HOW MO GOT HER CARD BACK

Posted by: Maureen Holloway | Feb 24 2010 12:00AM

  I must take time out from the very real drama of the Winter Games to tell you yet another, far more minor, drama has been playing out in my life. It’s the drama of my credit card, which began weeks ago, and ended only yesterday. It is not to be believed, but it really happened, exactly as follows:
Feb 1st: I lose my Visa. Don’t know how, don’t know where, but it’s gone. I am leaving for London in 5 days, so I call Visa, cancel the card, and they assure me they will courier me a new card in time for my departure, and to expect it on Wednesday. Okey Dokey. We’re golden.
Feb 3rd: I stay home all day waiting for the courier, to no avail. I call Visa back. They say although they have canceled my card, there’s no record of a new one being sent out. They offer to courier me another one, but since I do not want to stay home for another day, they will send it to the nearest bank branch, where I can pick it up. It will be there tomorrow. It will be okay. S***t happens. We’ll work it out.
Feb 4th: I check with the bank branch repeatedly, but the card has not arrived. I call Visa again. They put me through to Visa International. Visa International assures me that they can send me an emergency card to my hotel in London, because God forbid I should be without credit in London. They say it will be there Monday morning. I am a little concerned, but optimistic.
Feb. 6th: I arrive in London, and receive a call from Visa International, saying the card won’t be there until Tuesday. Okey Dokey. I DO have an American Express card, but contrary to popular belief, it is NOT accepted everywhere. I will try to manage. After all, there are destitute people out there who have no credit cards AT ALL.

Feb. 8th: The card has not arrived. The hotel concierge shrugs. I call my pals Visa International. They apologize, and suggest I call UPS. It’s evening and UPS is closed. I develop a twitch.

Feb. 9th: I call UPS. They tell me the card in transit. That’s all they know. The twitch worsens.

Feb. 10th: I get a call from Visa International, asking me how things are going. I suggest that they may want to have sex with themselves. They apologize, and suggest, seeing that I am leaving in 2 days, that they cancel the card. That never arrived. I say sure. I am beyond bitter.

Feb. 11th: I receive a message from the Toronto bank branch (remember them?) saying my card has arrived.  A week after it was sent out. Fabulous. I can barely contain my joy.

Feb. 13th: I return to Toronto. The next two days are holidays and the bank is closed. I try yoga and deep breathing.

Feb 17th: I go to the branch to pick up the card. Wait in long line to get it. Call Visa to activate it, but am told that the card … has been canceled.

I freak out.

Visa offers to courier me a new one. I offer to carve THEM a new one. We agree on their offer.

Feb. 19th: I have been home for 2 days waiting for courier. I leave the house  for one hour to buy much needed water and food, and return, only to find that Purolator has come and gone, leaving a notice as to where I can pick my parcel up. I don’t have time, as I am going out of town. To a facility for the about-to-be criminally insane.

Feb. 22nd: I go to the Purolator office nearest my house. They do not have my credit card. It has been sent to another Purolator office. Farther away. Of course it has. I am strangely calm, but the children are frightened.

Feb. 23rd: I venture out to the far flung Purolator office, wait in line, show my I.D., and retrieve my card. I call VISA and activate it, making a note of my new PIN, and tuck the card in my wallet.  The ordeal, it would seem, is over. I am free to charge again. But it will never be the same again. Because I have simply … lost … interest.

 



Filed Under: Main


COMMENTS (30)

Hilary
RE:HOW MO GOT HER CARD BACK
Mar 5 2010 4:19AM
OMG - what an experience! Visa should be ashamed of themselves. The Oscar goes to you for persevering and keeping your cool. You may want to try an ATB Mastercard instead - always professional, helpful staff and a lot lower interest rate! Thanks for sharing, I absolutely love your stuff. When I am cracking up to your commentary while driving to/from work, it makes me laugh even harder seeing the reaction of other drivers watching me crack up!!! Amazing how much respectful distance other folks will give when they think you're nuts - tee hee!

doug
RE:HOW MO GOT HER CARD BACK
Mar 4 2010 5:28PM
I have no idea how they got my PIN. I only use my debit at Big box stores - Home Depot, Costco, CTC, Loblaws etc. Typically for things I need for the house. I can only guess there are some very crafty thieves out there - security breach at RBC, rigged debit machine, camera in the sky. Who knows. I used to snicker at the guys covering the machine to type in their PIN. Not any more. What kills me is that there are guys out there that smart to be able to figure out ways to circumvent the security systems in place to prevent debit fraud. Clearly they would be smart enough to find a real job.

Dennis Esch
RE:HOW MO GOT HER CARD BACK
Mar 3 2010 4:45PM
Hi Mo You just reminded me why I don't have any Credit Cards. I have a line of Credit. When I lost my Debit card went into nearest Bank branch canceled the lost one. And got a new one on the spot with new pin number. I do understand the pain. Regards Dennis...

Margaret
RE:HOW MO GOT HER CARD BACK
Mar 3 2010 12:28PM
I feel Doug's pain. Same thing happened to me on a smaller scale, thank goodness.They were only able to clean out my account. My debit card was "compromised" as they say at the bank.Appparently, it is easy for these "crooks" to get the number. The only place I had used my debit was to buy gas. I paid at the pump. Now I pay inside and make sure that I cover the pin pad completely. What a pain in the "you know where". Fortunately, the bank refunded the money, and took back any "charges" as I was not the only one affected on that day. The irony of the story: The bank made me get a new card with a "chip"(makes it harder to get the pin number). I have only found 2 stores that use the "chip", so what's the benefit, Anyway, Glad you finally got your card!

Ron
RE:HOW MO GOT HER CARD BACK
Mar 1 2010 10:20AM
I must say you have way more patience than I do. What happended to customer service? When VISA realized early on that their efforts were falling far short what would it have hurt to have someone personally deliver the card to you and appologize profusely for the delays on their part and your inconvenience. I am appalled that they continually pushed the ball back in your court to have you follow up with others or to go to various locations to get your card. Makes you wonder whether VISA is the right card to have in your wallet.

Maureen Holloway: It isn't. I plan to switch, but haven't had the time. I also want to get off aeroplan. It's on my endless list of things to do.

doug
RE:HOW MO GOT HER CARD BACK
Mar 1 2010 9:47AM
Did you find your old card yet? Wait till your debit card gets pinched. And by that I mean, you've got the card in your wallet and someone has not only drained your account, but tapped into your line of credit. They move an equivalent amount that is your biweekly mortgage payment from you LOC to your chequing acccount. Then they buy a money order from one of those Pay Day advance places for $5.00 under your debit limit. (And the guys working at said Pay Day store don't find this suspicious?). Then they go to the nearest ATM and take out your mortgage payment, then they try it again and again until the computer realizes something is amiss. You think losing your CC was fun, hope this never happens to you cause you practically have to give the bank a DNA sample and take a lie detector test that it wasn't really you doing all of this. Then you wait 6 weeks to get your money back.

Maureen Holloway: Hmm. How did the thief know your PIN?

Jim J
RE:HOW MO GOT HER CARD BACK
Feb 27 2010 8:24AM
You should always have a backup card (unless you abuse your credit). Visa phones me and asks me why I don't use their card and I tell them it's my backup card, in case I have problems with Mastercard. They've accepted this. Amex - never. You should also have a special card with limited credit for on-line purchases, in case someone lifts your number and tries to abuse your card. That way, they get caught when the $700 limit kicks in.

Kelli
RE:HOW MO GOT HER CARD BACK
Feb 25 2010 3:07PM
I bet you NEVER want to lose that Visa card again?? You make me laugh the way you told your story ( even though it's not funny)

Howie
RE:HOW MO GOT HER CARD BACK
Feb 25 2010 2:08PM
The same sort of thing happened to me a week after you lost your card. I think it's S.O.P. (std operating procedure.) Sunday evening, I get a call at home from Visa's Fraud squad asking me if I used my card 30 minutes ago in Montreal. I respond I can drive very fast, but not that fast. After a long exchange, they say they will send me a new card and it will arrive in a week. I respond that I need the card in a day or two as I need to use it. They offer to courier it to me for Tuesday. Wed. it still has not arrived. I call, they say. Oops the guy forgot to send it. I talk to a manager and make him promise It will be delivered on Saturday. Saturday still no card. Call again and tell them it needs to be in my hands on Monday even if it means someone gets in a taxi and brings it to me. I did get it on Monday. (The pkg. was marked for Saturday delivery too).

johnny d
RE:HOW MO GOT HER CARD BACK
Feb 25 2010 1:16PM
So....has your original card turned up yet? You know, in the pocket of that rarely worn jacket?

Ian
RE:HOW MO GOT HER CARD BACK
Feb 25 2010 12:51PM
I actually had an old Mastercard that I guess I'd cut up ages ago. They mailed me something year's later and I just asked them to cancel it because I obviously didn't need it. They BEGGED me to keep it until he finally offered me $100 credit JUST to keep the card. So... I went out for a nice dinner... and never used the card again. Best meal I ever had. They should give you SOMETHING for all that trouble.

Jackie
RE:HOW MO GOT HER CARD BACK
Feb 25 2010 12:33PM
it seems i have very similar sagas ongoing in my life right now...one with the bank...one with the insurance company...one with Bell. Whatever happened to customer service and at least one person knowing what they are doing?

Mexdale
RE:HOW MO GOT HER CARD BACK
Feb 25 2010 11:30AM
I think you handled it like a Champ.Documented everything and kept your cool(i hope you did ).Four or five stressors like that, at the same time puts some people under the bridge or in the soup kitchen line or on a park bench.Myself i would have been on the phone on the hour demanding to speak to higher ups every time i received some BS explanation.Thanks for the laugh.

wally
RE:HOW MO GOT HER CARD BACK
Feb 25 2010 10:57AM
watch out that you do not end up with an identity twin with your card numbers in mexico that buys 10 gas tanks of gas in a day

Joan
RE:HOW MO GOT HER CARD BACK
Feb 25 2010 9:09AM
Hey Mo: I'm sure this was not funny at the time but the way you tell it sure did give me a good laugh to start my day. Thanks for sharing Joan

elaine
RE:HOW MO GOT HER CARD BACK
Feb 25 2010 7:52AM
and they said life would get easier!

brian
RE:HOW MO GOT HER CARD BACK
Feb 24 2010 11:55PM
Hi MO I HAVE BEEN TRY TO COMMENT ON YOUR BLOGS FOR A COUPLE OF DAYS NOW BUT I KEEP SCREWING UP. SO I.AM TRYING AGAIN I HOPE THIS WORKS ABOUT YOUR VISA I DUMBED MY GM VISA WHEN THEY SAID I DIDN.T USE MY POINTS IN TIME. THAT WAS 1700 WHORTH. AND I WOULD HAVE TO START AT O. PS.AS YOU CAN SEE AM NEW AT THIS COMPTER THING SO FORGIVE ME AND I HOPE YOU GET BETTER. LOVE BW.

Kim
RE:HOW MO GOT HER CARD BACK
Feb 24 2010 9:56PM
I had a great chuckle...thanks. I know it was not that funny at the time but life offers moments where you find laughter that you can share...thanks again.

Lu
RE:HOW MO GOT HER CARD BACK
Feb 24 2010 9:16PM
compensation,compensation from Visa don't give up!

Jim K
RE:HOW MO GOT HER CARD BACK
Feb 24 2010 5:29PM
Hey Mo The left hand doesn't give a sh** what the right hand is doing.

Frank
RE:HOW MO GOT HER CARD BACK
Feb 24 2010 4:25PM
Wow Mo. You have a lot more patience than I have. I would have told them to stuff it and that I was going to their competition!

Maureen Holloway: I may yet.

carol
RE:HOW MO GOT HER CARD BACK
Feb 24 2010 4:05PM
I am not laughing at you - only with you

MARIANNE
RE:HOW MO GOT HER CARD BACK
Feb 24 2010 3:07PM
True story, A family member passed away just as the economy was crashing and the bank decided my accounts had been compromised and froze everything until I could get there with I.D. 250 miles from were I was. No debit no credit etc. I drove there on fumes the next day. I took my new cards and left and took care of my family business. When I was composed I phoned Visa and told them what they had put me through and if I didn't get the best rate they could offer as well as no bank fees on my accounts I was pulling all my business and going across the street. I am paying an unheard of rate 1.5 + prime. No bank fees either. They need your business. Good luck and I am sorry it upset what should have been a great time in England.

Jeffie Boy
RE:HOW MO GOT HER CARD BACK
Feb 24 2010 2:31PM
Purolator has an NSR sticker that you can get from their office. If you get more than a few courier packages a year it might be worthwile for you. Put the sticker in an obvious spot on your door. The carrier sees it, scans the bar code, and puts the package between the doors for you. Works slick.

Maureen Holloway: I got it! Thanks Jeffie Boy!

Barb Bruns
RE:HOW MO GOT HER CARD BACK
Feb 24 2010 1:27PM
I thought I had bad luck - you made that all up -right?!! Barb

Trudie
RE:HOW MO GOT HER CARD BACK
Feb 24 2010 1:04PM
yikes! how's that eye twitch and are the children still a little skittish?

Brian B
RE:HOW MO GOT HER CARD BACK
Feb 24 2010 12:44PM
I love stories like this. Just as long as they don't happen to me. LOL. Thanks for the chuckle. What will make you smile even more about this, is that internally at Visa and UPS, employees are getting recogition for excellent customer service. They are being bestowed with 'dinner for two' certificates or gift cards for the Gap. Your pain and angst will only make your children wonder "what happened to mommy". Good luck!

banker
RE:HOW MO GOT HER CARD BACK
Feb 24 2010 11:59AM
Mo, why didn't you just charge everything to your Q107 expense account while you were in london and deal with your visa card when you got back?

Lola
RE:HOW MO GOT HER CARD BACK
Feb 24 2010 11:14AM
I'm surprised you didn't find the original lost card after all that!

Merren
RE:HOW MO GOT HER CARD BACK
Feb 24 2010 11:13AM
MAYBE YOU SHOULD SWITCH TO MASTERCARD!

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