You Were Clearly Banking On Your Friend Being Smarter Than That

It’s a Monday morning, and I’m woken up by my ringing phone. The caller ID says it’s my friend, so I grab it to answer.

Me: “What?”

Friend: “Best friend! Thank God you answered. I’ve been trying to call you since yesterday!”

Me: “What’s up?”

Friend: “I think my [Money App] got hacked. [Her Ex] has a bunch of charges on his account in my name from it, but they’re not mine! He’s at his bank trying to sort it out and wants to file a police report for it, but I told him not to! If work gets wind of this, even though I didn’t do it, I’ll be fired! I handle money; if they think I’m in trouble for theft like this, I’ll be on the streets! You work for a bank; what do I do?!”

Me: “Okay. You were probably involved in a data breach. Change your password.”

Friend: “I did!”

Me: “Contact this app and see if you can get an idea of where the money was spent and where the charges originated. That will help alleviate worries that you did it if the IP was too far away to have been you.”

Friend: “Okay! I will! God, this is awful. I never even got that debit card.”

Me: “Wait, wait, wait, back up. ‘Debit card’? This isn’t some app like [Popular Cash App]?”

Friend: “No, it’s like online banking and stuff. I ordered a card and never got it.”

Me: “Okay. You’re f****** stupid is what you are. Report that card stolen; you should have done that when you didn’t get it the first time. Figure out where the charges were done, like, X amount of money spent at [Big Box Store], Y amount of money spent at [Local Gas Station]. Go talk to the managers of those places and see if you can get security footage of the person using it. Or just file the police report as your card being stolen. That’s best, actually; do that instead. You won’t get in trouble if it’s a stolen card; you’re fine.”

Friend: “Oh! Okay. I was thinking maybe I should do that, but I wanted your input on it. I ordered a new card from them.”

Me: “If it’s not here by Friday, call them like you should have last time.”

Friend: “Okay, will do. I’ve been worried sick! I tried calling you yesterday, but I couldn’t get through!”

Me: “I work six days a week; if you’re having a crisis on my one day off, that’s between you and God.”