Every now and then, Bank of America would call me to verify charges, which seemed annoying....they most often would do it every time I placed an order with NewEgg.com. Of course, NewEgg.com doesn't charge the card at the time of checkout, so you don't know what's going on when they do process the charge, and telling them to try again doesn't work.
But, recently I found my card wasn't working. I don't use the card as much at the moment (with the current Cash Back promotion on Discover), but still there are occasions...like during Black Friday/Cyber Monday...
I call to find out what's up, and keep getting disconnected from one number that's supposed to be available 24/7. I then call another number, and they tell me that there's a fraud lock on my account and that I need to call the fraud security number. The 24/7 number I had been calling. But, then the customer service rep adds, that they're closed right now and to call back tomorrow after 8am. Huh?
After this I check my caller ID log to see if any Bank of America calls had been received. There hadn't been, but I recognize one of the unlisted 866 numbers. It called at 11:34am on November 29th, and left no message. That hardly counts as a contact attempt, since in the past they do leave messages and they used to be identified as from Bank of America. Though recently Discover did the same thing, where in the past the calls came from an identified number (which I had saved, so it would be recognized when it showed up on my cell...and I changed my phone setup to only pass a specific group of numbers to my cell....at first to limit work calls going to my cell....but later to limit the calls since I'm on a prepaid plan now.
Well, I call this morning to find out what's up. And, they tell me that a number not associated with my account called my card (but associated with fraud), when prompted for identity verification information....like last 4 of social or my zip code, and eventually confirmed by zip code. The number is associated with attempting to access the points balance on cards that have points. (Mine does.) Back on November 27th.
This was after they had me verify with additional questions from my account usage to verify identity.
They check my points balance, and there doesn't seem to be any redemptions and the balance appears right.
Because they had called, once on November 29th and left no message. That constituted a failure to reach me regarding suspicious activity on my account, so they suspended my account on the 29th. My last transaction was on the 28th, and that worked fine. With a upcoming direct charge around December 2nd....which hasn't shown up yet. Though they took my card payment on the 30th.
But, now they are going to go and cancel my account and issue a new card...which takes about 7 days. Unless I'm in a rush, then they can FedEx a new card to me tomorrow. Well, I'm about to go on a business trip...so yeah, I'm in a bit of a rush. Though when I travel, Amex is my primary card. "Don't Leave Home Without It" So, they will FedEx me a new card...and add a note on my account of my immediate travel plans.
Darn, and I just setup an automatic bill to my card recently...which I'm going to have to update, or will I? I setup Amnesty International again, which was also right around the last time I with through the card replacement due to fraudulent activity.... just a coincidence?
Wonder how to update those charges?