Debit Card Conundrum, Part I

At the Dollar Store I ran my debit card through the little machine and it was declined. There were sufficient funds in my account… by ten times at least, so I assumed it was the Dollar Store processing machine. They probably bought the machine at the 99 Cent Store.

Later that day I tried my debit card in a REAL store, Michael’s Craft Store, a legitimate establishment, and it was again denied. Something was up.

I called my bank and was told that my debit card had been closed. Not the account, just the card I use to access the account. My replacement debit card with the newfangled chip had been mailed to me in early September. The same time period when our mail was temporarily detouring to Oklahoma for three weeks… thanks to our married daughter changing her mailing address. I explained that I did not receive my new card. Fix it, please.

The kind man had to make sure that my new missing card had not been activated…. it had not. Thank goodness. So he closed that card and proceeded to open a third card that I could actually use. However, I had to answer some security questions. No prob, slob. I know my mother’s maiden name and the street I grew up on and my first pet’s name and my high school mascot. Easy peasey.

The first question was “When did you open this account?”

I replied, “I don’t know.”

“Ma’am, you have to answer the question or I can’t open a new card for you. Here are your multiple choice answers…. 2011, 2008, 2009, 2006.”

I let him know that multiple choice wouldn’t help me. I thought hard and counted back…. and guessed. Wrong.

Next question, “Were you ever employed at one of these businesses?” He named three businesses that I had never heard of, and then one where my husband used to work over 15 years ago.

“Sir, this is my personal account, in my name only. My husband used to work at choice D, but I have never worked at any of those places. So I choose E, none of the above.” Wrong.

“Sir, how many questions can I get wrong and still get a card?” He wasn’t sure, but kept going.

“What was the name of the high school you attended?” BAM! I got one right without hesitation!

“Sorry, ma’am, you have missed too many and you need to go into a bank and prove your identity.” But I got that one right. Why weren’t the questions stopped at two wrong???

I assumed security questions were to keep strangers out of my account. Apparently, they are to keep everyone out, including me.

So my busy day ended with me screeching my tires into the bank parking lot four minutes before it closed so I could prove who I am and get a card to use… although it had to be mailed to me in five business days.

Please stay tuned for parts II and III and the Debit Card Conundrum.

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