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anyone else ever had their bank card shut down for nothing

ive been using the same bank for yrs, theres been about 3 or 4 times when they shut my card down when i was the only one using it, i have a debit card, i usually dont use cash and just use a debit card unless i have to get quarters for laundry, yesterday when i was going thru my emails i saw something on my emails that i wanted to buy, it was a massager thing that helps with foot pain so i thought it might help me, i did the online stuff where i gave my debit card number to them to pay for it, then after i finished what i was doing it said it got declined. i called the bank up after i saw something on my phone from the bank about the usual message about it being declined, they shut my card down just cause ive never bought anything from them before, i told them it was me and not someone using my card, they unblocked it so i went and did it again so i could order it, ive complained to my bank before cause of it. i thought they stopped doing it cause it hasnt happened in a while but now it happened again, i hate to think what if i go out to eat and it gets declined for something i didnt know about cause i wasnt home, i wouldnt want to get in trouble for not being able to pay for it. anything i can do to put a stop to it or do i have to use cash now all the time to stop them from doing that. ive thought of switching banks but i heard it happens to people in other banks too, any suggestions? i hate when they do it for nothing, i told them to leave a note saying im the only one using my card, do i have to use checks everywhere? yrs ago someone did take $1000 out of my bank acct and i told the bank and they gave me the money back while they investigated it but i never found out who did it. im not stupid, i check my statements online every day , if i see something that shouldnt be there i would call them but its mean for them to shut it down when im not doing anything wrong, its not like i was buying drugs or anything with it. so how to stop this?
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Shaveit · 61-69, M
Your bank is protecting you. Unlike a credit card, which post a pending charge, debit cards instantly take the money out of your account. It is much easier to fix fraudulent charges on a credit card than on a debit card. I had almost $10,000 taken out of my bank account one time. It took me over two weeks to get all my money back, now I use only credit cards on line
Perhaps you don’t use it often for online shopping …. They might block the card until they make sure that it’s you …

Or

Your debit card is expired …

🤗🌹❤️
pearllederman · 61-69, F
@Soossie its not expired
@pearllederman

So perhaps considering the illegal withdraw of 1000 dollars from your account they have made it a policy to block payment before making sure that it’s you ..
@Soossie If the card was expired, she wouldn't be able to enter a valid expiry date on the website and wouldn't get to the point where the payment was declined.

I learned that recently when I tried to buy something, but my card expired months ago and my bank didn't bother to replace it in time.
Ontheroad · M
Different banks have different algorithms to identify possible fraud. Sounds like your bank is pretty aggressive. I think I might call and talk to them (their security/fraud people) and see what you can do to limit this sort of thing happening to you.
If you go away (particularly abroad), it is a good idea to contact your bank and inform them of where you will be going to and how long for - just to ensure that this doesn't happen to you.
Yes, they're paranoid about fraud.

 
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