March 30, 2016

New York City Ballin', Or That Time Someone Stole My Credit Card



If you are a regular reader of my blog, you know that I live in an area that one might refer to as:


Thus, I am able to provide you with lots of humorous anecdotes and stories about the hoodrat way of life. Like, for example, weave snatching fights.

Ratchets are ALWAYS pulling out weave.

No hate to my ratchets.
Your girl wears weave, too. #immabitratchet

They even will take that brawl to Chuck E Cheese. Yep, you read that right, Chuck E Cheese, where a kid can be a hoodlum. There is one only about five minutes from me and, on several occasions, it has been the home to full blown riots. 

Just search "Chuck E Cheese fight" on YouTube if you get bored.
#yourewelcome #entertainmentinthehood

You really did not think Skee-Ball and an electronic puppet show is going to stop people from acting a fool, did you?

With that being said, you might think I am used to a large amount of petty crime. But, BUT, I guess I am still naive. You see, a few months ago, I learned my credit card was about to become part of what I like to call a "Ratchet Rendezvous." 

Chargggggggge it. To someone's stolen card.
#wordtoyourparoleofficer

One evening, as I was cooking dinner for Military Husband, I received an email alert from Capital One. The email read something like this:

Hello Mili Wifey:

We have discovered suspicious activity on your credit card. A transaction was recently made in the amount of $599.97. If you authorized this transaction, please do nothing further. If you did not, please contact us immediately at the number below.

Have a wonderful day and thank you for using Capital One.

And after reading that, I was like:


I immediately ran to my computer to look at my account statement. This is what I saw:

DINING/ENTERTAIMENT     ---      CA APARTMENT/NYC        ---          $599.97

The following thoughts ran through my mind: 

What the hell is someone doing with my credit card at "CA Apartment" in New York City? 

Did someone rent an apartment by the hour while on vacation? 

Can you even do that? 

OMG. What if someone is in New York using our money to pay a girl named Candy Foam to play park the big bus in tuna town with him?

How will I explain that to Military Husband?

Right now, there are hoodrats with my credit card in Chinatown and this is happening:


And they are all, "Put it on that ho named Mili Wifey's tab."


Right. I was on the phone with Capital One quickly. Here is a sample of the conversation:

Capital One Rep: So, did you make a transaction in the amount of $599.97?

Me: No. No. And NO. I am trying to pay off the balance on that card. I have not used it in an entire year.

Capital One Rep: So, you are not in New York City using this card?

Me: No. 

Capital One Rep: And you were not just charging $599.97 to this card?

Me: No. I was standing in my kitchen an entire time zone away from New York City. Unless I morphed into Marvel's Quicksilver, there is absolutely NO way I was in New York City making any sort of transaction.

Capital One Rep: Oh, ok. Let me check on that and put you on hold.

While I am on hold, I decided to do a little detective work via the Internet to learn where my credit card was being used. It seemed that "CA Apartment" stood for The Campbell Apartment in New York City, a cocktail lounge located in Grand Central Terminal.  

So, as I am holding the phone while the Capital One representative diddled around, the thieves are like:


With my credit card.

I texted Military Husband the situation and his response was like:

Military Husband: If it is in New York City, that's probably like one drink.

Me: $599.97 is one drink?

Military Husband: Well, no, the 97 cents was the tip, lol.

And I am all:

Why is this funny to him?
#ourshitisstolen

Fifteen minutes pass and thankfully, the Capital One representative lets me know she redacted the charges and my card would be credited the full amount within 24 hours.

A few days after the incident, I tried to remember where the last place was I used that credit card. Then suddenly, I recalled that I put the credit card through a drive through window of a drugstore when I picked up medicine for my root canal last year. This particular drugstore, whose name I shall not mention to protect the not-so-innocent, is known to work people that act like this:


Therefore, it is safe to assume my credit card number was stolen at this time.

I have to give the thieves credit where credit is due. They were living large in New York City, for real tho. I mean you have to admire how large they went about it when it came to thieving cash. If Ferris Bueller taught us anything about dining on someone else's dime in the 80s, it was go big or go home.


The moral of this story, friends? Just say yes to credit card fraud protection and always, ALWAYS, check your statements. Because you never know when someone could be using your identity and your money at The Blue Balls Club like:


Ballin' on your cash. Literally.

Have you ever had your credit card stolen? Have you ever been a victim of identity theft? Let me know in the comments below!

Still keeping it real in my hood, I am,


62 comments:

  1. Glad you sorted it out! Sheesh! So far haven't experienced it, but have had a few friends with problems. Once my sister forced her husband to go shopping and buy some new clothes, shortly after they got home, the bank rang them to report unusual activity on his card! LOL!

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  2. Oh my! I have had my debit card stolen. My bank figured it out before I did. It was a pain in the bit though because I have no money for like 2 weeks while they sent me a new card and I had to remember how to write a check!

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  3. I hate to laugh at this but girl...I'm rolling. My identity was stolen via a check (so old school) in 2000. Get this - they used my driver's license number and became me - how in the hell? Oh and they lived in the UK - wtf?!?!

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    1. Omg!! That's horrible!! I hope they caught that idiot!

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  4. oh my gosh - you kill me with these memes (in the very best way)! Several had me busting out laughing. Ha!! Seriously though, that's super annoying about the credit card fraud, but I'm glad you got it all worked out!

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    1. Hahahaha I'm so glad I can make you laugh! That makes me happy!

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  5. Thank goodness you were notified! That happened to me twice - and coincidentally both times it was right after I used a specific public parking lot pay station. But luckily I was notified as well.

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    1. Ugh. Twice? That's crazy! My mom bought me this wallet that you supposedly can't scan identification from (I guess the thieves have a new way to get your card info now). Not the most stylish wallet but at this point, whatever works!!

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  6. Ahaha, The Campbell Apartment... Gosh, I haven't been there in years, may have to stop by for a drink when I'm in the city next just for you...! I'll take a pic of my drink and send you the bill, can? Ahh yeah, I had someone spend $3k at Best Buy on my credit card... My dad called and asked what I had bought and I'm like, say whaa? I'm in London, we don't got no Best Buy here... Or even better, I was in the middle of the Masai Mara and my dad calls me on my mobile. I'm freaking out cos I"m roaming and it's going to be stupid expensive... He's like, did you just spend $5k on jewelry? I'm like, errr. I'm on a safari. There are no stores around me, much less jewelry stores! HAHA

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    1. LMFAO. Sure why not? Order $600 worth of booze. ON ME! That way I can argue with the Capital One people again that I am not in NYC. What part of I am not in NYC did they not understand. If I drank $600, I wouldn't be calling their asses anyway. I would be drunk. Or at least tipsy. Or something!
      Best Buy, lmfaoooooo. Someone was putting a washer and dryer on your tab bitch! HAHAHA

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  7. Ugh- I feel ya- we had 5000$ put on ours at one lame online resume thingy. Freaked me right out.

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  8. Scary! I'm constantly worried that someone will steal my identity. I will say that my credit card company is super vigilant, but still. Why can't those kinds of people use their brains for good and not evil?

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    1. I have no idea, but I wonder the same thing all the time!! I was telling Military Husband that these kids who are smart at chemistry get into cooking drugs....why not get a job in a lab?! Nope. They make illegal drugs!! Wth??

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  9. My Dad had a similar experience wiv his Fleasa Card....he was getting cash in Australia and buying petrol in the UK at the same time, the Lady on the telephone asked him if he was sure it wasn't him? Really!!! Not unless they have Star Trek is real and there are transporter pads!
    Loves and licky kisses
    Princess Leah xxx

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  10. My credit card number has had be changed because of small charges made in other countries - like they are testing to see if they will go through before they make the big $600 drink purchase. LOL.

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  11. At least they were good about noticing it. I know a lot of people whose credit cards were stolen and the cc company never did a thing. Which is why the only credit card I have is an AmEx. The card number was stolen once and they caught it like a minute after the thief used it (to buy something on itunes). It didn't even look like a fraudulent charge (I didn't think so?), but somehow AmEx knew.

    One of the big things thieves are doing now is taking people's credit card numbers and assigning them to gift cards. We defended a guy a few years ago who got caught with hundreds of those Visa gift cards in his car, and all of them were linked to stolen credit cards. (He was one of my favourite clients; he showed up for his court date wearing a bright purple and neon green velour jumpsuit. It was amazing.)

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    1. Omg really? I didn't know you could do that even. I never had any clients like that....most of mine were your run of the mill types. Though I did have one that was "accused" of wrecking cars deliberately with his family (insurance fraud). He was a baller in court too - new dreds and all kinds of NBA apparel!

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  12. Really?? Well, Capital One seems like they were really good about it so yay. I do not understand people. This is another reason why I like dogs better than most people, lol!!

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  13. Ugh I hate people! I am so glad that you got it all worked out. People are assholes.

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  14. Mom recently had an issue with our internets that she pays online. She paid it...had a confirmation then about a week later she rec'd what looked like a legitimate email from internet provider saying payment was refused by credit card company...to follow below instructions to correct. Long story short she followed instructions but did not get the normal confirmation so she called credit card company. Nope they did not declined payment, called internet provider all was okey dokey on their end. So she called credit company back to cancel the card. A reallllllll PITT. Thank goodness all ended well for you.
    Hugs madi and mom

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    1. Oh gosh that's awful! I'm glad it was straightened out.

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  15. That really stinks! Glad your company called you about it and you were able to get the charges erased!
    KZK

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  16. I had my debit card number stolen and used at a Wal-Mart in Arizona. I was a little bit offended. I mean, really? You steal my card number and the best you can do is Wal-Mart??

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    1. Lol! For real tho. If you're gonna steal a credit card, go on a vacation! My parents had their Amex number stolen years ago. The ppl who stole it went to Vegas! First class, suites, etc!

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  17. Don't you hate it when our credit cards have more fun than we do?! At least your thief was interesting. Mine was stolen from a Shutterfly security breach and used to purchase thousands of dollars in McDonald's, Wendy's, and Hardee's gift cards. It was apparently a known scam at the time--they caught two guys on camera using stolen card numbers to buy McD's gift cards soon after. I wondered if those were the guys.

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  18. Oh no! I'd have freaked out too! Someone has taken our numbers before, but they did small transactions. I think to see if we were paying attention. If we hadn't alerted the company, they'd have probably made larger purchases. I hate people who steal!

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    1. Oh gosh you got lucky! I know. People suck!

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    2. In response to your comment on my blog, yes, they just went to the Galleria to eat. I think they ate at Genghis Grill.

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  19. No way!!!! I'd be pissed. I need to do a better checking on my shit (although I doubt they'd be able to charge much to my debit card, given that I have about $.05 to my name lol) anyway, glad they helped you out! I hope the bastards are caught!

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    1. I know! I hope they got caught at the bar! Lol

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  20. Geeze! I'm so sorry that happened to you, but this was super entertaining to read!
    -Kristen
    www.pugsandpearls.com

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  21. I had that happen to me at a restaurant in Downtown Disney of all places. And it was my debit card. Needless to say it was not the most happiest place on earth that weekend. I will never hand over my debit card to anyone ever again.

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    1. Oh I believe it. People at Disney wanna steal! That place is expensive after all. Haha. Captain America wouldn't like that, people!!

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  22. Double UGH!!So glad that Cap One called you! I'm pretty lucky and haven't had that happen to me, and am double lucky to have a hubby in the computer/banking industry that learns how to keep us from having our identities stolen!

    Thanks for the morning giggles and let me know how you like B vs S! I just have a hard time imagining Affleck as a Super Hero LOL.

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  23. I am so sorry that someone would do that to you...or anyone. Ugh! That makes me sick but I admire that you can recount it and make me laugh. ☺

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    1. Yeah girl. Thieves are crazy. It makes me so mad people like this get away with it, but they will arrest some guy for stealing $20 worth of groceries that's just hungry.

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  24. I've been through that with elderly parents, one who had Alzheimers, who liked to give out their credit card over the phone to about anyone that asked (like that time Dad spent a couple hundred bucks buying about 87 flashlights from some "charitable" organization. That got expensive to clean up. Dad has one card now and the limit is purposely low, and there is literally a huge sign by the telephone that says "Dad if you want to keep the fridge magically refilling with pot roast, snacks and beer do NOT give out your personal information over the phone. So far that's working. I love my Dad dearly, but I told my husband if I get like that when I get old to take away my credit cards, put me on a raft with a case of wine and shove me out to sea.

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    1. I know!! Exactly!! God I hope if I get super senile when I'm old, someone just keeps the vodka flowing.
      Hope your dad is doing well.

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  25. This happens to me ALL the time! And then they cancel my card and send me a new one RIIIIIIGHT before I am set to go somewhere where I need my car. UGH! I feel your pain!

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    1. Oh yeah! They sent me a new card too! So I had to wait forever for that shit! Annoying!!

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  26. Awe man. Someone just stole our credit card too and bought a bunch of PlayStation games. I called the bank and they said "are you sure it wasn't your husband?" Yes woman, we don't even own a PlayStation!

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    1. Lmao! They bought games?? That's crazy!

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  27. Eek! Glad you were able to get it resolved. I would've bawled, then bawled some more. I don't own any credit cards, and that's one reason why.

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    1. Haha yeah I didn't cry, but I was pretty pissed!

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  28. I was half expecting you to say that it was a USAA card, since people seem to be having issues with those lately. I'd probably be annoyed if the phone person asked me three times if I had made the charges, but I'm glad you got your money back so quickly. Now off to check my accounts!

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    1. LOL! No, Capital One. I am all about calling a company out by name. Hahahaha. #word
      I'm glad too! Thanks for reading!! xxoo

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  29. You always crack me up with your comments. Glad you figured everything out. I got a message from my credit card company about random charges of $1 to places I've never heard of. Surprised the thieves were so modest with my account.

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    1. I don't understand what's going on but it seems everyone is getting their cards stolen/had credit card problems. I feel like the thieves of Reddit are passing around card numbers like candy.....
      Thanks for stopping by!! xxoo

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  30. This was written hilariously. hahaha. And I love the Ferris Bueller reference, lol. I mean, I guess if you're gonna steal someone's card information, one big, huge NYC cocktail lounge feast is the way to go! And yes, thank God for fraud protection. Imagine if you had had to pay that!!! Just always wish the people would get caught too.

    Googling Chuck E. Cheese fights now with equal fear and excitement. I wonder if they beat all the Walmart ones I've seen.

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    1. Lol! Right?? I mean they did it up big. Hopefully, they spent the evening in jail.
      And girlllll, Chuck E Cheese is where it's at. I guess a lot of domestic disputes get riled up there, or it's just the bad pizza and booze talking. Yeah, they serve beer there too!

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