oooh boy. The memory stuff with my mom is getting worse all of a sudden. And to do with money, for the most part.
I mentioned last week she called because she was getting someone trying to call her and get $299 out of her for computer stuff. I was able to get into her Comcast log in. That didn't get changed by my step brother, but probably only because she doesn't ever use it. Her bill is auto paid. She doesn't use comcast email and has no idea she can log in for phone settings, etc. So, that's when I blocked that number from calling her back.
Friday, I'm looking at her call log and a ton of calls to her bank. I'm wondering what is going on, but I was out most of the day Friday.
Then DD told me that my mom called her last week(but called her husbands cell #) and wanted her social security #. Something to do with her will, but DD wasn't quite sure and with these memory issues was a little nervous even giving it to her. I said I'd ask her about it.
Then I call her yesterday to say hello and find out she had a charge on her bank credit card she did not know what it was for and spent a bunch of time last Friday on the phone with her bank about it. She said she was looking online but couldn't tell if it got fixed or not. I said, well, I have your log in - remember, you gave me all that before, but it must have gotten changed, it won't work. She says "oh yeah, your step brother changed that too (WHAT IN THE HELL?!). So, I got the new login and password out of her and logged in. I see this charge for $1550 to a company in the town her BF lives in and it also has a ph# given. Then she mentions something about my son...maybe it has something to do with him....she loaned him some money. I'm like did you give him your credit card#?? No, I don't think so.
As I'm looking at her online bank summary page, her savings account says in RED negative $888,896.93. WHAT IN THE HELL?! I open the account and the last transaction is 6/20 "on hold" for that amount. Other than that she is supposed to have like $96 in it. I ask her to look at that (she is online at same time as me). She has no clue.
So, I told her to call her bank and ask about it. I will call this number that put the charge on her credit card and find out what it is. I call......sure enough...it's something for my son. The guy said he bought a used truck and that he said he was getting the down payment from a relative and gave him the credit card# to charge. I said ok, that helps me to know what this is. I explained my mom is having memory issues and doesn't recall doing this and I'm not quite sure if she had this charged stopped or not, but I will get back to him.
I call her back. She is totally confused. She thinks she gave my son $2000, but thought she gave him a check. She said she has written down note to herself "loan to DS, $2000". I said well, he says you gave him your cc# so he could do the down payment and it's $1550, last Wednesday. I cannot get out of her if she disputed the charge or not. She says "well, I should probably cancel that card" I said well, your email from BofA yesterday says they are sending you a new card out, so it looks like you already did? Oh, I guess so, she says.
then she tells me she didn't call the bank about her savings, she was waiting to hear what I found out about the charge (2 different issues). I said ok, well, since we aren't sure if you disputed this or not, you need to call the bank and find out. Tell them it's a legit charge. So, I wait an hour and call her back. She says the bank is supposed to call her back. I wait another hour and try to call her but she doesn't answer. Later in the evening she calls me back. I asked if the bank called her back? By then she couldn't even remember why she was supposed to talk to the bank. I'm trying to explain it to her again and so she's going to get online with her bank, only I don't know what she did. Suddenly her computer is on some weird screen that I can't figure out what she is telling me. It was like her computer wanted her to log in, which she doesn't have set up like that. I got her to shut off the computer and restart but it came back on the same screen.
So, I'm logged into her bank online taking a closer look at all of it. She has checking, savings, and 2 visa's on it. I notice the 2nd visa has a small $200ish balance and says "Past Due!". I look at that closer. She used the card 3 times last May, hasn't used it since, and never paid the bill! She's like what? I didn't even know I had 2 cards. So, she looking in her wallet and tells me she doesn't even know where her other credit card is either. What in the world is going on? She can't find this 2nd card in her wallet either. I said, well, I'm just going to pay this right now, online, and it will pull the money from your checking to pay it off.
I still don't know why my step brother changed literally all most all her log ins and passwords. It has her so confused. I emailed him, basically asking him why. I said I have all her info written down in a notebook, for me, in case something happened, like she ended up in hospital, so I could take care of everything. I have her accounts, logins, bills list, insurance co info, dr info, medicine list, etc. If stuff is getting changed, I really need to be in the loop.
This morning first thing, I log into her account again and sure enough, she did dispute that charge. I call the bank and tell them I am on her checking as a signer, but not sure about savings. She says she can't talk to me, unless mom ok's it, but I did explain about the -888,888 dollars in savings balance and she was able to tell me that was their code for a fraud notation. So this was back from June. Not sure why it hasn't cleared off. But, she does suggest a great idea. That I do a 3 way call with them and my mom, so I can get all these issues resolved. So, now I'm going to call my mom and attempt this....I am hoping that the charge that is in "dispute status" can just be un-disputed so it still goes through. That's what I need to find out. Wish me LUCK!