Tag Archives: stolen

Rob Me

There are certain aspects of my life where I’ve been pretty lucky. I’ve managed never to break a bone or have a cavity, I went to a great university despite being an unapologetically lackluster student in high school, and hell, today I flew cross-country for a job interview only to find myself in the TSA screening line behind the very person I was traveling to meet.  But there is one place that luck seems to elude me (and it’s not my dating life, for those of you who read this site regularly)—it’s that people love to mug me.

Photo by Meaghan Morrison

That is not a statement you can write if you’ve only been mugged once. I’ve been pickpocketed in Manila, held at knifepoint in New York, and punched out in both Baltimore and Los Angeles. Having been mugged or otherwise robbed four times means, clearly, I’m doing something wrong. Word to the wise: if you don’t want to get your ass kicked and become intimately familiar with the practice of replacing the entire contents of your wallet, don’t be named Kyle. I hear that works pretty well.

MANILA

The Philippines, beautiful as it may be, is insanely dangerous. In the south, there are al Qaeda–affiliated terrorist groups who like to kidnap tourists; in the north, there was a military coup three weeks after I left town. Before college I was there visiting my great-uncle, and near the end of my trip he pulled me aside and told me I needed to “truly experience Manila.” My options were to go with him to a brothel so he could “make sure I left as a man,” or to go see what is regarded as a cultural hallmark of the Philippines, a cockfight. Telling my girlfriend back home that “it’s not cheating because my uncle made me do it” was not a thing I wanted try, so I figured watching chickens fight to the death was slightly safer.

We were dropped off at what can only be described as the shadiest arena ever built: this place looked like a dilapidated tennis stadium coated in a centuries worth of grime and chicken shit. Inside, all the seats had been removed and a crowd of nearly a thousand men (no women allowed) surrounded a fighting pit the size of a boxing ring. About halfway through the third bout, I felt something rubbing against me and looked down to see a hand stealthily trying to slip my wallet out of my pocket.

Looking back, I realize I made a few mistakes: aside from going to what is without a doubt the most dangerous place I’ve ever been in my life, the bigger mistake was the spectacle my uncle and I made upon our entrance. Two people getting out of a chauffeured car and leaving a bodyguard at the door is a bit conspicuous. Add in the fact that I’m a head taller and significantly paler than the rest of the crowd, and it starts to make a little sense why I was targeted. When traveling, it’s wonderful to get a true sense of the local culture, but if you stray from traditional tourist destinations, be careful not to bring the tourist vibe with you. There is something to be said for the theory that you’re safer when you blend in with the herd.

NEW YORK

In the fall of my first semester at NYU, the oppressive summer heat had started to give way to the welcome crispness of autumn, and it felt like a great day for a walk around my new city. There I was, minding my own business, listening to a mixtape from my then long distance girlfriend (yes, the same one I didn’t want to piss off in Manila), when a guy started yelling at me that I had bumped into him and broken some glassware he’d just bought.

I can be oblivious at times, but even in my own world listening to some awful Feist mashup that I thought captured the depth and complexity of “love” at age 18, I was fucking positive that I wasn’t responsible for the random shards of glass that this guy was claiming I broke. I protested, and that’s when he got more aggressive and flashed a knife at me. Bear in mind: this is mid-afternoon on 14th Street, and somehow I happened to be on the one block that was completely deserted. For those of you not familiar with Manhattan, finding a deserted stretch of 14th Street at any hour is like winning the lottery three weeks in a row—except, instead of becoming a millionaire, I lost the money I’d intended to use on a fake ID.

The lesson was to not fight it. At the end of the day, nobody robbing you really wants to hurt you: it’s just an intimidation tactic. While it sucks, giving up a little cash is the easiest way to ensure you stay safe and get the whole process over more quickly. That being said, if you plan on walking or taking public transit a lot in a major city, it’s best not to carry large amounts of cash on you. Most places take cards nowadays and paying a few extra ATM fees is better than getting stabbed or losing a hundred bucks in one fell swoop.

LOS ANGELES/BALTIMORE

One of the dumber things I’ve failed to learn in my life is that bad neighborhoods are bad neighborhoods for a reason. That’s not meant to seem like this privileged half-white kid from Malibu is afraid of minorities (after all, I am one); it’s more to point out that walking down a block filled with burned-out buildings in a sketchy part of Baltimore or trying to score some tacos at 3 am in a park known for LA’s May Day Melée is probably a really stupid idea.

Both of these instances have one major thing in common—drinking. An analysis of my drinking habits would likely necessitate another article, or bloat this current one past a length my editors would be willing to publish, but the thing to glean from this is that having one too many makes you an easy target. When sober, I’m pretty vigilant, but while drinking (and I don’t think I’m alone in this) I tend to get a little more reckless. Typically, this means I make ill-advised decisions with my phone or possibly earn some “constructive criticism,” but other times it means I go to iffy areas and mistakenly think everything will work out fine.

The easiest way not to get mugged is to not put yourself in a spot where that is likely to happen. If you wouldn’t go to a place during the daytime, you certainly shouldn’t go there at night, especially alone. Exploring new neighborhoods is often exciting, but what might be intended as a night of edgy fun can quickly take a turn from hipsterrific-dream to manic-pixie-nightmare. If you’re going to an unfamiliar place, don’t make it even less familiar by over imbibing. Nothing screams “rob me” like a drunk person who won’t remember the street corner they’re on in the morning, let alone their mugger’s face.

The brutal reality is that if you live in a highly concentrated urban area, you have to deal with the dangers that come with it. There’s nothing I can impart in this article that will ensure you never get mugged. While the act itself does feel violating, the key is to remember it could be worse: if you manage to get out unscathed physically, it’s a win. Usually nothing in your wallet or purse is irreplaceable, and it certainly isn’t worth putting yourself in danger. For those of us who feel that inexplicable draw of the big city, a hefty dose of common sense and responsibility goes a long way. And if that fails, just avoid hanging out with me at night.

FML: My Stolen Wallet

It was like any other SaturdayI got off work, ate a snack, then flopped into bed. This particular evening, I was dozing off when my phone buzzed with a text from Chase Fraud, “Did you purchase $300 at a shoe store?” Uh, no.

Getting your wallet stolen is a bitch.

The damage: a hundred dollars cash, my driver’s license, a debit card, my birth certificate (with my social security number written on the back), a sticky note with both my checking and savings account numbers scribbled on it, and various other cards (including my car insurance/registration, my voter registration card, my AAA card, several gift cards, and an old student ID).

The Bank

My first step was to report the fraudulent charges to Chase. The cool thing about their fraud service (which might be true for other national banks) is when they text you about a possible fraudulent charge, if you say, “Yes it’s fraudulent,” they automatically call you. If your bank is not this fancy, you can find customer service numbers online or on your bank statements.

At first, I got the standard pre-recorded voice (wanting either my card number or my account number for verification) but after about a minute I was directed to a real human being. The woman asked me for my address (more verification) and then to confirm which charges were fraudulent. She listed off the last five or so, but I had to log into my online account to see exactly what she was talking about. There were three fraudulent charges: $50 at a gas station, $300 at FootLocker, and $30 at a nail salon. She flagged the charges, canceled my card, and informed me that a new one was on its way.

As for reversing the charges, she told me it would only take about 12 hours for a refund to be posted to my account, but this was not entirely true. The two smaller charges were credited to my account the next morning, but the $300 charge from FootLocker was not. Now this delay isn’t necessarily the banks fault, they have to work with the stores (who may or may not be open and/or challenge the charges). So, if you’re making a claim on the weekend, don’t be surprised if the credits/debits don’t clear until Monday or Tuesday. Overall, the call took about 15 minutes and was pretty painless.

Now if you’re smarter than I am, you won’t put your actual account numbers in your wallet. If the thief had just gotten my debit card, I could have reported it stolen and just waited for a replacement in the mail. But, since we’ve established I’m kind of an idiot, I had to go to my local branch and switch over all my accounts instead.

The guy who helped me told me that my situation was not uncommon and was very helpful. He created new checking and savings accounts for me and transferred over all my money. He kept the old accounts open, but frozen, so only deposits could be made. (This is so that you can be reimbursed for the fraudulent charges.) It shouldn’t cost any money to do this and, if you have one, bring your passport (or some form of identification, i.e. your social security card or birth certificate etc.) Or better yet, call ahead and find out what identification they need.

The Police

After I got off the phone with Chase, I called the police to file an incident report. This meant, about an hour later, an officer showed up at my house to take my statement and give me an identity theft packet with lots of helpful (and scary) information. I gave him a copy of my bank statement (printed off the Internet) because I had noticed that all the purchases were made at local stores. The officer told me this would help tremendously. Now a detective had specific stores to check, along with the exact purchase amounts. But, because my work place (which is where we’d determined the theft had occurred) doesn’t have cameras, getting the thief on camera, at one of these stores, was the only way to identify him or her.

The Credit Bureaus

Next up, I checked my credit report with each of the three major credit bureausEquifax, Experion, and TransUnion. (Did I know there were three credit bureaus before this fiasco? I did not.) Luckily, I discovered that www.annualcreditreport.com allows you to check all three bureaus at once, which eased the pain a little. I put in my name and social security number. Then I was prompted to answer really random yet oddly specific questions that only I should know. Things like “Where did I live before 2000?” and “How much money did I make in 2010?” Don’t worry, it’s multiple choice.

You should not have to pay to get your credit report. (There could be a fee if you’ve already checked your report in the past year, but if it’s been more than 12 months, you should be fine.) Credit scores typically cost, but reports should not. Reports are mostly for record keeping purposes and so that you can see if anyone’s stolen your identity in the future. I gave the reports a once over, everything checked out so I saved a digital copy and printed another one out for good measure.

Technically you should call each credit bureau and let them know your information has been stolen. I didn’t do this because the credit bureaus can’t stop identity theft and I was 99% sure that this was a punk kid who just wanted my money, not my identity.

The DMV

Getting a new license is like getting your old one, you wait in line, fill out a piece of paper, and get your picture takenwhich I still had to shell out $9 for. Replacing my voter registration card was free. Fortunately, I did not need another copy of my car registration, but if you do, just have your license plate number with you.

The Rest

Cash and gift cards are just gone, they’re never coming back.

I don’t have credit cards, but if you do, approach it like you’re dealing with the bank. Also, I can’t speak for getting new insurance documents (because I had duplicates), but I would suggest calling your provider and going from there.

The document that continues to keep me up at night is my short form birth certificate. It’s the size of a credit card, and contains my name, birthday, and the city I was born in, embossed with a government seal. This document alone could do some serious damage, but I also wrote my social security number on the back of it because I’m a genius. If someone really wanted to be malicious, they’d have everything they needed (driver’s license, birth certificate, SSN) to steal my identity. I know it seems convenient and portable to have your life in one place, but for your own sanity, don’t be like me. Bad things happen, minimize the damage.

The police still haven’t caught the thief.

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Photo by Meaghan Morrison