This Bank Is So Cancelled

, , , , , , | Working | January 5, 2021

I am a female in my twenties. I am on my bank mobile app reviewing purchases and withdrawals from the last few months when I notice a couple of charges on my debit card that I don’t recognize. After determining that they came from two online stores that I have never visited, I decide that I should cancel the card and get a new one issued. The charges only total about $6, but I know thieves will sometimes test a card with a small purchase to see if it works before making a larger one.

I drive to the bank and ask the teller about how to get a new card, and they direct me to a specific manager’s office.

Me: “Hello, I was told you could help me get a new debit card issued. There have been some fraudulent charges on—”

Manager: *Interrupting me* “Are you sure they were fraudulent?”

Me: *Pauses* “Yes? I reviewed where the charges came from and I don’t recognize them.”

Manager: “You must just not remember. Happens all the time. I’m sure you went on a shopping spree with your friends and forgot about something that you bought.”

I am definitely not the type of person to go on random “shopping sprees” with my friends nor forget what I purchased, and it irks me that she is stereotyping me in this way, but I try to remain calm.

Me: “Um, no. These charges came from online stores that I have never even heard of. If you bring up my checking account, I can show you. One was on [date] and another was on [date].”

Manager: “We can’t refund those. We can only refund you if the purchase was made less than thirty days ago. If you really thought someone was using your card, you should have come in sooner.”

Me: “I understand that. The charges were only about $6 and I didn’t notice them until very recently, so if I can’t get reimbursed that is fine. I just want to cancel this card and get a new one.”

Manager: “It’s gonna be a long process to get a new one, you know. You won’t have a debit card for several weeks until the new one comes in. Are you sure you didn’t just forget you bought something? This is going to be a lot of trouble over only $6.”

Me: “Yes, I am positive. I have other credit cards I can use, or cash. It’s not about the $6. I do not want more, larger fraudulent charges showing up on my bank account, so I would like a new debit card.”

She eyes me for a moment longer, as if waiting for me to realize I’m making a huge mistake.

Manager: “Fine, I will cancel your card and order a replacement. Your new card will be mailed to you.”

I eventually received and activated my new card without any issue, and I thought this was the end of it, until about a year later. I received a parcel in the mail from my bank, and I was surprised to find it contained another debit card… with my old card number and an updated expiration date. The card, it seems, was never cancelled, so I’ve apparently had two open debit cards attached to my bank account for over a year. Luckily, it doesn’t appear that any more fraudulent charges were made, but I will be calling my bank tomorrow and demanding to speak to anyone ELSE who can cancel my old card.

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