“This is Megan Ellis from Silverline Bank’s fraud prevention department, and we detected unusual withdrawals on your account today that require immediate verification.”
“No, I did not authorize any withdrawals,” I said firmly, “My brother took my ATM card and used it without permission.”
Her tone changed instantly, becoming sharper and more focused.
“Do you have possession of the card now?” she asked.
“Yes, I do,” I replied.
“Good, we are freezing the account immediately, and given the pattern of transactions this will be flagged for internal review,” she said, then paused before asking, “Do you know the source of the funds in your savings account?”
I closed my eyes briefly, knowing exactly what that question meant.
“Yes,” I said, “It is part of a restricted disbursement from a wrongful death settlement involving my aunt.”
There was a brief silence before she responded carefully.
“In that case, you need to come into the branch first thing tomorrow morning with identification and any documentation related to that account,” she said, “This situation may involve law enforcement and compliance review.”