TIFU by putting my debit card in my pocket

Submitted by KornPuf t3_ystckj in tifu

Didn't happen today, but the past month

I was at a store getting ready to pay when my coworker offered to pay for my things. It was a kind gesture, and i accepted, and put away my card. All is well, and i get back in my car to go home.

Forward word, I have some memory problems due to an illness, so i forget things very easily. this is important.

Fast forward a few days and i'm going to buy a drink from a vending machine. I open my wallet to find my card isn't in there. oh shit. I go frantically searching every pocket, bag, and anywhere my card could be. I came to the conclusion that my card was either stolen, or my coworker accidentally took it. I open my banking app and see that there was a transaction total of about $80 from the past day. My card was being used somewhere.

I file a statement at my bank that someone has my card and is spending money. They say okay, close the card, and put me on hold for customer services. After an hour of waiting they finally call me and i'm filing for fraud. They credit me the $80 that was stolen, and ship me a new number and card.

Now, my washer dryer is broken, so i take my laundry to my grandma's. This is very important.

I'm sitting and painting when i get a call from my grandmother. I pick up and she's reading me my credit card details. I sit there, confused as fuck. I ask her how she got my credit card details, and she says "Well, it's here in my hand. I pulled it out of the washer." I'm wondering how my stolen credit card, that has transactions i know weren't mine, could have been pulled out of the washer. Then it dawned on me, i put my card in my pocket instead of my wallet. The money that was transactioned was my doing, but i have no memory of doing so. Meaning, the money the bank credit back to me meant i frauded myself (does that even work?) and got everything i bought accidentally for free. $80 worth. FML.

tl/dr, I put my credit card in my pocket, thought someone stole it, and accidentally bought $80 worth of stuff for free

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Comments

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Revocation_Of_Doubt t1_iw0ydnj wrote

Buddy, you might want to consider seeing a doctor...

forgetting where you put your card is one thing.. but forgetting you also spent money at a place like 1 day ago?

time for you to be in a safe environment with locks on the outside

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FewTransportation307 t1_iw15v0f wrote

I think it's time to visit a doctor. I don't mean it in a rude way but seriously, forgetting stuff like that isn't a normal thing. Does this happen all the time?

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Raiddinn1 t1_iw1l7kl wrote

Banks can get you for fraud now.

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MadHouseFire t1_iw1mw5o wrote

Replying to KornPuf (#508,031)

You have to call your bank and explain the situation not doing anything is not a good ecision if you explain your illness that will give you grace with the bank to just get it converted

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Raiddinn1 t1_iw1njsr wrote

Replying to KornPuf (#508,031)

You didn't defraud yourself. You had 80 bucks and you still do. Instead, you have 80 worth of stuff and the bank has 80 bucks less.

What exactly do you think fraud is if you don't think it has to do with lying to banks to gain money?

Unfortunately, there is no easy out here, because fraud is a serious crime and being stupid or having a bad memory aren't solid defenses to it. You don't get to say you spent all this money but you forgot you did it so you should get all the money back and still keep the stuff.

How would the world function if that was OK?

You can take no action and hope they don't find out what happened. That could work out poorly if they can prove you got the stuff you spent the 80 on.

You could tell them to take their 80 back and hope you don't get entered into systems as a know fraud person.

Best case banks will think you are a bad risk, because you totally are.

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sunnysparklesmile t1_iw23o6s wrote

Replying to Revocation_Of_Doubt (#506,829)

For 5 years I worked at a company where i took customer calls for like 40 different banks

The amount. Of people. Who cannot for their life. Recount a single transaction they made in the last day or two - hell, in the last 6 hours - is absolutely mind boggling.

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Fcktbckt t1_iw248ag wrote

What illness do you have if you don’t mind me asking?

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sunnysparklesmile t1_iw248m6 wrote

Replying to Revocation_Of_Doubt (#508,783)

The more astounding part was when it was someone who called their bank frequently (every contact made is logged). Like..... They call enough to know we are going to ask them for this information. It is not a trick or surprise question. And they still will react with surprise, confusion, hemming and hawing, sometimes (often) even annoyance, instead of any semblance of preparation.

It was one thing when it was an older customer - you could ease your rage with the thought that they just weren't 100% functioning. But anytime it was someone under 40 I wanted to induce an aneurysm in myself.

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silent_cat t1_iw2bsj4 wrote

Replying to KornPuf (#508,031)

Honestly, just ring up and say you found your card and you forgot the transaction and offer to pay it back. You're surely not the first person this has happened to. And it gives you the piece of mind they're not going to suddenly find out.

I once reported my card lost because I couldn't find my wallet. I was panicing about all the stuff I was going to have to replace. Turn up to work on monday and there it is on my desk.

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bleonr t1_iw40ytp wrote

Make sure to reach out to the bank to clarify what happened. What you got most likely was a temporary credit.

When you file a claim for fraud, there's an investigation and if it's determined you were the one who did the transaction, they will revert the temporary credit.

You may get lucky and the investigation may rule to your favour, but I wouldn't take my chances and spend the money refunded.

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sirc314 t1_iw6tv8c wrote

Replying to silent_cat (#509,162)

This. It happens all the time. They're not going to care about $80, but if you're worried about it, you can call them and say you do recall now that the charges were from you.

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