Hooey and fraud

“They look upon fraud as a greater crime than theft,
and therefore seldom fail to punish it with death;
for they allege, that care and vigilance, with a very common understanding,
may preserve a man’s goods from thieves,
but honesty has no defence against superior cunning; and,
since it is necessary that there should be a perpetual intercourse of buying and selling,
and dealing upon credit, where fraud is permitted and connived at,
or has no law to punish it, the honest dealer is always undone,
and the knave gets the advantage.”
Jonathan Swift

(I suppose this little screech owl is an example of something that is fraudulent,
for he is a bit of an imposter…I saw him at a taxidermy museum
and he was just too cute to pass by without a picture/ Julie Cook / 2016)

I don’t think that I can ever say it enough…

I hate technology.

Yea, yea, I know,
it’s the greatest thing since sliced bread as it makes our lives…
so much easier,
so much more efficient,
so much better…
because we are all so….connected….

hummmm…connected, yes….

And when it works, and works efficiently, it is easy…
maybe a little too easy…
But easy is not today’s point.

I had this little notification thing put on my credit card that when it is used,
I receive a text and an e-amil… as in an alert.
It tells me that my card, ending in blah blah,
was just used at such and such for x amount transaction.

As in monitoring fraudulent activity with the card…
to alert me that the card was used and if it wasn’t used by me,
then it’s time to panic.

So this morning, as I was hurrying to get ready to head over to dad’s,
because today was the day hospice was delivering the hospital bed…
the bed dad is adamant about not allowing in the house…which is a post for another day…
I hear my phone buzz.

“Who in the heck is texting me this early?!”
I grouse as I’m in a race to get dressed.

It’s a text from my credit card folks informing me that my credit card ending in blah blah
was just declined over a $900 purchase for a plane ticket to São Paulo.

Now granted I am greatly in need of getting away.
As in leaving all my troubles behind…
As in going away…
Far far away…
As in my nerves are almost frazzled…

And I will confess to having contemplated being a bit, shall we say, irrational…
As in calling my aunt and telling her to grab her passport….
As in we’re out of here….

Yet I don’t recall being so spontaneous as to buying a one way ticket to São Paulo…
And if the truth be told, I don’t want to go to São Paulo…
Maybe Paris.
Maybe Rome.
But not São Paulo…

So I call the number on the back of my card and get the nicest young man named Austin.
I explain to Austin about the text and the email and São Paulo as he pulls up my account.
Sure enough he sees where there was a declined purchase at South American Airlines for
a one way trip to São Paulo…
Thank God for declined!!

A far cry from the typical purchase of jeans from LL Bean…
which is more along the lines of a typical card purchase for me.

So sweet young Austin shut down my account and will be issuing me a new card.
He checked the last five purchases…
$8 for a book?
check…mine
$49 bucks for some shorts and a shirt?
check–mine
mine,
mine,
and mine…

With nothing anywhere near a $900 for an airline ticket.

And with this latest adventure to the land of fraud,
I started thinking….

Technology is good…in a great many ways…yet it comes with a tremendous price…
both figuratively and literally…
but again, I digress….

It comes with grave responsibility and vigilance…
both of which most folks half heartily observe,
as they are lulled into a false sense of security.

It comes with pin numbers,
passwords,
alerts,
rapid alerts,
magnetic security strips,
retina detection,
finger print scanners,
voice recognition
and chip readers…

all things that lull us into thinking we are safe….

This as I wonder what will be next as the security attached to our technology
works hard to always stay one step ahead of those nefarious individuals who take a
retired school teacher’s credit card number
and attempt to buy a one way ticket to São Paulo.

For you see, I try to be safe.
I try to do what I can to protect my savings and my identity
But if those nefarious folks out there really want something,
no matter what I do, they will find me…
and they will find you too I’m afraid.

Well not unless I call my aunt, telling her to grab her passport,
cause we are taking life off the grid…
but again, I digress…

We do everything in our power to protect our cards, our phones,
our smart, and not so smart, things
Yet what do we do to protect our souls?
Yes, you read correctly, our very souls.

For you see we have been fed a lot of hooey in the past several decades,
with the hooey only getting more slick with time.

We’ve been told that God is actually spelled with a little g.
We’ve been told that there are way better gods out there…
forget all that mumbo jumbo religious business…
that’s so yesterday…

We’ve been told that any god with a big G should be all accepting and all loving…
no holds barred, doesn’t matter what we’re loving or accepting…
“it” must agree…

And while we’re at it…
“it” isn’t always a “he”, “it” may be a she or just an “it”…
cause “it,” whatever “it” is, is ours and we like “it” how we want “it”…
Because we don’t want a god with a big G who isn’t on our same page.

We want gods that keep us connected 24 / 7
gods that allow us to instantly buy tickets to São Paulo, with or without our own money.
We’re told that these are the gods that we need to have,
yet they need us to spend lots of money…
cause more money means better gods.

gods that will make us like the folks we see on TV,
cause we are told being like the folks on TV is to be really cool and great and godlike.

We’ve been told that we don’t need a god with a big G because we can be our own god.

We can make babies in petrie dishes
We can make new animals from old animal DNA
We can make boys girls, and girls boys…
We can travel to the moon and beyond…as in we’ve messed up this planet enough,
time to set our sights elsewhere….
We can buy tickets to São Paulo without ever having to talk
to a person all without money that’s not our own…

We can take people’s money and go the São Paulo to do whatever we want when we get there..
again, kind of god like in our own little g godlike way….

We don’t want a god with rules or one telling us how to live.
We don’t want a god who claims to be a creator, cause, heck, aren’t we creators!

So yea…
fraud….
hooey…
and we’ve got all kinds of trouble…

Hear, O Israel: The Lord our God, the Lord is one.
Love the Lord your God with all your heart and with all your soul and with all your strength.
These commandments that I give you today are to be on your hearts.
Impress them on your children.
Talk about them when you sit at home and when you walk along the road,
when you lie down and when you get up.
Tie them as symbols on your hands and bind them on your foreheads.
Write them on the doorframes of your houses and on your gates.
Deuteronomy 6:4-9

I am as mad as a wet hen!!

Anger is one letter short of danger.
Author Unknown

“The robb’d that smiles, steals something from the thief; He robs himself that spends a bootless grief.”
― William Shakespeare

(one of the chickens that calls my dad, neighbor / Julie Cook / 2013)

No this hen is not wet and I don’t think it’s exactly mad but it was the best visual I had for this post regarding my being mad.
I’m not just mad, I’m furious!
I’m so mad, I can’t see straight.
As my students would have said, I’m so mad I could dot someone’s eye!
I am so beside myself that if I could, I’d snatch someone up by the collar and clock them one!!

As you know, I tend to lead a rather low key, low profile, low technology sort of life.
Pretty old fashioned.
I don’t do any of that social media business.
I dont TIVO
I don’t HULU.
I don’t do on-line banking.
I have one credit card and one debit card.
My life pretty much consists of the grocery store, Target (pronounced as Targé), the pharmacy, the dry cleaners, a monthly visit or so to the liquor store to procure any necessary medicinal supplies of something nicely fermented and aged plus the occasional Lowes or Home Depot run–and here is where the trouble began. . .

This morning I decided it would be nice to order a new pair of TOMS shoes. I love TOMS—not because the shoes are great by any means but more so because it is a “get one give one” company. A purchased pair of TOMS leads to the giving of a pair of shoes to someone across this planet in need of shoes.

As the purchase was not expensive, I thought I’d just use my debit card.
Well, oddly the purchase wouldn’t go through.
“Strange. . . ” I thought but chalked it up to maybe something to do with using my debit card verses my regular credit card.

Later I made a run around town for a few small items. I ran into a local shop to pick up a few things. As I went to pay for my purchase, using my debit card, something again rather strange took place.
The card wouldn’t go through.
Hummmmm.
Thinking I had put in the wrong pin the clerk told me it wasn’t the pin and it appeared that I needed to go over to the bank to figure out what’s going on.

Writing a check (and yes I still have a check book as some local business still do not have credit / debit machines—which is actually quite refreshing) I paid for my items and made a beeline straight to the bank.

Once at the bank I proceeded to explain to the teller that for some odd reason I couldn’t get my debit card to work, twice. I knew I had money in the account and thought that maybe the magnetic strip was messed up or the pin, or who knows. . .
Looking at her screen of my pulled up account she asks “Did you make a purchase at Sears?”
“Sears???!! No, I haven’t been in a Sears in years”
“How about $500 at a Walmart?
“WHAT???!!!WALLMART???!!! I don’t even go in Walmart!!!”

She proceeds to tell me that my card has been red flagged over some suspicious activity. She gave me a number to the credit protection agency, told me to call them in order to verify the activity and then I’d have to get a new debit card.

Are you kidding me??!!!

I proceeded to sit down in the lobby of the bank, call the agency on my cell phone, confirm that I had not made the purchases, hang up, then move over to a desk with two women who were in the fraud department of the bank.

The nice ladies pull up my account, again.
It appears my card has been to Illinois, Kansas and south Georgia to name but a few locations all on Saturday and Sunday.
By this time I’m feeling the heat rising to my face.
I am feeling sick to my stomach, I am in a panic and I am mad.

Luckily for me the only thing that went through was a $5.42 charge at a Sears in Illinois.
The other big charges, like the $500 charge to Walmart and the charge for some motel in Kansas were all declined.

The nice bank ladies took my card, cut it in half before shredding it, ordered a new debit card and flagged my account as having been compromised—which led me back to Home Depot.

We’ve all heard or read in the news of the identity and credit breach affecting Home Depot as well as Target . . .
Thankfully my Target Red Card was not affected. Which has made me realize my troubles had to be from Home Depot.

It was Easter and I had gone to Home Depot to get a few things in order to put together an Easter basket of goodies for our son’s new house. . . rake, shovel, broom, hedge trimmers, pruning shears, etc—“stuff” a new home and yard owner would certainly be in need of. . .when I recall using my debit card.

AAAGGGGHHHHH—-I am robbed putting together an Easter Basket—go figure.

Months later the news is rife with the latest and egregious data breach affecting millions of shoppers at Home Depot. As I had not noticed anything “fishy” on my bank statement, all these many months following the news of the breach, I breathed a sigh of relief and went merrily on with my rather boring rut filled life.

That is until today.

Luckily for me, I am only out a little over $5.00, of which the bank will be crediting back to my account.
I know those who have had their entire identities stolen— living now a nightmare existence.

The little ladies at the bank were nice, thorough, efficient and full of advice and warnings. However, I already thought I was pretty savvy.
I do not use my debit card in restaurants, or for fast food, or rarely for on-line purchases, or even when I travel to Atlanta to shop. I simply use it here in little ol Carrollton. But even life in little ol Carrollton is not free from predators, thieves, criminals and crooks.

It’s really hard for me to wrap my brain around how other people can so readily, easily, and often time craftily and creatively, steal from others.
Like I say, I could certainly dot someone’s eye right about now. . .yet despite my anger, my panic and my feeling of betrayal or of being somewhat broadsided out of the blue, I am sad.
Sad that we live in a world that grows less and less safe and trusting with each passing day.

The wolves lie in wait, waiting to devour the unsuspecting around each corner. One more signal that I need to regroup and rethink how I live what I thought to be a rather dull, rut filled and routine laced life.
Maybe the less information out there is better?
Maybe cash is the only way?
Maybe there is something to getting off the proverbial “grid”
Maybe I need to find some deserted island out there with my name on it?

A sad sign of the times to be sure.

Here are a couple of things to look for if you suspect any fraudulent activity on a debit card:
—many thieves are patient, usually waiting weeks or even months after a breach–do not relax your vigilance of monitoring your accounts and statements
—It usually starts with a small insignificant transaction –prime example my initial $5.42 which raised the red flag.
—fraudulent transactions often take place over a weekend once banks are closed for several days in a row.
—I was fortunate that my bank did flag that initial fraudulent transaction and consequently declined the ensuing transactions taking place all over the country.
—be smart when and where using a debit card

. . .yet sadly, the times, they are a’changing and it matters not how safe and smart we think we may be— people will still choose to do bad things and bad things will still happen to good people.

So the poor have hope, and injustice shuts its mouth.
Job 5:16