER call you. EVER. You can check balances online, or even over your phone. Almost any bank or credit union of any size has smartphone apps.
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I was called once by my bank's credit card company. I had ordered a book through Amazon that was only available through AmazonUK, and they wanted to verify that I had in fact ordered the book.
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I was called once by my bank's credit card company. I had ordered a book through Amazon that was only available through AmazonUK, and they wanted to verify that I had in fact ordered the book.
Yep, I've had that kind of thing as well. Kinda cool that the CC companies are watching on your behalf. I've had all sorts of crap/theft/fraud come up (Finland? c'mon, people, get a clue) and it's the CC company that usually calls.
On the other hand, I've called my bank on questionable entries made on my account. The bank investigates and never once have I been held liable.
Other than that, Sparky's correct. The bank simply does not call.
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My bank called once on my ATM card, asking about some recent charges to my account. They were mine, and I was told the reason they called was because it was out of my normal usage.
They must have a program that tracks all that and flags it.
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My bank called once on my ATM card, asking about some recent charges to my account. They were mine, and I was told the reason they called was because it was out of my normal usage.
They must have a program that tracks all that and flags it.
They subcontract to the NSA. :tongue:
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They subcontract to the NSA. :tongue:
Oh there is no doubt about them having all our banking info.
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Before I went to the South Pacific I called my credit card company and told them I would have charges from Guam to Micronesia To Polynesia to Indonesia. I didn't want them thinking someone else was having a nice vacation on my credit card.
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Before I went to the South Pacific I called my credit card company and told them I would have charges from Guam to Micronesia To Polynesia to Indonesia. I didn't want them thinking someone else was having a nice vacation on my credit card.
My bank did call one day to inform me that as my savings account and checking account was getting up there I was eligible for all kinds of free services, I told them to go ahead and load me up with all I could get---as long as it was free. Big disappointment as no free toaster was included.
As an after thought I asked the female caller for the balances in both accounts and by golly she gave them to me .
CRAP, I could have been the maid, a babysitter or a neighbor who answered the phone while I was in the bathroom. The bank was giving out our financial info. to anyone who answered the phone and said it was me.
Disturbing thing is Hubby stopped at the bank after work on the next day it was open and spoke with some manager to ask why someone from the bank would call us, HE/SHE told him that far as she knew this was not being done and someone must have been " playing a joke on us "
In this day and age she just dismissed the call and did not offer to put a flag on our accounts .
Problem the banks hire kids right out of high school at close to minimum wages. Slow times the tellers do other things, answer the phones and make appointments for different managers or even random call to invite people to use their bank.
These youngsters have little idea of the privacy laws and unless your accounts are flagged for a password anyone you write a check to can call and using your name and the numbers on the bottom of the check can call them and get info. on how much you have in your account.
Had a problem with deposit slips in the back of a check book not so long ago, woman meeting a guy in a bar was asked for their phone NO. and for some reason the girls would pull out the empty slip and put their phone NO. on the back. The guys would use the information NO. on the bottom and find a way to get into their account.
Oh the Scams, just for the hell of it, call your bank and find out how hard or easy it is to get information about your account over the phone. Tell them you are Handy capped or unable to come in the bank, say you're in the hospital, any excuse.
Still waiting here, Hubby says I am Paranoid, I tell him Paranoia is a survival instinct and those that are not are the ones that do not lock their doors and they yell when they are robbed.
Am I paranoid because I keep a fire extinguisher in both kitchen and furnace room, have both smoke and carbon monoxide detectors in my home, own a few weapons just in case, check the air in my tires on the Jeep or the oil ?
So we most of us do this, but when do we check our finances to insure they are safe ? Banks only cover your money to a point. The FICA ? is insurance the bank gets to cover your money, I know from family that if the bank manager does not pay the insurance premiums and he runs off with all the money, it takes years to get the money back if ever.
Mom got a huge bunch of flowers from her bank, seems records were lost and without her knowledge her safety deposit box was broken into to find the owner. Had she not had documents with her name and address on them, just family jewelry , or bronze baby shoes, she could have lost all.
Had she saved money in bill form for 80 years, the IRS would be have been at her door. How to prove taxes had been paid on saved money starting in 1938 ?????
I see why people put money in mason jars and buried it in the garden, today with interest rates, may be the best idea, not the paper money but the coins, one can steal $500.00 in paper money in a pocket but it becomes difficult to lug off that amount of money in half dollars or quarters.
Way things are going with Obama may not be a bad idea to stock up on those gold dollars that come from vending machines. We had one a coin changer at work, put in $10.00 bill and get 10 gold coins, good as USA money anywhere. I started saving them and found when I emptied my pockets at the end of the day just dumped them in a big pickle jar with the nickel and dimes, it began to add up. Surprising what amount of money adds up from pocket change every day.
Money is just money in paper form, when one looks at it in coin form, it becomes more real, so protect it find the loopholes in the banking system.