This tale of stupidity is brought to you by something that I did.
A Certificate of Deposit of mine had matured at a large national bank
(think of people inquiring about the contents of your wallet). Before
I could call the bank up and properly close the account, I needed to
have the account number (I was about a hundred miles from the forms
which contained my account number). So I went to the bank's Web site
and plugged in my username (let's call it "QWERTY") and password...and
got an error message saying that my username or password were invalid.
I tried again, same error message. I typed "QWERTY" in again and
clicked on the "Forget Password?" link, and I get another error
message. I assumed they were having computer problems at their end,
but then I remembered that I changed my password when I logged in a
few days earlier. But I made sure I was using my new password to log
in, so I tried to use my old password. Nothing.
A scary thought then occurred to me: was the "Change Password" page a
fake? Did I inadvertently give somebody my bank password? Did somebody
log into my account and change my password, so I couldn't get back in?
Did this person clean out all my savings there?
I called the bank's tech support and told them I could not log into my
bank account. I told him my username was "QWERTY" the username , and
he said he couldn't find it...but then he said there is an account in
my name, and it was called "ASDFGH".
I realized what happened: I was using the wrong username! "ASDFGH" was
my account name for this bank, "QWERTY" is my username for my local
bank!
I apologized, hung up and tried again. Sure enough, I was able to log
in using "ASDFGH". I called my bank (got a different person, whew!)
and was able to close out my account.
I actually have my username and password written down; if I had looked
at that beforehand, you would not be reading this.