A community of 30,000 US Transcriptionist serving Medical Transcription Industry

This is a poll only, not to have people bickering

Posted: Feb 24, 2014

I am too old and too tired to continue to fool with this mess. I have over the past 3 years had my debit card and my credit card (both with BOA) shut down completely. Yesterday I got email stating my credit card because of "possible fraud" on the account. I am never called, just shut down and I have to go to the bank, get new debit and lots of frustration for me. I shopped at Christmas close by my home and had the debit shut down, without notifying me first, because it was a store I "didn't normally shop at." I understand they are watching out for fraud but I am never notified first, just off with the card. Have had the same cards for 20+ years now.

My question to others is - if you have a debit, credit or both have you been shut down on your account or are you notified first, asking if perhaps you are making a transaction?

;

We choose not to use debit cards - But...

[ In Reply To ..]
...if our credit card company sees more than our usual activity or suspicious activity, they will call to make sure, but they do not shut us down until they talk to us. (Never used a debit card, so I don't know how that works.)

By "more than our usual activity" , they mean they see, say, more than $2000 in a given month than we normally spend. By "suspicious activity," one time they meant they noticed a lot of gas station activity crossing state lines. We were moving to Florida from NJ and drove the whole way. But no, never been shut down until they spoke to us.

I would imagine they're extra careful with debit cards, because there's no turning back---it's gone from the account in the blink of an eye. With a credit card, there's a delay before the money is withdrawn from your bank account.

I have had that happen once. (sm) - Rose

[ In Reply To ..]
I was running errands and shopped at 3 stores, one after the other. At Walmart my debit card was denied at Walmart when I had plenty of money in my account (loooong time ago). I had to go to Customer Service and call the bank, answer security questions and confirm that I was the one that made recent purchases, then they approved it. It was very embarrassing to delay the others in line who probably thought I had insufficient funds since they didn't give a reason.

Sure has... - no notice

[ In Reply To ..]
It happened last year on vacation out of the blue. I had a huge cart of groceries and was told my card didn't work. I was pretty embarrassed. What was weird is that we have used that card at that exact store several times, as we always vacation in the same place, so it seemed pretty arbitrary. I just went out to the car and got a different card and called the bank. They reactivated it without any problems.

To differentiate between - Being cut off and card not working

[ In Reply To ..]
...sometimes our credit card just doesn't work, don't ask me why. But it has nothing to do with we have no funds. We don't know if it's the magnetic strip getting funky or what.

One time, I gave our credit card number to someone on the phone because I was signing up for a class, and for some reason, her end denied it. I called the bank and the mystery was never resolved; they said we were in good standing and all that, so who knows.

From a business owner - Nik

[ In Reply To ..]
I sell gift certificates by phone, and if I do not get every bit of pertinent info from the cardholder from the security code on the back right down to their mailing address, the credit card company absolutely denies it. I have been embarrassed when a customer is treated like they did something wrong when it was my fault. On the other hand, many people get slightly miffed as they are answering a lot more questions by phone because the increased risk of fraud whereas at a terminal you just swipe and that's it.

BOA has a very vigilant fraud department, but yes - it is frustrating SM

[ In Reply To ..]
I have BOA too and have also had my cards shut down a few times. I occasionally do a lot of shopping online and it goes like this:

Without me knowing, they've frozen my account so my purchase is denied. Within about 10 to 15 minutes, I will get a phone call from their fraud department, as well as an email from their fraud department. The phone call and email always come AFTER they have shut my card down, never before. I talk to them, verify my recent purchases, and then they reset my card so it'll work again.

It's frustrating, but I put up with it because one time there WAS some kind of fraud going on with some purchases that I had never made and they caught it and shut my card down. That's the only time I had to actually replace the card and wait for the replacement card in the mail. All the other times (which were legitimate charges by me), they simply "cleared the fraud hold" on my card so I could start using it again.

OP- my husband has debit card from California - and we live in SC.

[ In Reply To ..]
He uses his card any and everywhere he travels, never has to call to say he will be in this state or that state, never has had his cancelled, nothing and his job consists of traveling. I am finished with BOA. When your bank scares you with their practices, time to get out. Thanks all.

BOA - TravelinMT

[ In Reply To ..]
I have traveled all over the U S. on business and pleasure with my BOA debit/credit card and have never had it blocked. There were cities that had no BOA branch so I would use grocery stores/Target/Walmart to get cash back and never a problem.

The only time I notify my bank or credit cards of travel is when I am going out of the country.

I understand why they just shut them down, when a card is compromised it is usually done with a scanner and within hours they can charge thousands of dollars. Remember...if they don't catch the people the bank/credit card company has to eat the loss...not us.

Consider yourself very, very lucky - because mine closed down

[ In Reply To ..]
because I shopped at a store at Christmas about 10 miles from my home that I do not normally shop at. Nothing compromised then. No one, not my husband, not my daughter have the same issues but then they bank at a different bank. You can be over zealous and in this case, with this being the 5th time it has happened to me, just too much. I was on a trip this past year, had that happened (although I told them up front about my travels) I would not have had my debit for 3 days, carry no cash so would have been left on my fellow travelers to show me some mercy and perhaps buy me something at least to eat.

I have a Capital One and they sent me a new - card with new number

[ In Reply To ..]
because I shopped at Target.

Get two checking accounts - with two cards

[ In Reply To ..]
then if this happens again you can transfer funds from one bank to the other and use the other cards.

Or you could utilize checks. Even if the card is shut down you should be able to write a check.

Similar Messages:

Feb 21, 2012
I just don't understand why we cannot see that we are heading in the same direction as Greece. No politician running for president...including our current president.....has done anything or will do anything to stop the outrageous spending that we have going on in our country. Politicians jumping up and down about extending the payroll tax cuts when all that does it hurt social security even more than it was hurting before. They say there is no inflation going on so o ...

Dec 10, 2013
Perhaps when they are affected as I have been, they will understand. I know I am in a negative place with it - and I simply was trying to find out others experiences. I am glad there are positives, I truly am. My question was not intended to be "loaded" or "cause decisiveness" .... Peace, over and out ... live on thinking you guys know everything. At least I asked and was willing to consider/believe something different than I feel/think. ...

Aug 04, 2016
polling 25-30 percentage points behind Clinton. Quite the convention bump! It's over people! Trump has finally pounded the final nail into his own coffin. He has no one to blame but himself. Even republicans are crossing over in big numbers and encouraging others to do so. ...

Sep 11, 2012
The campaign to mislead the public, discourage conservative voters, etc. is underway, full bore. Do NOT believe ANY polls. Think for yourself - and VOTE, regardless of any polls that might suggest that Obama has this sewn up. The DNC had a disastrous convention and they're also trying to make that look like the best thing since conventions began. (You can tell from the desperation of his campaign strategy that HE knows he doesn't have it sewn up.) ...

Nov 05, 2009
Real Clear Politics Poll Job Approval Approve Disapprove Spread Obama 50.6% 44.4% +6.2% Congress 24.8% 66.4% -41.6% Direction of Country Right Direction Wrong Track Spread RCP Average 38.8% 55.5% -16.7% ...

Apr 06, 2011
48% Say Their Views Closer to Tea Party Than Congress Tuesday, April 05, 2011 In the ongoing budget-cutting debate in Washington, some congressional Democrats have accused their Republican opponents of being held captive by the Tea Party movement, but voters like the Tea Party more than Congress. The latest Rasmussen Reports national telephone survey finds that 48% of Likely U.S. Voters say when it comes to the major issues facing the country, their views are clos ...

Aug 10, 2016
Trump supporters select like. Clinton supporters select dislike. ...

Aug 12, 2016
Killary supporters to have a very bad day. Looks like Trump has 58% with Jill Stein in second place. Take it yourself and be heard, at least a little bit. ...

Feb 28, 2017
of President Trump's speech watchers react positively. ...

Nov 07, 2014
Which motto do you live by? "All things in moderation" or "Life is short, indulge and enjoy it while you can." ...

Feb 11, 2010
It's too funny - http://www.cnn.com/ Poll is towards bottom on right. The poll is about her readiness to be president. ...

Mar 14, 2012
With all the recent news from Afghanistan (most of it bad), I just wondered what the opinion of those here on the board was about whether we should stay and try to make things right or get out now. ...

Jul 03, 2012
Fox, did you say? FAIL! CNN, did you say? FAIL! This poll comes from the CNBC website. ...

Aug 08, 2012
despite pessimism about the future, American voters do not appear to be holding it against Democratic President Obama. A Reuters monthly poll, conducted after Romney returned from his overseas disaster and following release of July jobs numbers, shows growth in President Obama’s lead among registered likely voters. The democratic-style “otherness” argument, that Romney Hood is out of touch with those voters residing outside the 0.1% privileged circles, seems to be t ...

Oct 04, 2012
CBS conducted a poll of 500 people who watched the debate. Poll Romney Obama Who won? (CBS) 46 22 Who won? (CNN) 67 25 Romney jumped 33 points on "cares about their needs and problems". 56% say they view Romney in a better light. ...

Feb 12, 2013
Like or dislike this: Despite some policy flaws (drones for example) ON BALANCE, President Obama/VP Biden is a huge improvement over the last regime (Bush/Cheney). On balance, this man actually cares about ordinary people. ...

Jun 18, 2013
Just wondering.............as an at-home MT, do you get dressed daily for work, such as fixing hair, donning makeup, putting on "out in public" clothes, do you roll out of bed and work in your PJs or work in some comfy yoga pants? Just thought it would be interesting to know:) ...

Jul 20, 2016
It's so obvious it doesn't bear debate. Just reply "yes" or "no". ...

Dec 04, 2013
http://www.caintv.com/harvard-poll-young-people-dont Maybe that's because the data shows they're not too happy with the way Obama has handled...well....anything. ...

Apr 15, 2014
that they would approve of him taking up painting as a hobby. Discuss. ...

Jul 03, 2014
I did this little survey poll on favorite cookies. To keep it simple, there were 2 families, both with 5 kids, called the Blue family and the Red family. The blue family voted like this: Peanut butter -- 1 Chocolate chip -- 1 Oatmeal -- 1 Ginger -- 1 Oreos -- 1 Sugar -- 0 The red family had never tried any other kind of cookie but sugar, and so voted like this: Peanut butter -- 0 Chocolate chip -- 0 Oatmeal -- 0 Ginger -- 0 Oreos -- 0 Sugar -- 5 So the total results were: ...

Dec 24, 2016
47% of Americans think Trump is going to drop a nuke somewhere. Now there's something to look forward to. ...

Dec 04, 2010
x ...

Feb 13, 2010
Posted by Robert Hendin February 12, 2010 1:18 PM Of all the very information that came out of the recent CBS News/New York Times poll, one question stuck out, that of taxes. Here's the poll question: "In general, do you think the Obama Administration has increased taxes for most Americans, decreased taxes for most Americans or have they kept taxes the same for most Americans?" The answer: • 24 percent of respondents said they INCREASED taxes. • 53 percent said they kept taxes t ...

Apr 14, 2010
see link ...

Aug 08, 2012
ELECTION 2012 TRACKING Aug 1-7, 2012 – Updates daily at 1 p.m. ET; reflects one-day change TRIAL HEAT CHANGE Obama 47% +1 Romney 46% - ...

Aug 29, 2012
It will be interesting to see what, if anything changes in a week or so after the convention. Polling Data PollDateSampleMoEObama (D)Romney (R)Spread RCP Average 8/13 - 8/28 -- -- 46.8 45.7 Obama +1.1 Democracy Corps (D) 8/23 - 8/27 1000 LV 3.1 49 47 Obama +2 CBS News 8/22 - 8/26 1051 RV 3.0 46 45 Obama +1 ABC News/Wash Post 8/22 - 8/25 857 RV 4.0 46 47 Romney +1 CNN/Opinion Research 8/22 - 8/23 719 LV 3.5 49 47 Obama +2 ...

Oct 03, 2012
x ...

Jan 23, 2014
I'm not posting a link because it will be knocked around. The latest Q poll data are all over the Internet. BO's numbers are really bad overall, but not bad with regard to protecting against terrorism. ...

May 08, 2014
Ever heard the phrase, "Unite based on what you have in common?"Curious: What do the various factions on the board think we have IN COMMON? ...