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David Morrison

The news arrived in a Thursday morning text message announcing a zero balance in my checking account. After years of writing about data breaches and card fraud, someone had stolen my debit card number and counterfeited my card.

The thieves hit my account from Northern California, visiting an AutoZone, a Food Maxx, a Target and a Valero gas station for a little more than a day before I checked my online banking and reported their perfidy to my credit union’s call center. Their last transaction had overdrawn my account as well, so part of my negative balance included a $30 overdraw fee.

The retailer who did not protect my data, the retailers who accepted the fraudulent card, and even my credit union for not checking adequately for fraud all deserved my wrath for this failure of the payment system to protect me.

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