One of the conditions I had when I switched banks was that I'd be able to get an ATM card that was NOT also a debit card.
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Debit card fraud?
- Thread starter JBGoode
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……And all in less than a week. I’d say that’s pretty good. At least you can still use the drive-through at Burger King with peace-of-mind, now that you know it wasn’t hijacked there.😁
Just like my parents taught me very early on - when I skipped a week from school due to a bad haircut my pops gave me.
You should have 2 signatures:
1 for public use - like check-ins when visiting business' or locations, etc.
1 for your government taxes, and other private financial dealings (banks, CC's, investments). Never HOLD or KEEP physical records of your signature not vaulted.
This way when a scam happens the signature likely used is the public one and VERY easy to spot by financial or IRA/Federal tax records/dealings.
My parents had the same first initial and would only sign my school notes using their public signature, me forging theirs at 10yrs old I used my moms but signed as 'father'. Parent-Teacher night came about and well very helpful conversation at home. only trouble was forging, never did that again, but a good lesson was learned: No forging, 2 signatures and pops was NEVER to cut my hair again lol.
@StaceyMJ86
Yes, very possible and that's what we did.
A good mortgage broker who is patient and able to guide you to home ownership is worth their weight in gold.
We worked with an excellent mortgage broker for over a year and has helped us:
- Increased 5/4/2 mortgage credit scores from 600s to mid 700s.
- Decreased credit utilization from 30% to 5%.
- Saved for a down payment (3%) first time home buyer conventional loan.
- Found us a patient and compatible realtor in this crazy market.
- Paid off 2 PLOC wrapped in the escrow instructions.
Now it's time to pay the broker back thru an escrow closing next week.
He certainly earned his money..
Loved the advice, story, and the reference “pops”.
I give you my maximum reaction, five bourbons.
?????
For those and credit card receipts my "signature" is a squiggly line.
We’re already saving money now for the down payment and want our new home before the kids start school in September 2022.
In ten plus years I've only been called out once for it. A lady in a gift store said, "Come on, that's not your signature". She was right and I made a better squiggly line for her.
Credit card companies no longer require signatures.In ten plus years I've only been called out once for it. A lady in a gift store said, "Come on, that's not your signature". She was right and I made a better squiggly line for her.
This is me also even though I used to have perfect penmanship. Do they even teach cursive in schools now? I know they stopped in many places and that makes me think that whole generations of people couldn't really provide a decent signature if their life depended on it. Heck, I can barely write these days since I no longer have to for any reason other than occasional signature on a check or birthday/holiday card.In ten plus years I've only been called out once for it. A lady in a gift store said, "Come on, that's not your signature". She was right and I made a better squiggly line for her.
Oh believe me I am well aware of that. That makes it even more silly that I'm still asked to do it at some places.
That's me also. I am very fast typist and I so rarely write with a pen I'm pitifully slow and feel so out of my element.
That's good to hear. Even though it's rarely needed, I feel it's a skill that everyone should have.
This is weird. I got a letter from my bank stating they completed their research on my claim and determined 'no error occurred because the merchant already provided credit'. So it would seem I was refunded by the website where these transactions were made before the bank could intervene which would explain why I got it back so quick. What do you suppose happened?
After the fact, did you directly contact the website where the purchases were made and advise said charges were unauthorized/fraudulent activity?
Here's my guess: when the merchant received the request from your card issuer to provide documentation of the disputed transaction and the refund request, the merchant immediately issued you a refund in order to avoid increasing its chargeback and dispute count at its card processor. Merchants can be dropped by card processors for "excessive" fraud and disputed transactions.
I did not although that was probably something I should have done. I did email the website where I thought my card was compromised (I don’t know why)and the call to my bank and that was all.
I was left with the impression that they had not even started the investigation although this sounds like a very good possibility.