I was rudely reminded on our trip of the power banks have over me and the need to inform banks when I leave the state and make unusual purchases–like $200 of diesel fuel in Arizona.
Moving Tip I Forgot: Inform Your Bank of Traveling
I recently wrote an article on moving tips, but learned a new moving tip on our recent trek.
After driving our 22 foot long Penske’s 50 gallon tank to empty in the middle of Arizona, it was time to fill up. I learned that you have to prepay for diesel fuel for large purchases. Afterwards, any unused funds are returned back to your debit or credit card.
I prepaid $200 and was instantly rejected and informed by the cashier to call my bank. I was shocked as this was the first time I’ve ever had any trouble with my account.
I called the number on the back of my ING Direct card promptly and started to jump through the security hoops in place to insure it was indeed myself who was calling.
Security Hold on Debit Card
I was handed off to a general customer service rep who informed me there has been a security hold on my account, but couldn’t tell me why. Really? I informed him I was moving and traveling through several states making large diesel purchases. He entered that in the system, but still informed me there was a security hold.
I was then handed off to a security specialist. He informed me I couldn’t use my card as it was on hold, but he’d do me a favor and lift the hold for a few minutes so I could get cash. Then he’d mail me new cards. Mail cards?
This obviously wasn’t a logical solution since we still had many many more miles to go and needed access to our money for fuel, food, and hotels.
He asked, “Don’t you have other funds available?” I’m assuming he meant a credit card, but I haven’t used credit cards in years. My wife’s debit card had been put on security hold too, but she hadn’t even used her card while traveling.
“This is unacceptable!” I began. “I have been a saver since 2007…” I became a little upset with the ridiculous solutions proposed and was passed on to a manager.
Seems someone with brain was put on the line and explained that there was no reason for a security hold and she pushed the magic buttons. We had no further problems with our debit cards.
Lesson learned: Inform banks if you’re moving and making multiple purchases in various states in a short amount of time.
I can only hope this was a standard ING Direct response and not a new security policy with Capital One taking over. [This does make me skeptical of the ING Direct to Capital One 360 makeover.]
Has your debit or credit card been placed on a security hold while traveling or moving? Share your story below in the comments.