Stolen Rental Car Part 2

With the warning that I needed to be at the airport really early in order to try and get clearance to fly without any identification, we were dropped off at Lambert St. Louis International Airport three hours before our flight. We first stopped at the American counter, where you normally have to show your driver's license to get your boarding pass. It helped, I think, that I had a credit card with my name on it as it had been in the gas pump when the car was stolen. The desk agent printed out my boarding pass, as well as Jim's, and directed us to TSA downstairs. 

When we got to the TSA agent, I explained that my rental car had been stolen, along with my purse, ID, and all my luggage. He asked if I had a piece of mail on me. Really? I said I had nothing but my credit card. At that point he called for another TSA agent, and had us stand off to the side. A female agent came to get me, and told Jim he had to go on through the checkpoint as he normally would. She took me to a separate desk, where she proceeded to ask me a bunch of questions. Then she said she had to call someone else (Homeland Security?), and explained that they would ask me a series of questions. She said I would only have one try to answer them correctly. Okay, no pressure... I guess I did okay, but then she took my new phone, my credit card, and one of my shoes for a special test. I went through the security line, and got some extra patting down. All that was just fine with me, and I was able to board and go home. I do have global entry status, and I'm wondering if that helped. 

Our neighbor picked us up at the airport in Charlotte, and while driving home we noticed that both Jim and I had a bunch of "No Name" calls on our phones. When he got one that said Creve Coeur, he answered in case it was something to do with the car. It turned out to be a north county police officer who was looking for me. I took the call, and it ends up he had found my suitcase and my iPad. He had gone to the parking lot of an apartment complex to arrest a suspect in a different car theft. When he got out of his car, he saw a transponder laying in the lot. His first thought was that it had been pulled out of a rental car, so he started searching the area. Thats when he found my suitcase and the luggage tag nearby that they had torn off. He also found the iPad, which he opened up. He saw a message from someone asking if I got home okay. He just asked me to describe the iPad, which I could as it has a case on it.

He told me I needed to pick up my stuff by 7:00 that day as that is when his shift ended. If I didn't come and get it, it would be boxed up and taken to the central headquarters in Clayton, and it would be harder for me to retrieve. I explained that I was back in Charlotte, but would see if a friend could come and get it. I admit that I was surprised they didn't want to dust the items for fingerprints, but maybe I've watched too much crime t.v. My friend was able to go and collect my stuff, and we did a FaceTime call when he got back to his house and opened up the suitcase. It was obvious that they had gone through everything as my packing cubes were all emptied out. Some items (like the iPad and my pickleball paddle) had been in the backpack, but the paddle was now in the suitcase. My friend shipped the suitcase and iPad to me the next day.

When I received my stuff, the suitcase was all muddy but in good working condition. As I went through everything, I realized that the packing cube with my dirty laundry in it was missing. So I didn't get back some pickleball clothes, underwear, shorts and shirts. Also out of my makeup bag they took my mascara, nail clippers and tweezers. The backpack, which has not been found, contained ear buds, my purse, charging cords for all my devices, sports glasses and a pair of sandals. 

The thieves managed to use my debit card (even though they didn't have the PIN number) five times before the bank shut my card down. They used it immediately after the theft of the car, so before I was able to finally get to a phone to call and cancel the card. My bank's fraud department is taking care of the charges. I called the police department where the car had been stolen and told them the addresses where my air pods and phone were located, and also where the debit card had been used. I talked to a detective (not the responding cop), and he said the debit card locations would be very helpful. And I said yes, especially if they can match the description with my eyewitness. He said, "You had an eyewitness?" And I told him about the lady on the motorcycle. I said she couldn't hang around and wait for the police as they were trying to outrun the rain from the hurricane, but she gave us her card. He asked if I gave it to the cop, and I said we tried to but he said he didn't need it as he would review the surveillance tape. Which then made me ask the detective if they had seen the tape? He said there was no record of it, so I was sure it was long erased by then. While I had him on the phone, I told him I had left two messages with his department requesting the police report. I need it for insurance purposes. He said it would be 7-10 days before it would be available. He did take down the names and numbers of the two people who had been filling up the same time as me.

In reviewing our documents, I found that the credit card I used to pay for the car rental covers damage as well as theft of rental cars. I have rental car coverage on my automobile policy, but I decided to file the claim through the credit card company instead. Virginia Surety handles these claims, and they need a copy of the police report and rental agreement to process the claim. I also filled out on online claim form with Budget to cover all my bases with them. They, too need a copy of the police report.

Little did I know how problematic it would be to get a police report or a rental agreement. Stay tuned...