Flattery – Justice – A Reflection

These little reflections Flattery and Justice were authored by Akiane kramarik between the ages of 7-11 in her book titled My Dream Is Bigger Than I – Memories of Tomorrow – Part Six Page 243 – “You will need your own copy of this book to view the full text of this poem.  I limit quotes for the purpose of discussion and to follow copyright guidelines that allows for limited quotes.”

The featured image I choose for this reflection is of my son enjoying a scenic view on one of our epic trips…I will now quote from Akiane’s reflections…In Flattery Akiane writes…”flattery is escapism” I left out part of that reflection…In Justice Akiane writes “Justice empowers”…Leaving out a part of that reflection Akiane writes “the laws are discarded and justice is smeared.” Ways laws are discarded so as to smear justice can be very sneaky or stealthy…Like stealth verbal and word bombers…Profane laws are established making murder legal as evidenced by profane abortion laws….Statutes Of Limitations limit access to justice for many victims of abuse…Statutes Of Limitations limits the scope of the ability of victims of abuse to access justice…The ones purchasing these vile statutes of limitations understand well that trauma victims cannot process trauma quickly and that children who experience trauma take years to process this trauma and often cannot verbalize what they experienced until years later…I would know because I experienced childhood trauma that took me years to process…I needed years of professional counseling to get well again…Then only in my forties was I able to verbalize in an intelligent manner what I experienced and by then vile statutes of limitations robbed me blind of my right to access justice…My voice was systemically and categorically silenced…So the only way I get to shout from the roof tops is through my blog and you tube…Many today are not empowered by justice and many like myself feel helpless and denied access to justice across the board…I will share a detailed report with my readers about a fraud alert protection company whose systemic algorithm is flawed and whose staff members here in the USA will likely get fired over how I was treated as a consumer bank card holder…Before I share this report…Notice that I purposely do not name the fraud alert company or any of the parties involved to avoid bogus trumped up charges that I do things I do not do…I will share a little more of my unique background…With my excellent four year business degree from a top school of business…I worked in a job whereby I wrote the scripts for call centers and managed permissions for those who conducted these call center jobs from home…This was many years ago…Part of that experience incorporated the use of computer code such as Sequel Server and other such computer code languages…I also obtained my MCP certificate which is an acronym for Microsoft Certified Professional. As part of an MCSE certification training program MCSE is an acronym for Microsoft Certified Solutions Expert…For a computer based programming educational program that I pursued years ago…I did not complete the full MCSE program but learned enough to do my scripting and permissions job very well…This experience served me well in compiling my most recent consumer report…I will share my consumer report here with my readers…Consumers have rights that are often systemically and categorically ignored…Enjoy my latest very detailed consumer report…Sent directly to the corporate headquarters and all concerned parties…

A consumer report

Pursuant to my phone call placed today on Wednesday August 5th 2020 that ended at 8:45 am my time…I spoke to B who provided me this email with which to provide my feedback to your fraud alert corporation as a consumer…Thank you B for giving me a voice through this email which I trust that either you B or R will forward to the correct department internally at your fraud alert corporation that handles the Fraud alerts for consumers like myself…

I bank with a very nice bank where I live…My name is one pissed off consumer and the phone number that your fraud alert uses to text me fraud alerts is 000-000=0000…My address for receiving mail is where one pissed off consumer can be reached in writing… And my physical address is well very physical what more can I say…For purposes of my blog I purposely rename personal details with silly details…
I will list for you fraud alert corporation the series of events that took place with your fraud alert detection system on Saturday August first 2020 the day of my birthday that lasted all the way through Sunday leaving me the consumer extremely upset so upset that I filed a formal complaint and report on ways this fraud alert system can affect the well being of consumers..
On Saturday August first 2020 at exactly 1:15 pm my time…I received a free message to my phone from a five digit number which is the default number listed as the sender of these fraud alert texts for consumers like me…It reads as follows “FreeMSG Bank Name Fraud Center 877-000-0000: [the phone number is underlined and in blue text]: X dollar amount on card 0000 at MERCHANT.  If valid reply YES, fraud NO. To Opt Out, STOP.  I tried to reply with the text YES but received an exclamation mark reply in orange saying failed to send…I have full phone service so my inability to reply to this text is beyond my understanding.  This obliged me to then call the phone number listed and your fraud alert system does not recognize my phone number which seemed very odd to me and it made your fraud detection company look fraudulent…Prior to this experience I had no idea who your corporation is…When I call the phone number listed in that text…I hear this message “Welcome to the Fraud Detection Message Center –  for English Press One Para Espanol Oprima  Dos”…Sorry if spelling is wrong in Spanish…This message is repeated three times then if you do not make a selection the system says “I’m sorry the systems currently experiencing difficulties please try your call again later” then the system disconnects the call…
When I press option one as I am more fluent in English than Espanol and do nothing else but simply wait and listen…I hear the following long message…”One moment while the system retrieves your message.  There may be a brief pause while it processes your information.  I’m sorry the system was unable to locate your message…Please enter the area code and telephone number where you received our message.  I’m sorry the system did not receive an entry.  Please enter the area code and telephone number where you received our message.  One moment while the system retrieves your message.  There may be a brief pause while it processes your information.  I’m sorry a message could not be found using the phone number you entered.  Or your message may have expired.  For your security it’s important that you speak with a fraud detection center representative.  One moment while I connect you.  This call may be recorded for quality assurance purposes. While on hold I hear the following recorded messages.  “We are committed to providing the best service.  A representative will assist you momentarily.  Please stand by while I update a representative with your information.  Connecting you with a representative should only take a few moments..A representative will assist you once your call is connected…
Now when I press option one and I enter the phone number as requested by the system that was used to receive the message…I get the same response that the system was unable to locate my message…The caller is asked to enter their phone number two times in total before once more hearing the same scripted systemic message…I want this feedback to be provided to the right people at your company because…When consumers like myself receive a fraud alert text and I am sending you screen shots of the texts I received…No mention is made that this fraud alert text message may expire…Therefore, consumers like myself do not know that when we get a fraud alert text that this text may expire…We do receive an expiration time when we receive authentication codes but not when we receive fraud alert texts…Also listening to a systemically recorded message like that can create anxiety in callers and can also make callers feel like they are being yelled at and pressured to enter information quickly…Many people are stressed out enough already with the pandemic…A recorded response to a fraud detection alert that in my case was not necessary but I understand now why I got that alert…That Merchant I used pinged my bank card four times which then triggered your algorithmic system to put an automatic flag or fraud alert restriction on my bank card…I understand this better now but did not understand that on Saturday August first 2020…By the time I am connected to a call center representative I am already feeling yelled at and punished just for using my bank card in a normal manner…Also when I do get transferred the hold times can be excessive…So then I wait on hold for an average time of at least ten minutes wait time only to be transferred to a call center outside the USA which upsets callers like me because…I feel like I am being called a fraud when I am not a fraud and then I wonder is what your company a company not known to me a fraud and committing fraud by obliging consumers to speak to strangers at call centers outside the USA wondering if our sensitive banking data is being breached that way…
The screen shot I am sending you is of a fraud alert Text I received on June 12th 2020 at 9:54 am and my attempted response of YES sent at 9:55 am…Which failed and then when I called the phone number I got the detailed message I send to you in this email…It seems to me that your system is flawed your algorithm is not working right because there was no time for that fraud alert to expire…I ask you to reference the attached screen shot showing you this…On Thursday July 2nd 2020 I received another Fraud alert text at 10:18 am and my attempted reply sent at 10:19 am did not go through…Then on Saturday August 1st 2020 I received yet another text alert at 1:15 pm and my attempted reply at 1:16 pm did not go through…Attached to this email are the screenshots of these three fraud alerts…Then when I finally get connected to your fraud alert department the experience goes like this…”Hi thank you for calling the fraud prevention department this is agent S”  S is the agent whom I spoke to just now that call ended well and I am being transferred as we speak to the Call Center Department which S told me is a full services Call Center Department that is international and is usually located in the USA…S told me there is no guarantee that I will be transferred to a call center in the USA but that she would be glad to transfer me at least to the full service Call Center Department in the USA…I was put through to the Call Center Department in the USA and spoke to a woman named L who spoke very fast…L is a woman I spoke to over the weekend who was very rude to me…This time L’s performance was horrible…I had to ask L to slow down her speech…L became angry and in a angry tone of voice demanded my card number which I was more than happy to provide except L would not stop talking over me and acting very angry…L then rudely hung up on me not giving me the opportunity to provide her with my bank card details…
First I will go over the scripted response your employees are obliged to go by when we are connected to call centers that are often outside of the USA…S who was very polite proceeds to follow her script and asks very politely “Are you calling in response to a phone call a text or a letter?”  To which my response is I am calling in response to a few texts I received…S then politely asks me “Do you have a case number”  To which my response is no I do not have a case number…S then confirms my telephone number is 000-000-0000 and my card ending in 0000 is correct…S  then asks me to state my full  name as it appears on my bank card which I respond with my name but on this blog tis one pissed off consumer…Then S proceeds to ask me this question “Am I speaking with the cardholder?” To which I respond yes you are speaking to the card holder…S thanked me for that information and proceeded to follow her script and said “To fully authenticate the account the phone number that you provided me with is that a valid phone number that you are able to receive a text message?”  A question like that could trigger in me an angry response because I already got a few texts on this phone number clearly agent S has the information that this is indeed the phone number that I use…So a question like that is excessive not needed because it is established that this is the phone I use…All the same I replied politely yes this is a valid phone number that you can use to send me a text…S then proceeds to follow her script and tells me the following…”Standard data rates may apply based on your mobile carrier.  Can I proceed and send you the text message?”  Again this statement is offensive and rude that is not agent S’s fault she is simply following a very obnoxiously rude script…Consumers like me receive free text messages stating there is a fraud alert then we must go through ridiculous hoops including being forced to feel like we are having it socked to us that we will have to pay for the authentication code text…It is ridiculous…I replied to S yes you may proceed and send me the authentication code text…Which once I received that text it reads as follows…From a different five digit numbered source text the message states “Your auth code is #000000.  It expires in 10 mins.  For security, only share with agent.  Don’t recognize this request? Call 1-844-000-0000 [ phone number is in blue text and underlined].  Msg&DataRatesMayApply”  That is the authentication code message…I read the code back to S who was then able to provide me with her response which is that no fraud was detected on my bank card that the case was closed…I asked S could she provide me with a case number pertaining to this most recent fraud alert text dated August first 2020 she replied she could not for security reasons…I replied that perhaps it is because in this case no fraud was detected which means there is no need for a case number…I politely asked S is it possible to be transferred to someone in the USA..S stated there is no guarantee she can make that happen but that she would try…That the full services Card Care Services Department is International and is usually located in the USA…I replied that is ok thank you for trying and S then transferred me to the full services Card Care Services where L answered the same nasty woman I spoke to over the weekend…My experiences with the Card Care Services Department in the USA has not been good it has been very unpleasant…Many members of their staff are very rude and either act stupid or are simply not properly trained…L hung up on me which obliged me to start the process of outreach on my part again…Which obliged me to call the toll free number and going through the same authentication process…This time I was lucky enough to get agent S again who is very polite and after going through the same authentication process S is transferring me now as we speak to the full services call center in the USA…S told me that they do not have a direct phone number available for card holders to call the full services card center which is why she must transfer me after authenticating me…I am now on hold with the full services card center…The abuse that I received was on the part of the full services card center in the USA whose staff members were very rude and did not help at all…I was lied to many times whereby I was told that my card had a restriction on it that they removed that I was free to use my card…I would then try to use my bank card only to receive declines…This went on for a long time where I felt like I was being treated like a dog obliged to chase its own tail…The amount of energy I had to put into getting restrictions lifted from my bank card was what escalated my anger and incited in me a very escalated angry response…It seems to me that some members of your staff at the full services card center are not trained properly and as such come across to consumers like me all wrong as if these ones take sick pleasure in making card holders suffer…Ones like L who on Saturday August 1st 2020 told me she could not remove a restriction from my bank card…Only to discover that another employee was able to remove the restriction once I went to a local merchant where my card was declined and after once more speaking to fraud detection a restriction that L seemed to falsely claim she could not remove or lift was lifted…This is terrible it is not acceptable…I am asking for a refund of two purchases that I felt obliged or forced to make purchases that i did not need to make but tried to make just to see would my bank card work…A purchase made at MERCHANT Online and a purchase made at a local merchant…Both purchases I was not planning on making…I would like to seek compensation for time lost from my work whereby my rate of pay is $24.00 an hour…I lost time from work and I experienced pain and suffering as a direct result of gross mistreatment by members of your staff at the USA Call Center…This time when S transferred me I had to wait on hold for some time then B answered and after some gentle prodding she provided me her employee ID number which is:  00000…B told me that the full services call center is located in the USA but refused me any other details…I received confirmation that L works at this call center and is not a manager that the mangers at this call center are S G and C and I do not recall speaking to any of these managers…I ask that employees like L who are very rude obnoxiously rude and who do not seem to care about their job or the folks who call in be dealt with and corrected or let go…It is not ok that L gave me the consumer false information about my bank which is A very nice bank that is not ok…My very nice bank is upset by this…I will furnish a copy of this detailed report to whom it may concern…Further to this B refused to provide me the name of the managers at this call center and it was only after I read her my legal rights as both a citizen and a consumer did B provide me the names of the managers…This is ridiculous…It seems that employees are not properly trained and do not know how to respond to callers like me…B apologized to me for my ordeal and I also apologized for things I said…I accept B’s apology and she accepted my sincere apology…It is my hope that you will give consumers like me a voice and correct the flaws in your algorithm and issue me modest refunds for purchases that I did not need to make but felt forced to make due to restrictions not being lifted in a timely and efficient manner.
Attached are the screen shots of my fraud alert texts…
Respectfully Submitted and signed by [my name] which for this blog is replaced with One Pissed Off Consumer who has had enough already…

…………I am establishing ways horrible fraud alert companies abuse consumers via flawed algorithms and horrible staff who are not properly trained…………

As a thank you for reading this reflection enjoy my latest songs one titled Gird My Loins addressing the problem of modern strange love false love gone horribly wrong…I also include a song I sing not my own titled Darradarjoo about the Battle Of Clontarf in 1014 in ancient Ireland – The Battle Song of the Valkyries an ancient Skaldic Poem that I sing…Enjoy my latest Fraud Alert Song… …………Namaste…………

………….Fraud Alert Song – A spoof Fraud Alert Song…………
………….Darradarjoo – The Battle Of Clontarf April 24th 1014 – The Battle Song Of The Valkyries – an ancient Skaldic Poem…………
………..Gird My Loins – Addressing the problem of strange love in this century…………