So today was kind of terrible.
Not in a, “my host mom made me cry way.” Not even in a, “I worked on a group paper for six hours why god why,” kind of way.
Today was terrible in a, “Bank of America closed access to my debit card while I still have 10 days–including a trip to Paris–between me and home” kind of way. (Also terrible in a, “this is the 21st century, why does this have to be resolved on the phone, no, Senegal doesn’t participate in the international toll-free standard, I’m switching to a credit union” kind of way.)
So yeah, that happened. Apparently BoA somehow came to be aware that someone had stolen my card number and all of its accompanying security information. How they came to know this, I have no idea. The purchase that they had flagged on my account was legitimate*, so I assume something else tipped them off. At least, I hope so, because if not my bank has just made my life really miserable for no reason at all.**
The kindly customer service people told me that they could keep the hold on my account temporary. So now I just have to call them and go through phone tree hell each time I make an ATM withdrawal or a purchase between now and May 25th, at which point they’ll send me a new card. It’s a terrible solution, but it is some sort of a solution.
This whole experience was a nice reminder of how incredibly terrible American banks are at dealing with travel. For me to resolve the situation, I had to call the bank on a telephone (rather than providing my verification information online), because apparently I live in 1999.