I Believe Two Things

I had a voice mail today from my credit card’s fraud prevention department, asking me to call back immediately.  Although a quick Google search suggested authenticity, I called the number on my card instead but got routed to Fraud Prevention the moment I entered my card number.

My first thought was that the expensive Vegas vacation I recently charged got their attention.  I did spend quite a bit of money in about 30 minutes.  But that was last month, so I’ve already paid that balance in full.  An inattentive cardholder might pay for a stolen $10 lunch without realizing it, but only a complete idiot (or someone impractically rich) would unwittingly pay off someone else’s entire vacation.

Then I recognized a coincidental string of PayPal purchases all on one day last week.  They were all small purchases from online stores, but perhaps such a sudden burst of PayPal (or other peer-to-peer payment) activity had been seen as a red flag.

That was my most promising theory when I dialed the phone.  The nice man in India confirmed what had really gotten the bank’s (computer’s) attention: a single online purchase from Peapod last week for a little over $100.

Peapod.

You know… Peapod.

Peapod!

An online charge from Peapod for about $100 has appeared on my statement at the beginning of every month I’ve ever used this card!  After Netflix, it’s the second most routine transaction on my entire statement.

I appreciate that the algorithms used to detect possible fraud are sophisticated and beyond the comprehension of mere mortals, but that was a little absurd.  When I thought the bank had picked up on some legitimately unusual account activity, I was pleased with their efforts.  Knowing that they’re just flagging my everyday spending, I’m rather less pleased but vastly more amused.