Saturday, January 5, 2013

You Stole my Purse? Really?!?


New Years day was nice and quiet for my family.  We relaxed and planned to go to the gym for the evening.  ( Yes, I am one of the 38% of Americans that choose to lose weight as a resolution!And husband was mean nice enough to get me a membership to join him when he goes.) 
 I was at the gym for about 90 minutes and decided to go run an errand while my husband finished playing ball.  The parking lot was huge and scary behind the gym, and I jogged the last few feet to jump in the truck.  And when I shut the door.....the glass in the back window crumbled.  I knew right away that I had made a grave error.....a grave error of leaving my purse in there while I worked out.  Even though I partially shoved it under my seat, they knew what they were looking for, and broke the window to get it.  I have never had my purse or wallet stolen! I felt totally violated! Arrgh!! Welcome to Fresno!
How you respond the next few moments will determine how much damage the thieves do.  I knew enough that the thieves would try to use my debit cards first.  And they did.  Within minutes, they were at a nearby gas station trying to use my debit card.  Thankfully, I had immediately called the bank, (as my husband was calling the police), and headed them off at the pass. 
The last few days I have spent a lot of time protecting myself from future problems.  I had never had this happen to me and I learned a lot trying to make sure the least amount of damage was done.  I know that there are many readers that may not know what to do either.  Here is some important tips I gathered that you can do if this horrible deed happens to you:
1. File a report with the police immediately.  Get a copy of the report in case your bank, credit card company or insurance company needs proof of crime.
The lovely city I live in requires that you file the report online.  I guess it happens so much here, they don't come out unless you are bleeding and dieing.  And thank God I wasn't doing either!  It was fine, because it gave me a chance to get my thoughts together and make a list of all of the items that were in my purse.  Which was A LOT! I carried my life in there!

2. Cancel each debit and credit card.  Get new cards with new numbers.
It is very important that you do this right away.  Like I said before, they immediately used my debit cards as credit.  My bank fraud department would have credited the charges to me right away, but I had great satisfaction knowing they were going to get a decline and not merchandise.
3. Report missing cards to all of the major credit reporting agencies:

  • Equifax - 1-800-525-6285 or (800)-685-1111
  • Experian - 1-888-397-3742
  • Transunion - 1-800-680-7289 or (800) 888-4213

  • UPDATE 1/10/13: I am so glad I did this!! I got a phone call today from a credit card company. They had tried to open a card and the fraud alert stopped the process and they immediately called!

    Now that the thieves have your personal information, it important to protect yourself from credit and identity theft.  By letting the credit bureaus put a fraud alert, it will protect you the next few months to come.  I am even going to take it a step further and do "Life Lock".  They will monitor my credit the next few months so that I know if anymone tries to use my name or social security number.

    4. Report the loss to you bank.  If any information about your bank accounts was present in your wallet or purse ( such as a check book or deposit slip) then cancel checking and saving accounts and open new ones and stop payment on outstanding checks.
    This is probably up to each person's bank.  My bank did not have me open a new account.  They just stopped checks and put a fraud alert on the account. 
    5. Call your utilities and let them know that your identification has been stolen and someone may try to open an account using your identification.
    6.  Report your missing drivers license to the DMV.  Get a new driver's license with the DMV.

    This is what freaks me out the most; that someone has my drivers license AND social security card.  I pretty much set myself up for identity theft.  PLEASE don't carry your social security card OR your childs in your wallet.  It was seriously the most stupidest thing I have done.


    7. If your keys were taken, change the locks on your home. Remember, they now know where you live.  Don't give the thieves access to even more personal property and information.


    I was very fortunate that I took my phone and keys inside the gym with me.  I didn't have to deal with this, but it happens and has to be mentioned. Also, because I just moved to this city, my old address was on my checks and license. That was a relief.


    8. Lastly, notify your insurance company and determine if it will be worth it claiming it on your policy. 


    In our particular situation, our insurance would have covered the broken window, but the window was cheaper then my deductible.  I chose to pay for the window, rather then claiming it and possibly having my insurance go up.  The contents are not covered by your car insurance.  Either home owner's or renter's insurance covers that.  Once again you will have to determine if it is cost effective for your situation.



    I know now that you should never leave your purse or any valuables in your car. ( Keep it out of view, like in your trunk)  I hope this never happens to any of you, but if it does, you now know what to do to protect yourself from future problems. 


    Now that things are getting back to normal around here.....I have a lot future posts coming up!!
    See you soon!


    9 comments:

    1. This is absolutely horrible and I am so sorry this has happened to you! My kids always laugh at me because I take everything with me when I go places, no matter where I'm going but I chalk it up to having a dad who was raised on the streets of Chicago and for us, growing up in the Detroit area. It's just never been an option for us to leave anything in our cars but what freaks me out most about this is that they know where you live.. What a nightmare for you. I hope you'll keep us updated on how all of this turns out and kudos to you for gathering the info and knowing what to do and mostly for passing it on to the rest of us! Thank you!

      ReplyDelete
      Replies
      1. I am not very street wise as you can tell. :-). I should have mentioned, they do not have my address. We had just moved to Fresno and all my old information was on my checks and license. And I do have an alarm on my house...makes me feel safer.

        Take care! I'll talk o you soon,,
        Nonny

        Delete
    2. Oh, I am so sorry that this happened to you! How horrible and what a headache! Thank you for sharing your learned lessons.

      I found you through Find a Friend Friday at the Sew Many Ways blog.

      Deb Weaver
      thewordweaver.com

      ReplyDelete
    3. Oh wow, I know how that feels and it ain't fun! So glad it was just your car and not you personally! This town is just not nice sometimes...I'm always on my guard. And thanks for posting this info for folks that may not know what to do if it happens to them!
      Take care, Caroline

      ReplyDelete
    4. I am so sorry this happened to you! We have had credit card fraud numerous times and our house broken into more than once. Thanks for sharing so many tips.

      ReplyDelete
    5. I nominated you for an award! Come check it out!

      http://piggyinpolkadots.blogspot.com/2013/01/liebster-award-acceptance-and.html

      Shelley

      ReplyDelete
    6. So sorry to read this. But the "welcome to Fresno" line was perfect :)
      Sometime you will have to ask my MIL about the first time I went to visit them in Fresno. Caleb, my Mother and I were almost run over as a car drove across their front lawn speeding after some poor kid who looked like he was running for his life. Talk about an ice breaker.
      Welcome to Fresno.

      ReplyDelete
      Replies
      1. Oh my goodness! How scary!!
        Lol! Yes....welcome to Fresno! {cringe}

        Delete
    7.  Hi, great post. I found you through the blog hop. Please stop  by and say hi when you get a chance.  .Be sure and check out my new Blog Hop that started. It's Weekly Goals Link Up. It's a great way to stay on track. Have a great day. :) Now following you. 
      Here's the link for it if you would like to check it out.
      http://lenettacarnes.blogspot.com/2013/01/weekly-goals-linkup-1.html

      ReplyDelete

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