Our joint account wound up getting hacked last Thursday. I put an alert for Centier to send me an alert if the joint account balance falls below $120. I've had it go off several times since I've set it up. But I was peeved when the alert came out last Thursday. I was almost home from work when it came. I was expecting my balance to be over $600 since I transferred some cash over in anticipation of paying the mortgage which was due the next day.
I was thinking the worst of Dom not believing he spent over $500 for something. I asked Dom what was going on but he said he only spent $70. I decided to log in and check out the transactions to see if my transfer came through. I confirmed that it did indeed come through but so did two fraudulent entries, one for $250 and another for $400. The entries were from something identified as Gemini which we later learned was supposedly crypto transactions.
I immediately called the bank who of course had to speak to Dom since the transactions came from his card. We had a similar incident happen less than a year ago. What annoys me is that Dom makes so many purchases related to his doll hobby. It's likely one of the sites he went to may not be 100% secure. I have a hard time making heads or tails of his purchases.
At the end of the day it's his hobby. But I wish he didn't spend almost his whole paycheck on it, which right now is nothing. He seems to have given up on finding anything. He did apply for unemployment but I sill question if they would pay him or not. He mentioned it would be $300 something though I'm not clear if it's every week or every other week. I believe I was collecting a paycheck once every two weeks for only about $300 - $400.
We would have to go to the bank to get the disputed transactions removed from our account. We did that this past Saturday even though it doesn't come off right away. We also both decided to get new bank cards. I really didn't need to get one since I only use my card to deposit cash at the ATM whenever Dom gets the balance below $120.
I checked today to see if the Gemini balances were credited to our account and it's still not. The saving grace is that I deposited an extra $600 for Friday that originally was supposed to be the extra payment but wound up being my primary mortgage payment. Otherwise we would've been late for the mortgage.
I have to wait for the fraudulent payments to be cleared out so I can get the original $600 back so I can then put an extra payment on the mortgage like I had originally planned.
So when looking to see if the transactions were removed, wouldn't you know Dom is already using the new debit card for doll purchases. Some things will never change but I can't believe that he's still buying frivolous stuff when he's not collecting income. I can see it now, his unemployment will be spent on dolls and maybe a few groceries...LOL
I said it before but choose your mate wisely. They'll either work to help build things up or they'll try to bring you down with them. I do love Dom despite his ways but if I knew I'd be dealing with this drama, I may have had second thoughts. The saving grace with Dom is that he's a good person with a good heart. I still wish he picked up some financial sense along the way, though. But I'll have to be that person for both of us.
I know I've complained about it before. I felt awful because I even complained to my boss briefly about it in our one-on-one but then felt bad. I guess I needed an outlet.
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