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what they don’t tell you up front is that it’s up to the user to put a lock on the account so if there is no money, it stops allowing a withdrawal. And then to charge a fee as ‘overdraft protection’. But by default it’s open. It’s very shady Facebook-privacy style way of stacking it against the user just so they can make money on ignorance. Their business is to keep the user ignorant. Very end stage capitalism if scamming is defended as a business model.
Same goes for spending limits and region tracking/locking on checking accounts and associated debit cards.
When moving from BoA to a credit union, I was astonished at how this service was enabled by default. I once purchased a large TV and got a call from the bank's security department confirming the transaction, as I was putting it in my car. I would expect no such service from a major bank.
I've gotten those calls a few times from BoA. But it's always like 2 days after. And it's not necesarily big purchases. I've gotten a TV and been fine. But I got Minecraft when that first came out, and got a call for that. One time I got a call for getting lunch at a fast food place. And these are so far and few in between that they don't really make me feel safe. It's more so just annoying.
I honestly think it has to do with patterns and profiling. The credit transaction processing "data warehouse" middleman has a all the metadata needed to pull this off - so behaviors like fraud can be correlated across many banks and accounts.
In my case, it was the biggest buy I had made on that card to date. Or maybe that store already had fraud problems on record.
That actually would make a lot more sense for Minecraft then. Lol
Don't forget how if you do freeze your account you often cannot block recurring or online purchases