Today, I finally found out that someone had stolen my debit card and maxed it out. The good news? Whoever it was forgot to change the address on the card, so everything they bought online has been shipped to me. The bad news? I've received 16 snuggies so far, and I'm still counting. FML
I agree, your life sucks (29539) - you totally deserved it (1685)
On 09/28/2009 at 4:36pm - money - by SnuggieOverload (woman) - United States (Pennsylvania)
They're the blanket! With sleeves!
Can you send me one? :D
#1 - On 09/28/2009 at 7:16pm by allmidnighteyes
Too many negative votes, comment buried. Show the comment.
debit card? dont you need a PIN for that , and since when could you buy online with debit?
Also, how do you max out a debit card?
hmmmmm what a conundrum
Many debit cards can be used as credit cards, I use mine to buy things online sometimes. If you use it as a credit card, you don't need your PIN. Also, the way you max out a debit card is to empty the bank account.
#11 - On 09/28/2009 at 7:24pm by KayleeFrye
You don't need a PIN for online stuff and debit cards can work the same as a credit card. I assume "maxed out" here means that the Op's account was drained.
OP: your name made me laugh.
It works with more than just Visa, it works with any debit card. And yeah online no pin is required, they just charge it as a credit.
Not really a conundrum..really simple to understand actually
Now the more important question - what color are the snuggies?
#29 - On 09/28/2009 at 7:49pm by pancakes_n_syrup
meh, I just have experience with VISA debits online. I'm sure it'll work with any other though.
#30 - On 09/28/2009 at 7:50pm by allmidnighteyes
#9 - i have a debit card, you use it where ever credit cards are accepted so pretty much anywhere, i use mine all the time, i've never needed the PIN for online purchases, only time you need PIN is when you use it in person, debit card is connected to your checking account so to "max out" on it would basically mean empty out the checking account
so try knowing what your talking about before you try to act like you know something, you not knowing anything about a debit card shows that either your a complete idiot or that you probably not even a teenager
#105 - On 09/29/2009 at 1:46am by Southernguy8503
Too many negative votes, comment buried. Show the comment.
Ugh. This is so stupid. You can't buy anything online with a debit card. If you're going to make a fake FML, at least know the difference between a credit card and a debit card.
lol Chill out dude. She did phrase it poorly. Most people would say "drained my bank account" rather than "maxed it out" as maxed out specifically refers to credit cards. Also, just people your debit card works online doesn't mean its the same everywhere. I'm pretty sure Canada doesn't have any or if so, not very many, banks that allow you to use your debit online. So i'm pretty sure you're the one taht looks like an idiot... =)
I don't get it. Debit cards don't have the address of the owner on it. And you can't find out anything about a person with just their debit because all banks require at least last four digits of social security number to tell you anything. And debit cards are harder to deal with because the cash is instantly transferred from the bank to the other business/person's account. I think someone who knew OP did it. OP, did you piss anyone off recently?
#119 - On 09/29/2009 at 11:12am by free2speak
Some debit cards can be used as a credit card too. I use mine online all the time. I would assume maxing it out means using up all available funds...??
You have been always able to buy online with a debit. Most if not ALL banks treat a debit as a credit..
The reason this is a FML, is since it was all shipped to their address, the OP can't claim it was stolen, in turn getting all their money back.
a snuggie is just a robe that is not put on right I have a south park 1 :)
#162 - On 02/02/2010 at 4:37pm by ioveruselol
Would of been better if you've gotten Shamwows or Slapchops.
#164 - On 03/04/2010 at 10:28pm by alexomAnexo
Go on YouTube, and watch the Snuggie parody..."The What the F*#K Blanket." It will cheer you up!
#2 - On 09/28/2009 at 7:17pm by KayleeFrye
I'm pretty sure if they bought that many, they didn't "forget" to change the address. Sounds more like they wanted to rub in your face that they swiped your card, and that you were out a bunch of money. On the bright side, now you don't have to fight with blankets when you need to do anything.
i would have thought that they kept buying them because the snuggie hadn't come to their address. on the other hand...it's kind of funny...maxing out a card on snuggies. OP, if you can't return them, sell them on ebay or something.
#20 - On 09/28/2009 at 7:33pm by the_stereotype
Well since you're receiving them all you can at least return them when this is sorted out. Or maybe keep a few... :D
ahaahahah maybe next you will get something even more special.
#8 - On 09/28/2009 at 7:22pm by Daaniellee1234
Pics or it didn't happen.
I say this because I would like to see what kind you got. Zebra print?
Send me one if so
#12 - On 09/28/2009 at 7:25pm by waterynuggets
fake.
you can't order things online without putting in a shipping address..
and i agree with #9.. you can't "max out" a debit card.
#14 - On 09/28/2009 at 7:28pm by hiitsmeeeee
Ok, you can't max out a debit card. Also, there is not an address attached to your debit card. If you buy something online you have to ENTER an address.
Come on, now.
You sure "someone" stole your debitcard? Could this have possibly been a product of a drunken/stoned night in front of the TV at 2am watching infomercials? These things DO happen. I'm just saying?
you mean you get to have basically an endless supply of WTF!?!? Blankets?
#21 - On 09/28/2009 at 7:33pm by FATTY_MCDOOGLE
Questioning the validity of a FML is actually against the rules to question so... Why bother doing it?
--------------
My... I must say, check your friends houses (Or people who hate you) because they are honestly the only sort of person who would know where you live to send you all those Snuggies (On the upside, someone has already bought you all the christmas presents this year)
Oh noes, mercy! What did you do?
I like the zebra better.
#31 - On 09/28/2009 at 7:50pm by Intoxicunt
This has happened to me before, except not with Snuggies. I checked my email one day to find several emails about products I had supposedly purchased over the past hour with my debit card. I immediately canceled the card before any more purchases were made, but I ended up with about $30 worth of useless crap. They were things like trials for teeth whiteners. I still have no idea why they stole my information just to send crap to my house.
#32 - On 09/28/2009 at 7:51pm by tristanfilups
It depends on who your banking with, guys and girls. Many (popular) institutions state that if it's not your purchase, it's not your problem. And the best way to be reimbursed for the fraud committed on your behalf, is to contact your financial institution. Unless you're banking with some "hole in the wall" middle of nowhere type of bank.
It's kind of hard to choose whether or not you deserved it, because you could have been careless and dropped it or you could have allowed for this to happen by not contacting your bank. Either way, FYD (Frick Your Day)
#95 - On 09/29/2009 at 12:26am by Super_Vegetto
Oh Snap. Didn't notice the comments 34, 36, and 56.
And snuggled could be useful. For Bon-Fires. lol, jk. I'd wear one indeed.
#96 - On 09/29/2009 at 12:32am by Super_Vegetto
The guys who make snuggies are scam artists. Either fake post or the fraud was committed by them/on their behalf.
That's actually kind of funny, simply because of what you got and the sheer number of them.
On a serious note though that sucks that someone stole your money, but if you call up your bank they'll cancel the charges, get your cash back, cancel the card so the guy who took it can't use it, and give you a new one.
They may ask you to return the snuggies but maybe if you're lucky you'll get to keep them, I've always wanted one just because of how silly they look, my friend and I constantly joke that if you had one you could be a warlock.
#34 - On 09/28/2009 at 7:53pm by ChaosChild
I fail to see how this is an FML, especially if you're able to report fraud and get your money back. I mean, come on! They're Snuggies! They're awesome!
It's 16 times the fun! You could make a Snuggie fort!
#37 - On 09/28/2009 at 8:02pm by allmidnighteyes
Since when does buying something with a debit card get it automatically shipped to the billing address on the card?
#38 - On 09/28/2009 at 8:04pm by someguy945
ROTFL! Even if it was fake/a prank/whatever, it still made me crack up!
#41 - On 09/28/2009 at 8:06pm by flgirlwguitar
I fail to see how this is an fml.
First, of all #38 makes a good point since when does buying something with a debit card get it automatically shipped to the billing address on the card?
Second, you could easily report it to your bank or whatever and get your money back, cancel the card, and hopefully keep the snuggies? lol
Third, Snuggies own ;DD
But, it is kinda funny.
#44 - On 09/28/2009 at 8:09pm by Reese899
sorry right, but can i just say... what the actual fuck is a snuggie?
#54 - On 09/28/2009 at 8:24pm by repyourcliche
why the fuck is everyone trying to prove this fml fake?
so what, fake or not fake, it was funny.
most of the fmls here are fake - and I bet a lot of you
had submitted some fake fmls yourself hoping it would
get posted on here.
(oh gosh i said "fake" and "fml" wayy to much.)
this was actually one of the best FMLs i've heard in a
while. I actually just watched the parody of snuggy. :)
http://www.youtube.com/watch?v=h05ZQ7WHw8Y
I actually have one myself. haha (:
my friend gave it to me as a present.
they're not as stupid as they seem.
now, i can actually grab my phone and
stay warm - at the same time!
hmm. i wrote too much (: i have no life.
bye!
You do realize that a snuggie is just a glorified bathrobe right? As in, I've been able to talk on the phone and be nice and toasty for YEARS before snuggies were even invented.
Anyways OP: yes that sucks. Call the bank if you haven't already.
Better yet. Go to the bank. I know at my bank they don't HAVE operators who pick up the phone. Its just a gigantic cycle of recording and at the end they say "if we have not solved your problem, please visit the bank in person"
#56 - On 09/28/2009 at 8:28pm by boatkicker
Lmao, that's awesome. I've actually had my debit card hacked into before through paypal, and maxed out that way. I think that's what happened here, because there is an address connected to that.
That, or it was a prank. Either way, I wish I had 16 snuggies ):
I totally just go a snuggie in the mail today from my dad.
Its pretty much a WTF blanket if you ask me.
Its pretty much the best thing ever.
Just embrace to snuggie.
#55 - On 09/28/2009 at 8:27pm by Jettasaurus
hahahaaa thats funny, i just bought a snuggie theyre so comfy and warm :)
#57 - On 09/28/2009 at 8:29pm by sunshine189
i think whoever stole your debit card probably knows you and hates you, and their intention probably was to deliberately send unwanted things to your place to irritate you so that you'd have to go through all the work of fixing things with the snuggies and your debit and whatnot. that's just my impression.
#58 - On 09/28/2009 at 8:46pm by god_damn_me
You can't max out a debit card, genius. You can max out a CREDIT card, but a debit card is money you actually have, therefore it doesn't allow you to spend more than the existing amount.
#59 - On 09/28/2009 at 8:58pm by triplethreat13
It's possible to spend more than you have in your account by overdrafting (writing a check or using a debit card when there isn't enough in your account). Two ways this can happen 1. money is transferred from your savings to checking, sometimes with a small fee for the service to cover the charge. 2. Money from the checking account is taken out up to the point where the checking is empty. At this point, the financial institution pays the bill but charges a fee for spending more than is actually there. There's usually somewhere around a $30 fee for each overdraft item, but the limit on how much you can overdraft can easily run a couple hundred dollars. At least, that's how most accounts are set up.
#66 - On 09/28/2009 at 9:19pm by erincolleen82
Erincolleen, you're obviously an idiot. Haven't you seen that many people pointed out that she is using the term "maxed out" to refer to the fact that her bank account has been drained? I use my debit card to buy things online all the time, and I do have the option of having it send to the billing address, which it automatically pulls from my card number. We live in a highly technological age, people, and the ones who are saying this is fake and that this could never happen are 12 year olds who have never had a debit card, or even a bank account.
#135 - On 09/29/2009 at 9:27pm by galafael5814
Definitely not a fun situation, but I've got to say, that would be a fantastic prank to pull on someone.
#64 - On 09/28/2009 at 9:12pm by daughterofair
hahahahahahahahahahahaha!!
you're so unbelievably lucky
#65 - On 09/28/2009 at 9:16pm by oneeyedwilly
Maybe you can trade them in for a Snuggernaut? Or a Mega Snuggernaut?
http://www.youtube.com/watch?v=bdY7Adc1LRM
Well, at least you can answer the phone without being cold!
#69 - On 09/28/2009 at 9:47pm by Stretchers
I call BS...but if it did happen you are only liable for 50 dollars worth of theft. That's what the FDIC is for...
now you can have the ultimate snuggie cult. MUAHAHAHAHAHAHAHAHAHAAA
just get 16 kid ones and 16 pet ones and your army will be complete.
#73 - On 09/28/2009 at 10:13pm by epicwinmaster
1) Why didn't you call your bank and have them cancel your card after you noticed it was gone/you'd received the first snuggie?
2) Why don't you just return the other ones?
#76 - On 09/28/2009 at 10:36pm by valuemeal2
Now, are any of them the new luxery snuggies? Or better yet, the DOG snuggies!? Because that might just be cause for celebration...
#77 - On 09/28/2009 at 10:36pm by bamboozled89
I saw Snuggies at FYE...
I'm pretty sure the commercial lied when they said "Not sold in stores."
#78 - On 09/28/2009 at 10:37pm by PhantomxBrave
sell them to other people or give them as gifts for Christmas
#86 - On 09/28/2009 at 11:44pm by scurvyseadawg
Somehow I doubt they "forgot" to change the address. They're probably laughing their asses off now at the lovely prank they just pulled :D
#90 - On 09/28/2009 at 11:56pm by MadeOfAwesome
Lmaolmao hahaha
There are times when I wish I had a snuggie
#91 - On 09/28/2009 at 11:57pm by shootingstar8D
I agree with the handful of people who said that the person who stole your card probably didn't forget to change it. If I ever decided to pull some crap like that, that would probably be what I would do... but probably not with "snuggies." It would likely be from adult toy stores and a few dozen crates of medication for hemorrhoids. Heh, let them explain those shipments to their friends/spouse/visiting grandmothers.
I fail to see the problem in this! xD Oh well. You can sell them on eBay or something, at least. Right? =D
After the obvious FYL, I'm do sorry, etc all I have to say is
AWESOME
:D anything about snuggies = awesome
#104 - On 09/29/2009 at 1:39am by mollytamale
well sounds like a joke to me, who in their right minds would buy a bunch of snugges when they have "free money", i mean really, plus it would be stupid to change the address to the person that stole it because well then you can easily be tracked and they'd know who did it, probbly find out the address in less than 5 minutes even if you used a fake name, so that being said i think it was a joke, i don't know if this is a fake FML but its at least a joke on the person
also the snuggie is stupid, good idea but really all you have to do is get a robe and put it on backwards, same thing, sometimes its better to have common sense than "brains"
#106 - On 09/29/2009 at 1:53am by Southernguy8503
OP is a moron.
1. You don't 'max out' debit cards. You max out credit. You CAN drain your checking account with a debit card, but it's unlikely since most credit unions will have a limit on the ammount that can be spent using the card in a single day. And most credit unions will be monitoring the spending, so will call you to confirm that you're actually making the purchases.
2. Debit cards don't have an address associated with them for shipping. While your credit union will have your address on file, but won't just give it out. Credit cards have a 'billing address', but billing != shipping.
Next time take at least a second to do a little research.
Maybe then you'll learn at least the basics of the topic about which you're composing your fake FML.
#108 - On 09/29/2009 at 3:25am by Grangoire
#1= Not true. I am a college student and on several occasions I have "maxed out" my debit card, that is to say spent more than $7,000 on it. No it was not on shopping sprees but I had to pay my tuition for college. My debit card's limit end where my bank account's limit stop (and since I have no overdraft protection), I can even overdraft my account by up to $500 dollars. Which can leave me with a negative balance. Much worse than credit cards.
#2= I agree. But still if you pay using a credit card, you have to enter a billing address. I do tons of shopping online and there is not one single site I have encountered that will automatically fill in your billing address for you if you provide your cc number. A debit/credit both need addresses and that can not simply be "filled" automatically by sites. Unless the person who stole the card bothered to look up your name on the internet, that's the only way he found out your address. And still, it shows someone was just being an ass to the OP.
#120 - On 09/29/2009 at 11:21am by free2speak
My debit card definitely has my address attached to it as the "billing address" because it is a Visa card. And banks have debit cards too, not just credit unions.
And, just because no one reads it, here's the rules for commenting:
FMyLife's comments policy
We allow people to post comments on the website, but we also have a few rules and guidelines that need to be respected.
* TXT language and abbreviations are forbidden on the website. Be careful with your spelling and read your post a few times to be sure before posting. Do not hesitate in using an automatic spelling corrector to avoid spelling mistakes.
* Advertising is forbidden in the comments section.
* Respect and good manners are essential. Don't post any shocking or hateful comments about the other users or the original poster of the FML you are commenting on. Remember that Fmylife is a site open to a wide audience.
* Don't post any comments which comment on the validity of an FML (screaming "Fake" for example), or even on whether the FML deserves to be on the website. Don't ruin the website for the other users.
* Controversial and out of context comments are forbidden.
* Flooding the comments section, like the same user sending 3 or 4 comments one after the other in rapid succession is forbidden.
Please try to understand and respect the moderator's decisions, whose aim is basically to keep the website clean, and make it a place that people can enjoy on a regular basis without being insulted or offended.
Everyone should please refer to number 4, where it says commenting on the validity of an FML is against the rules. And then knock it off, because it's annoying.
#136 - On 09/29/2009 at 9:31pm by galafael5814
jeez, complain much? so youre recieving gifts from a stranger and your life is ruined?! you should be thanking them for thinking of you and your obvious lack of warm clothing. you dont deserve it, stop being so self entitled. you may not have wanted a snuggie, but thats what you got, seriously youve got no money youre in no position to complain about gifts.
#110 - On 09/29/2009 at 4:35am by organisedchaos
there are some idiots on here...of course you can max out a debit card. maxing out one pretty much means that the person has emptied his bank account. aka he is now broke apart from what could be in his savings...also snuggies rock, FML because tbh I wouldn't want to spend all my money on them
also if I have bad spelling or grammer. don't mention it. because that males you even worse than the trolls on here tbh...
#111 - On 09/29/2009 at 4:44am by wrigglezeus
ydi for not calling your bank and putting your account on hold
#113 - On 09/29/2009 at 7:13am by ifinishlast
Ooooh! Could you send me one of those "freebie" booklight things that came with them please? I'd appreciate it. =p
BTW, what do you mean by "finally?" Just how long has it been missing anyway? If you lose your card for any significant length of time, it's smarter to close the account right away, since the possibility of identity theft is much worse than simply having to set up a new account. It's even more recommendable considering the fact that it's harder to get fraudulent usage problems fixed with bank accounts than it is with, say, credit cards.
#116 - On 09/29/2009 at 9:38am by blastvortex
This same thing happened to me a couple years ago! My bank called me to tell me that they had noticed a whole bunch of strange purchases on my debit card and wanted to find out if I had made them. I hadn't, so i cancelled my debit card. Then, a whole variety of different boxes and packages started showing up at my house. There were children't books from scholastic (i don't have kids), coffee (i hate coffee), cookbooks, beauty products, PC Wizard, etc. What was really strange was that some of the boxes were from sketchy infomercial type companies like PC Wizard...while others were from reputable companies like scholastic and seattle coffee.
The next thing I had to do was call each of those businesses (there were about 20 of them) and tell them what had happened. Some of them were nice and reimbursed my account....some of them did not. Some of them let me keep the stuff, and some of them didn't. (In case you were wondering, i ended up with several cookbooks and a box of specially flavored coffee).
I also remember having to file a TON of paperwork with my bank. In the end, I got all my money back except $50. (That company refused to give my money back and the bank failed to prove that that purchase was fraud). So...this sort of thing really does happen! To this day, I have no idea if it was someone playing a really mean and twisted joke on me or if my debit card number was stolen by some idiot on the internet. So...good luck with sorting your mess out!!
#117 - On 09/29/2009 at 9:50am by coral_reef
Whoever stole and maxed out your debit card needs to get their ass kicked, solely for buying Snuggies after seeing those infuriatingly corny commercials.
If he bought them purposely to send them to you, he sucks for turning free money into a joke.
#121 - On 09/29/2009 at 11:26am by Witchcraft
What are snuggies? I've never even heard of them.
*Consults Google*
#122 - On 09/29/2009 at 11:38am by Alphabetica
Oh my God! They are appalling and it's odd how they look like priest's robes :|
#123 - On 09/29/2009 at 11:41am by Alphabetica
I literally lmfao.... this is the funniest shit ever... maybe it was a friend just fucking with you? that's the best prank if not... then it sux your card was stolen but at least you can return the stuff and get your money back!
Omg, why are you all as thick as shit? Of course you can buy stuff online with a debit card! I would know seeing as I do it fairly regularly..
As for snuggies, they really are what the fuck blankets. They're absolutely hideous. I feel sorry that you had pay for just one of these sleeved devils, let alone several.
#130 - On 09/29/2009 at 5:27pm by AshtrayHeart
I think the 18 Kids and Counting mom has your card.
#131 - On 09/29/2009 at 5:47pm by xSceneSceneBabyx
Count yourself lucky, one can never have too many Snuggies.
#133 - On 09/29/2009 at 7:45pm by TheMusicNote18
Is it just me or do "Snuggies" look like cult robes? I mean what's next a "Pointy hat snuggie to match" ?!
=D
Oh and they come in leopard and zebra print now too! =O
#134 - On 09/29/2009 at 8:52pm by DoveOrHawk
those things suck...blankets with sleeves? Just wear warm clothes!
#137 - On 09/29/2009 at 10:26pm by powermad80
this doesn't make any sense ....you have to enter a shipping address when making purchases online. you don't change the address on the card for shipping....
if you ask me, this person probably stole your debit card, and instead of shopping for themselves and forgetting to change the address, thought to themselves "hmm...what would be a silly item to send a ton of to this person's house as a prank?....SNUGGIES!!!"
I love the newest Snuggie commercial where they're raising the roof in their new stylish snuggies and the poor little dog just sort of laying there lifelessly on the couch in his little snuggie. It just doesn't get any funnier than that!!! : )
a. honestly, who really cares that she said maxed out instead of drained?
b. do you realize how easy it is to go to "www.yellowpages.com," type in someone's information, and then get their address?
c. sell them on ebay... you'll get a few good bids
At least you'll be warm in the winter. Now how about cookie, hm?
#148 - On 10/02/2009 at 12:59am by ShiiSora
You don't need to change an address on a credit card to have something shipped to you - I buy things and have them shipped to others all the time. This sounds much more like someone you know is playing a joke on you
i doubt that they 'forgot' to change the address. they probably just thought it would be funny. hahah and time magazine voted the snuggie in the top 5 worst invention ever.
