Monday, October 27, 2014

A balance of zero

It's never a good thing when you check your bank account balance and find it's at zero.
But some times are better than others.
Like today, for instance, I knew there had to be a mistake.
I was doing my routine Monday morning chores and looking at my credit union statement.
(I do that almost every day since the Home Depot and Target hackings.)
I wasn't expecting any trouble. I've not been shopping with my daughter recently.
Marc and I have been homebodies for a while.
So I was shocked to see my balance at exactly zero dollars.
And there was a little overdraft thingy of about $300.
I looked at the list of charges.
I went into "fix it" and "call about it" mode.
There was a charge of almost $2,000 for things bought and used and done in Europe in August.
I had paid that charge once already and set up automatic payments so I wouldn't forget about this card.
Now here it was back again.
I called up the Mastercard people.
After a number of lengthy explanations and security questions and a lot of listening to bland music while I waited on hold, I was connected to a nice woman.
She heard me out and confirmed my suspicions.
"Looks like you've been double-charged," she said.
"That's what I think," I replied.
"We'll give you a credit on your account," she offered.
I didn't want a credit.
I wanted my nearly $2,000 back in my checking account.
I wanted my good name restored.
I wanted the credit card company to pay any overdraft fees this might has created.
I wanted reassurance that this wouldn't happen again.
I wanted my former calm and peace of mind back.
To their credit (pun intended), they promised to send me my money...within 2-5 business days and they said it probably wouldn't happen again.
Just so they know, I will be on guard on the 24th of every month for some time now!

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