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That's what happened here - the guy was on a terrible VOIP line and I had to ask him to adjust his mic before I could understand him. He mispronounced my bank's name and asked if I'd attempted to spend $1,000 at an Apple Store in NYC that day. No, I said, and groaned. What a pain in the ass. Obviously, I'd had my ATM card skimmed - either at the Chase ATM (maybe that was why the transaction failed), or at the other credit union's ATM (it had been a very cheap looking system).

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