We had a Chase CC that we’d never used, too, and three months ago we found two charges under $30 from two transactions in L.A.
The chargeback covered it okay, but when you’ve NEVER used a CC, it has to be from inside. Now, that “inside” can mean someone got in that shouldn’t have.
The fraud lady said that people generate card numbers and sometimes hit the right expiration date, but she couldn’t tell me how my name came through from the card strip to their computers without having swiped or used the card, ever.
Chase is new in our neighborhood having taken over WAMU. They called me twice trying to get me to do some business with them but the guy they sent in as a manager was too young and dumb to know his own system, conversations proved. But I’ve used two other banks for over half a century. I do not bank Online and my banks are under strict instructions to NEVER make any of my bank info available anyplace online. The local managers understand that if any of my dope EVER turns up online or any other place that ain’t me the next thing that will happen is one of my bulldozers will be remodeling their lobby first thing next morning. Sometimes they loan me money to buy equipment so they know I can do it. No sense of humor here about financial security. About a half century ago my ól’ Mom nearly shut down one of the local banks over one of the tellers shooting her mouth off about how much money another customer had. My Mom covered a lot of ground and she had people pulling money out of that bank by the bucket full. The bank Pres spent years sweet talking Mom to get her back but the damage was done. A few banks might need to burn if they don’t get serious about this personal financial security thing.
And by the way-—can somebody tell me why any bank would have to wire their entire record system into the internet to do business? My guess is they are fundamentally lazyass and cheap?