Lawndart
Identity stolen, fraud department can't lock the account - they have to manually respond to each charge.
I had my identity stolen during a move, and we quickly discovered this when a checkcashing place called me, suspected fraud. We immediately called the police and called SunTrust to warn them that the ID thief might try to use our bank account information at a different store. This was around lunchtime on Friday. We asked them to lock the account until the police caught the guy (which they did a few days later). The Fraud agent at SunTrust noted this down, but then over the weekend, the thief was able to buy several new phones at AT&T and, according to SunTrust, the fraud department isn't staffed over the weekend, so no one was available to deny the charges when they came through. Luckily, with the police report, we eventually got the money back from SunTrust a few weeks later, but I was amazed that the Fraud department had no way to automatically stop the charges coming in to a compromised account.

