Remember when I went to Spain and lost my wallet on our last day in Barcelona? That was exactly one month today. I thought we took care of that problem - calling Kevin back in the States and asked him to close all the accounts -I had 2 credit cards and 1 debit card in that wallet (plus the extra cash). All the banks said they’ve closed the accounts, and I have all the replacement cards now. So far so good. Nothing major has happened. Today, as I was checking my accounts (something that I do almost every other day), I noticed two charges A.C.E.S.A BRA.MOLLETNA for 2.16 dollars. Two of them. And of course, the FOREIGN TRANSACTION FEES. I almost immediately had a bad feeling about it. I googled the charge and this is the only thing I found in English - fearlessmoney.com. I immediately called the bank and after giving all my information to the first guy said that my account is not compromised, but he did transfer me to another department so i could dispute the charges. I had to repeat all the information again to this next person who later determined that I should report this to fraud department so she transferred my call. Again, they asked to verify all info. It took a while before this lady started to sound convinced that I was trying to report a fraud. She then said that those charges were made before the account was closed and they just rolled over to this new account. That wasnt convincing. That was the same thing the WaMu people said to the guy who wrote about his experience. The BofA lady said that at this time, my account is not compromised, that they will credit me back the charges made to the account within 72 hrs and that they will send me a mail with a form a had to fill out to claim the fraudulent charges.
I seriously hope that that’s the last of it. The fearless money post sounded like it didn’t end well. Im still wondering how the thief was able to charge the account that same day it was stlolen, and yet it just showed on my current statement? I really hope this is the end of that… I cannot afford to have any of our accounts compromised and messed up esp. now that we’re trying to get a loan for a house. I guess I just have to keep on monitoring all my cc activities and hope that no more unauthorized charges show up…
Good luck. I’d love to know if it stops or if they continue to pull the same thing on you that they did me. It didn’t touch my (good) credit, but it was a big hassle to close the account.