I bank with First Horizon. Several times now, they have declined my debit card, suspecting fraud, yet their Loss Prevention has never afforded me the courtesy of a telephone call. Last time, I bought something from Staples online, which appears as "Staples, Framingham, MA." When I called them, they wondered why someone from Raleigh, NC was making a purchase in Massachusetts.
I have, very occasionally, had calls from my credit union on my personal account. Most of the time it was ordering flowers from a florist in Scotland for my mum's birthday but they did catch a pretty big attempted fraud once. Once I told them about the flowers, they made a note and I stopped getting calls about that.
So, today, they declined another charge. Again, it was for something a tax professional would use - what used to be called Stevens Howard. I'm getting tired of this so my question is this - is it normal for business accounts to get charges declined at a higher rate than personal accounts and is it normal for Loss Prevention not to call within minutes?