First thing this morning (because it was too early to call my mom in her time zone) was I called her bank. I know I am on her checking...my name is right on the account, too when you log in, but not sure if I'm on her savings. That's the one showing the weird negative balance of $888,888 dollars. She tells me she can't talk to me, can I put my mom on phone to authorize. I said no, she's not with me. Then I just explained I was trying to find out what this strange negative savings balance is. She was able to tell me it's their code entry for a fraud transaction. It's dated from June, so not sure why it's hasn't cleared up. Her statements don't show it. I explained my mom is having memory issues so I'm just trying to resolve this and an issue with her bank credit card. That it's just too much for my mom to try to call in and figure out. She suggests I do a 3 way call with them and my mom, so my mom can verify herself and then authorize me. That was such a great idea. I thanked her very much.
Then I waited until around 8:30 mom's time, hoping she was up already. She was. I explained to her that I'd like to call her bank and see if this credit card charge that got disputed as fraud can be put back on her card as a legitimate charge. I told her now, it is showing up on her account as credited back to her, so the company is not getting their money they thought they were. She said let me look online at my bank account. I said, ok, are you able to get back on your computer this morning? you couldn't last night. She did not remember that at all. Well, the rest must have done her some good, as now she knew how to get on her computer. Apparently my step brother changed that too!! (again WHAT IN THE HELL?!). Now, she has to enter a password to open her computer, but this morning she remembered that. (she says she doesn't like it) Last night she couldn't. So, she got on and knew exactly how to log in her bank, so that was good. Then she notices the "past due". I said ya, we talked about that credit card last night. I paid it online for you out of your checking, so it's all good now. It should show up as paid tomorrow.
I called the credit card company. Then got my mom on the call. She verified herself and said yes, they most definitely could talk to me and they told my mom she could get off the call if she wanted to. Then I explained the situation. She put me on hold, came back and said she's transferring me to the fraud dept, since it already got tagged as fraud. On hold forever and finally someone comes on....she won't talk to me...needs my mom to authorize again (omg), so I get my mom back on and we go through it again.
Thankfully, they were able to remove the hold/fraud/disputed tag on it, and now the charge will go through ok. Later on I'll call the back on the savings account and have to get her to authorize me on that and get that cleared up. But, the credit card was the priority today.