We are intensely frustrated by the glacier-like pace Regions Bank has set in the process of making things right with our bank account. We realize that the theft of our debit card information is not their fault, but they should at least have a sense of urgency about things.
When Kareen Couch, Kamala Couch, Frank Taylor and Tomekia Scott flew from Chicago on United Airlines and U.S. Airways, our checking account was cleaned out. So was the overdraft protection. We thought we had things squared away with Regions Bank. In fact, we were specifically assured that all checks and debits would be honored. Hmm...so why did a check we wrote to our son get sent back to us? Hard to say. So, then my wife went to Regions Bank to make a deposit to cover the lost funds. She was told by the teller that our account had been flagged for excessive overdrafts and they couldn't accept the deposit.
Do what, now? We are here to deal with the overdrafts that we had been assured would not be an issue.
Fortunately, the teller responded well when she was advised to call our bank officer directly. After that call was made, they accepted our money. Imagine that.
Ironically, we received a letter from Regions Bank today telling us communication with clients is essential and they will be calling us in the days ahead to discuss our overdrafts. I am very much looking forward to that phone call.
Detective Dave of the Chicago Police Department sent me an e-mail yesterday saying the investigation into the financial crimes of the Four Felonious Fliers continues. CPD has made contact with one of them. We do not want to compromise the process, so I will be discreet with the information. Suffice it to say, there is an uncomfortable criminal in the Windy City who will hear from Daddy D.
I'm looking forward to my trip. Can anybody help with Cubs or Bears tickets?
Saturday, August 23, 2008
The Ongoing Investigation
Tuesday, August 19, 2008
The Adventures of Detective Dave
I'm not sure why Detective Dave of the Chicago PD has taken such an interest in my little case of unauthorized credit card use, but I have a theory. During our first conversation, he was politely taking basic information from me. He read back the spelling of my name and missed the mark a little. "R-E-D....." I said, "Wait. Stop."
I continued, "That's R-E-B. If it's R-E-D, that would make my name 'Redouche,' which would set me up for ridiculous ridicule."
He laughed a good long time and I think it was the start of a beautiful friendship.
As he pursues his investigation of the alleged crimes of Kareen Couch, Kamala Couch, Frank Taylor and Tomekia Scott, Detective Dave has called security for American Airlines, Shreveport Police, Caddo Parish Sheriff's Office and who knows what other agencies.
We talked on the phone at least three times today and exchanged several e-mails. At one point he called me and asked, "This is important. If we track down these perps would you be willing to come to Chicago to tesitify against them?"
I said, "Yes, I will. I will happily spend more money than they stole from me to come to Chicago. I want to look them in the eye and say 'This is the person you stole from. I am not some random number on the internet or a credit card receipt. You stole from me and my family and now you will pay for that'"
He said, "Great. That's the first question the district attorney will ask me and I'm glad you are emphatic about it."
I said, " I'll go to a Cubs or a Bears or a Bulls game. I want to stand up with the Chief of Detectives in a news conference announcing that I was the catalyst to breaking up this internet crime ring. I want to do a live shot on WMAQ."
Okay, I admit I got a little carried away. I will happily go to Chicago, though. I mean that sincerely. I have enough vacation time and certainly enough motivation.
I want to meet Tomekia Scott, Frank Taylor, Kamala Couch and Kareen Couch. I want them to admit to their thievery and apologize. If they don't I want them to go to jail and I want to personally slam the door behind them.
The Investigation Continues
Tomekia Scott and Frank Taylor, whoever they are, had better lay low. They flew to Charlotte from Chicago last Wednesday on tickets bought with our debit card. Kareen and Kamara Couch flew from Chicago to Atlanta on the same day under similar circumstances.
Now, the Chicago PD is on their trails and hopefully their tails.
Using an empty checking account and a depleted overdraft protection line of credit as motivation, I have been bulldogging federal and local law enforcement. Everyone has been nice. I've heard more than once, "after all, you're a victim." No one wanted to claim jurisdiction for chasing this down, though, until somehow I got routed to the Superintendent's office at Chicago PD.
A detective named Dave has become fascinated with this, and that pleases me. He liked the idea that I have the names of the "perps." I was even able, thanks to the determined amateur detective work of my friend Dave in Nashville, to track down the place where one of the phantom fliers works and goes to school...in Chicago.
A cage will soon be rattled, thanks to the united efforts of the two Daves.
Our account is still empty. The bank people assure us we will be "made whole," but it might take up to ten days. That process is ongoing. I've spoken with several people in the bank's bureaucracy who offered challengingly inconsistent advice. Ultimately, I said to someone on the phone, "May I please talk with someone in the organization who can speak about this with confidence and authority?" For the record, that hasn't actually happened yet.
Acting on the tenuous advice of one of the bank people, we filed a local police report. I got a prompt call from the White Collar Crimes Task Force, but was told this doesn't fall into local jurisdiction. They directed me to Chicago PD, where I captured Detective Dave's imagination, so SPD and the CPSO did some good. The FBI wasn't the slighest bit interested.
I would think the Transportation Security Administration (TSA) would like to hear about this. If Tomekia Scott, Frank Taylor, Kareen and Kamala Couch are not the thieves' actual names, then fake ID"s were used to board domestic airliners. If that happened, we have real issues. If those are real names, then Detective Dave of the Chicago PD will find them. He has already called me once today and said, "You will hear from me again."
I hope it's some time after Frank Taylor, Tomekia Scott, Kareen Couch and Kamala Couch hear from him. I also hope their little plane trips to Charlotte and Atlanta were worth it. See you in prison, you criminal pieces of crap.
Sunday, August 17, 2008
Ripped Off, Big-Time
Our checking account has been emptied thanks to the purchase of four airline tickets on Wednesday in Chicago. We haven't been there and we haven't bought any tickets. Tomekia Scott and Frank Taylor, whoever they are, flew to Charlotte on same-day tickets bought with our debit card. Kareen and Kamara Couch flew from Chicago to Atlanta courtesy my checking account balance. We also don't know them. Even if we did, we certainly would not buy plane tickets for them.
I feel like we're in that identity theft comerical for MasterCard. The good news, if there is any, is that some criminal piece of crap got a debit card number and not a credit card number. That means the amount of money that can be stolen is finite.
The bad news is: all of our debit cards are cancelled. It doesn't matter, because there's no money in the account, anyway. The worse news is that our overdraft protection kicked in, meaning Tomekia Scott, Frank Taylor, Kareen Couch and Kamala Couch caused us to go into debt to support their travels, not to mention their thievery.
We called the bank, but there's no customer service person available on a Sunday, so we wait. We called the FBI, who told us to let the bank handle the initiation of an investigation and prosecution. We called the airlines, one of which was terrific, the other of which sadly employs the Society of Cluelessness on Sundays.
For the record, United Airlines handled my call and my questions with great efficiency. The man who answered the phone obviously understood the seriousness of what was happening and offered solid information along with valuable advice. U.S. Air hung up on me three times as I was transferred around to Who Knows Where before I finally, on my fourth phone call and all the commensurate "telephone menu hell" spoke to someone who has English as his primary language and seemed to grasp my plight.
Here's a lesson: check your account activity often. My wife went on-line and discovered the posts to our account from the airlines, as well as the overdraft protection deposits. She understandably went into a little freakout. I spent most of the morning and part of the afternoon chasing down information. If it had involved United exclusively, I might have spent significantly less time fretting about all this. Maddeningly, the call center for U.S. Air found itself enshrouded in a cloud of Idiot Gas and I was forced to choke on it.
So we sit in suspense until we can track down someone from the bank on Monday morning. In the meantime, if you know Kareen Couch, Kamala Couch, Tomekia Scott or Frank Taylor who flew out of Chicago on Wednesday, let them know the Feds are coming after them.
