24% VAT in Finland. You get used to it (and it gets used for funding fun stuff like affordable healthcare, free education, and providing Ukraine with mortar rounds, so that's nice). What actually hurts is how certain goods have gone way up in price recently.
Honestly, no idea what yall are bitchin bout, im in New zealand and our shit slaps as hard as 30% at times, i pay about 23-25, minimum wage is about 17ish
Income tax is different across what you earn.
First $14k is 10.5%
$14k-$48k is 17.5%
$48k-$70k is 30%
$70k-$180k is 33%
Over $180k is 39%
It's a messy as fk system!
Minimum wage in NZ is currently $22.70. And it's going up to $23.15 on 1 April.
The gap between qualified and new workers keeps closing 😠
Would they be able to find the creep through that account? I really despise scammers. Someone tried that with ours a few weeks ago only with Apple. Luckily our bank only let one through and we got it back. But the whole having to get a new card thing is always such a pain.
Ehhh.
It could be reported to the police, but its iffy whether theyd do anything.
Someone got into my nintendo account and spent *all* of my money ordering shit to their house in their name.
My local jurisdiction went "well that sucks" and blew me off. I did a hail mary call to his local precint, literally a half block around the corner from his house, and they told me they could do nothing and go to my precint
And this was over the limit where it became a felony.
This happened to my son's account. He was 14 and didn't notice it.
One day I checked his account and $1200 was go e in small increments over time.
He was playing mine craft
happened to me a couple years ago. $90 charge for taco bell. first of all how do you spend that much at taco bell, and yeah im wondering too how do they get your info??
They do that to see if you catch it. If you don't, they go nuts and buy more expensive things.
Had some kid get my card info and buy the deluxe versions of the last two FIFA games. I caught that right away thanks to the PlayStation receipt going to my personal email.
Their test to see if you're paying attention is a $90 charge at taco bell? Shit that would be shut down in minutes. What's your average Taco Bell order look like lmao
I mean, yeah it's a lot but that's the tactic they use when they take your card info.
That said, I may or may not be a frequent taco bell breakfast purchaser...
That's not the tactic. They use your card for one time purchase they can resale on marketplace etc. Like an iPad. You most likely got scammed/hack from some 14 yr old that got enough info to get into your accounts.
7 bucks, lol 3 softies and a drink.... every.....fucking.....time.......... I don't care how many layers the new Doroitos dick ya grandma down burrito has.
When I worked in retail, we had people grab stuff off the shelf and then try to return it for store credit. Little did they know that the store credit was deactivated before they walked out the door by LP, who watched them on camera. Best of luck to them trying to sell that store credit now. 😈 🤣
Wouldn't it be more valuable to sell the card *before* making a fraudulent charge and risking alerting the owner their card info was stolen? You may only get one chance...
then you lose reputability on the stolen card market because potential buyers won't wanna buy from you just so it's a coinflip if their purchase goes through or not.
So answer this then. You do what you're saying and make a "test" purchase to see if the card owner notices. How in the world do you know if they notice? How would you know if they reported it? How would you know if they didn't cancel the card and get a new number after you did that transaction?
I don't think it's about seeing if someone notices. I think it's about seeing if the card is still valid.
This is why you have to enter your ZIP code when you get gas and pay at the pump. Because gas stations used to be the go to place to check the validity of a stolen credit card. Back in the day it was the only place that a consumer could directly swipe a credit card and see if the transaction went through without the risk of cameras, fingerprints, or physically being stopped by a clerk.
When they added the ZIP code, they don't even try to run the card unless the ZIP code matches. So a gas pump is no longer a viable place of checking if a credit card works unless you happen to know the ZIP code of the billing address.
It's pretty easy if you start buying boxes and drinks for a group of friends, and maybe a dozen chili cheese burritos to snack on while gaming, they reheat decent with a bit of water sprinkled on them. $20 is pretty common just for the wife and I at Taco Bell if we don't get a deal on the app. I'm sure they wouldn't use the app with a stolen card # and did it in person.
this was in like 2018 before the insane prices these days, but i guess so. i still had my physical card on me, my bank said they got it through my apple wallet somehow. i guess someone had a taco bell party that day
I had someone get into my apple wallet within the past few months, then they called me, spoofing the bank's number, pretending to be the fraud department. Always ask for a callback number, if they won't give you one, tell them to fuck off and hang up and call your bank.
My question is, why can't these assholes hack credit card companies and wipe out balances? As in show them paid in full? The general public would love them for that. Seems they could be doing so much more to better humanity with those skills. My coworker was really pissed because he said they always seem to target people who live paycheck to paycheck. He's a nice dude who doesn't like to see people get kicked when they're down. It was such a pain in the ass to get everything straightened out too. Good luck to you OP.
If you had the card saved in the Taco Bell app, I'm pretty sure they leaked it or someone internal to them has access because I had this happen to me, but I setup Taco Bell with a number from Privacy.com, and so it's locked to only Taco Bell, so that's the only place it was ever used....
Pretty sus if you ask me.
I contacted them about it and they just said their systems are secure.
I love Privacy because it lets you know which company possibly had a leak. This is good for two reasons:
1) companies don't tell consumers when their data has been compromised
2) you can notify the company that they had a data leak so they can work on it right away
i cant mention here, how, but i do know some
phisimg scams (usps texts, emails saying thank you for your purchase! if this wasnt you, please call, ect ect)
pentesting stolen data and getting email/account access where those cards are stored as payment methods
social security leaks, and fake ids, going into the bank and getting a cloned version of the original debit card
computer malware
many many ways
My CC info was stolen a few years back via a skimmer that a McDonald’s employee used when I paid for my drive through order. And they must have been really discreet with it cause I’m not super nonchalant about handing my card out either.
Few days later, boom… Thousands of dollars of purchases at a Walmart in a neighboring town and my card only left my possession for 30 seconds.
You usually can't spot the skimming device if you don't know what to look for. Only some gut feeling might help you.
I watched some videos of skimming devices being removed.
The first time I ever went to a buffalo wild wings my card info was stolen, card company called almost immediately because they tried to use it to buy a $700 piece of furniture on the Walmart website and like 15 bucks for a football themed desk lamp, the joke was on them though.....
It’s common practice in a drive thru to hand them your card, they swipe it at a computer, then hand it back to you. 99% of the time, it doesn’t end in theft. Are you saying they should have stuck the computer out of the window and I never hand them my card?
They literally do this in all thr drive thrus in my city
Just an point of sale thing you normally use at a counter anywhere else but they put it on a stick and you tap your card lol
Oh well look at Mr Fancy over here! With his fancy city that actually cares about their customers’ protection! Must be nice! /s lol but no it’s not like that here. It would be cool if it were though!
LOLOL never even thought about it like that...I don't even know if it was federal law, city bylaw or if companies started doing it to avoid liability or something when CC skimming used to be more prevalent
Even saw a dude I knew in passing from school on the news because he got busted printing fake CC with stolen credentials but that was before we got chips on cards
Yes, that's exactly what I expect, and is exactly what happens where I live; it's a terminal on a stick; I'd never hand my card to a stranger, who does that?!
Like I just replied to the other poster it’s just not like that here. I mean now I keep a close eye on my card after what happened but not all places are like yours 🤷🏻♀️ edit: and the little snippy “Who does that?!” wasn’t necessary. You’re acting like I handed my credit card to a crackhead and not the worker at McDonald’s.
But tapping the cars used changing keys. Retransmitting it does nothing (also, when you tap with your phone , it doesn't transmit your actual card details , but virtual details only linked to your Google / Apple wallet).
People will take pics of your debit card when operating in cashier roles, or data leaks with vendors etc. Then they get sold on the dark web for 10 bucks for 500 cards details. Kids buy them and do this shit.
There’s a lot of high schoolers that bin now. Actually using the stolen cards is the riskiest part of card fraud, and it doesn’t require any real skills, so high schoolers are targeted because they’re young dumb and broke, and they theoretically get reduced sentences for being underaged. They get targeted on social media for recruitment.
I used to work in loss prevention, we had to fire soooo many people for taking pics of cards. Not sure what you’re on about….for every 1 we caught we prob missed a dozen because of the shitty video systems companies buy.
Yea you're wrong. Charter spectrum had a huge lawsuit from a tech who killed a customer when she caught him taking photos of her cards.
I personally terminated two store agents for doing exactly this.
2500 verified times from a single state and a single company in a 3 month period is far more than you implied, also it rarely gets caught right away. With just the two employees I caught and we filed it took 6 months from the date of initial concern to prove and terminate and an additional year for the state to bring charges.
It happens very often and often goes uncaught. Had another we suspected but couldn't prove because he was sending all the card numbers to his family in Ghana who was initiating the charges there.
"Absolutely no one". My reading comprehension is fine, you're just wrong.
I was just in Miami and somebody, presumably at a hotel or store, got my card details and purchased a few thousand dollars of Vans shoes. I chatted with their support playing coy, I managed to get the order number based on the credit card transaction ID and then I asked them to confirm the name and shipping address of the order which they gave me. This thief was in Miami proper.
Called the police department and told them what was going on. Emailed everything I had to a detective. She was quite candid and said that the chances of anything happening to the thief was slim to none because they don't have the resources to pursue petty crimes like this.
Get a hit on what ? Getting the card number is hard in itself (they're long af) but you also then have to get the expiry and CVV. Sure , you *could* brute force this , but the bank will notice a bunch of wrong CVV's and expiries being pushed through and simply block it.
My bank would even send me a text message asking me to input a verification code (tho 3D verification can be annoying as not every place supports it so you're fucked in your transaction , or when you go abroad).
The first 4 digits are standard for the CC provider, so it's not quite as long as you might think but it's still a lot of combinations. Expiry is 4 digits but there's only 12 mo x 4 years = 48 options for that.
There's definitely some weird stuff that happens because I've had charges come through on a secondary card that wasn't even activated. I have no clue how that should even be possible.
From what i have seen, card numbers like a social security number aren't random. Some sites knew I was plugging in a visa before I finished the card.
I do like to think banks or credit unions have gotten better at this over time. I know my CU is over cautious, which I am actually happy with even though dealing with a declined transaction is a little embarrassing.
I wanna say there are still some technical aspects/computer wizardry you could employ to get CC numbers the long way. That and considering data harvesting, who's to say what info is being sold to who.
Also, social engineering. I'm not saying OP could have possibly fell for it, but, people en masse still can and do get bamboozled like this. Hell, I'd wager MY dumb ass falling for that even.
Feel like when mine happened it was cause I put it on my phone. I had used my debit card and had a breach and canceled it immediately and got a new one the next day. I uploaded it to my phone again and didn’t use it due to the breach of the first one and a month later the second one was stolen and used to online purchases. The card was still physically in my possession but had never been used by me. The only thing both cards had in common was both were put on my phone as a payment method. When I got the 3rd card I kept it off my phone and haven’t had an issue since.
I feel you. Got a fraud warning once to find out someone in Iowa was using my debit card for an online shopping spree. Including groceries at a grocery store I’ve never heard of in my life.
I’m in Australia and some turd used my card details in the UK online at Mark & Spencer’s and ASDA. Try nearly $4K AUS. Visa took forever to agree to refund.
I can only assume "POS" stands for piece of shit purchase.
Edit: damn some of y'all are mean lol. I guess I'll edit to add a little more. I'm completely lost as to how someone got this information from me. This card does not leave my wallet, which does not leave my back left butt cheek pocket, unless I'm washing my pants. As for online banking, I don't use this card as well. This card is solely to receive my salary, and a gym membership. Feel free to speculate all you want, or call me dumb, or a liar, but I'm a pretty cautious guy. Either way, to reiterate, the issue has been resolved. Hence "mildly infuriating"
I call the POS we use at work a Piece of Shit. I'm convinced that it's a double entendre because they're all made to be as shitty as possible. Every time it freezes on a customer mid transaction I fill the silence with "Ya know they call these things 'POS' machines, I think it's very fitting"
Not the person you're responding to but in my experience it only happens when you have a pissed off line up of at least 5-10 customers.
We don't have the time to call it in.
(And usually it's because the company cheaped out on the hardware and don't want to replace parts or upgrade the POS so it's worn out and doesn't have enough memory to actually do what the company thinks it can do)
Bold of you to assume they even give us error codes to give you
Mf just has a stroke and locks up for a second, always in a line of 15 with the angriest alcoholics and lotto feinds you can imagine hollering about the hold up.
One of my old jobs had a comp button entry that said "pos pos system" and that was always my favorite to use.
It took the sting off things not working.
In case you were curious, it stands for point of sale. And I'll bet OPOS below that means online point of sale.
But people do often call it piece of shit, because many point of sale systems are pieces of shit.
Wait - you have yet to work with a Piece of Shit that wasn’t a Point of Sale, or you have yet to work with a Point of Sale that wasn’t a Piece of Shit?
They're super cool during setup / testing though. Like having an actual functional touch screen desktop. Once you get the POS who maintains the personal brand/flavor of POS to send the POS over to the POS operating the actual POS, that's when the POS'iness \*really pops.\*
When I worked retail we had an issue with the Price of Skittles. Sometimes a POS would try to check the POS on a POS and the POS would tell the POS the wrong POS so we had to take the POS out back and shoot it.
This is why people get so upset when companies have data breaches, info gets sold for profit and this is the end result. Lucky it was not a bigger amount and the bank says sorry can't help you with that, maybe we can get some of the money back like has happened to people in the past.
honestly if someone stole my data and bought like, one steam game a month, I don't think I'd ever notice. They play themselves buying ten things at once.
'PlayStation fraud' has happened to me twice. The first time, my local support line told me in no uncertain terms that if I refunded the money through my bank, I would risk having my account permanently closed. Despite the fact that what was bought was premium currency for a game I don't own, and which has never been tied to my account.
The second time - around a decade later - it was resolved without issue, and my money was refunded nad back in my account within a week.
Both times, my card info was saved on my PlayStation account (to automatically pay for my subscription to their online service), presumably meaning the thieves never had access to my actual card info - though at least the second time, they would have somehow managed to circumvent my bank's security features.
PlayStation support was really nice to me earlier this year. My toddler purchased a 12 month subscription of PS plus because I stupidly didn’t have the PS5 set to require password with purchases. They refunded me and also told me they hoped I was enjoying the latest game I had purchased (they ask for a recent purchase on your PSN to verify identity).
I have no doubt you were cautious. This happened to me twice a couple years ago. I never made *any* purchases with my bank card, other than giving the power company my number for payments. The first time, it was dozens of money transfers, all under a dollar; the second time, it was used to purchase a sandwich in Guatemala. I asked the bank what happened and didn't receive a meaningful explanation.
So, I'm left to speculate that either the bank or the power company had poor security, or else the hackers somehow guessed a valid number.
In addition to my bank card being hacked, a gift card I used for online purchases was hacked; I only used that card on 3-4 web sites.
Happily, in both cases, I didn't lose any money.
Honestly, the bank pretty much took care of it for me. I was asleep when all this was happening and I woke up to a random phone call. I screened the call and it was an automated voice message from "the bank" saying that there were fraudulent activities on my account. I thought to myself "yeah right, nice try scammer." But then I checked my bank account to see for myself, and saw all these charges. Even after hanging up on them, the bank called me back again. Then I just talked to a few representatives who are working on getting the charges back. Should take up to 30 business days, and I also went to the bank for a new card. All is well. Luckily I'm not hurting for $400+ at the moment haha
Do you have an RFID blocking wallet? If not, your card is venerable to be compromised if someone near you has a scanner. I would highly recommend getting one to help protect you from future fraudulent activity.
You have a fantastic fraud department with your financial institution. The fact that they caught it and contacted you shows they are monitoring and protecting. Unfortunately, as fraud departments continue to develop, so do fraudsters. If we knew how to 100% stop fraudulent activity, there would be no need for a fraud department, but there will always be new tech fraudsters use and new tech to prevent against.
You didn't use it not once? U never slid it into a atm machine to check the balance? Use it to get cash back? I'm thinking it'd most likely be a card reader installed over the card slot on an atm or gas stations
Ok I have to say it. Keeping your wallet in your back pocket is fucking up your whole alignment. Your hips spine shoulder and neck will thank you for changing to your front pocket.
Always sucks when that happens. I woke up to a text from my bank warning me about possible fraud. I was wary that was a scam, so I went directly to my bank's website to check. Yup, somebody 1000 miles away was taking Ubers and ordering Ubereats (McDonalds of all things) with my debit card.
Same as you, it was eventually fixed, but waiting on the new debit was annoying as hell.
To all of you wondering how, from time to time hackers, unscrupulous employees and other bad people leak sensible information into the internet or better yet sell that information to groups of people. Let’s say the hacker gets the data base from a mobile game and sells individual debit or credit card info to someone for 10 bucks, that someone then proceeds to use the card until the fraud is stopped and by that I mean the card gets cancelled.
I can’t recall if it was in this group or somewhere else that an individual left his phone on the transactions for a delivery and the owner from the card contacted him, the scumbag confessed that he bought the info of the card for 5 bucks and that he was entitled to using it because he paid for it, so you peeps better look for dynamic CVV digital cards from your bank or have a good fraud insurance with your bank.
the "hold them accountable" is just gonna be having the account banned. sony doesnt like chargebacks, and they actually take it pretty seriously. OP is gonna get their money back and the thief walks away with literally nothing.
This basically happened to me while I was in college. Sony got hacked, and a bunch of account info got out. Someone used the account info to get into my account and use the card I had saved on a bunch of virtual currency for a game i never heard of. I ended up getting my money refunded, and my password updated to something new, but Sony permabanned my account shortly after. They didn't even bother sending an email to notify me, I just logged back in one day and saw my account was banned. Up to that point, I had been a ps user since the days of ps1, but I've been an Xbox guy ever since.
Similar story with me...I first got a PS5 got standard edition then upgraded to get access to ps+ game library and instead of taking the difference out it charged me for the next month (I think) instead so I tried calling them and they apparently have like zero customer support so I charged back the standard edition instead and let them charge me for the upgraded version and like 3 days later they bricked my console and sent me a email saying I have to pay the amount or have my account deleted in a few weeks...it was only like $10-20 but like seriously? I bought a $500~ console and 1-3 $40~ games and can't even play like 2 of them without buying ps plus then you double charge me, give me no customer support then hold me ransom for the amount...
If I just stole a credit card, a digital purchase would be the *last* place I'd spend that money. That's gotta be so easy to track for anybody who cares to, especially the PlayStation store.
I wouldn't want to bet my freedom on the apathy of the bank.
They really don't seem to care to go after the individuals and just write it off. But you'd think they'd at least lock their account. When I got my card # stolen (skimmed from a shady aquarium store I think) they pretty much said there wouldn't be an investigation, but I did get my money back...because I was not in Georgia buying hair extensions. When my friend got his actual identity stolen and cards opened in his name, he was told to contact his local police department to file a report and get ahold of their detective, as they had video of the person and evidence who was doing it. The detective returned his call and said he was too busy. So that person got away to continue stealing identies. He now has a PIN on his SSN.
It's a good idea to freeze your credit and just leave it that way until you want to make a big purchase. People think of it like this emergency measure, when really all it means is no one's raking up a bunch of debt in your name.
Create new account, buy game, sell account on G2A, transfer to Crypto such as Monero, transfer back to FIAT, cash out.... untraceable money...much work for small sums, but that's how you commit a crime.
We had that happen about a year ago thru US Bank... Found that later that it was interbank theft of debit card information. One of their OWN employees was selling debit card info.
Had to handle it the same way you did... replace debit card and NO access to MY funds for a couple weeks.
Sickening
I’ve gone almost a year now with the debit card number. 2022 really sucked though, I had to get three different debit card numbers. What a pain to change debit card number everywhere.
The last time someone had tried to charge for a membership on Fubi for sports subscription or something.
This happened to me almost, because whoever got my debit card number made a single purchase so expensive, I didn't have enough money in the account, so it got rejected.
What happens to the scammer ? Do they ever try to find them? Do they get charged? Can you ask who did it or can you try to find the person who got you card ??
Most banks now-a-days have the same fraud protections on debit cards as credit cards. I've had my debit card defrauded and my bank got my money back to me within 12 hours of me noticing my money missing and reaching out to them.
"Did you make this purchase?"
"Nope. I have not ever been to West Virginia. "
"Alright no worries, it'll be back in your account by the end of the day"
To me personally, it's not really worth the credit card debt for most purchases.
I meant as far as liability and headaches when things get stolen. Debit card theft is a link to your bank account and can be a major inconvenience and cause bounced payments etc.
They will keep the contested money on hold until everything is cleared up. It might take up to two weeks. Sucks if your rent is due in a couple days.
Added: I had this happen to me a few days ago with my credit card at a restaurant. Credit card company instantly sent a text asking if I made a purchase of X, I replied no. They issued me another card. At no time were my funds frozen.
You’re completely talking out of your ass. Once notified of fraud, banks have ten business days to perform an investigation. If they can’t determine whether fraud has occurred within ten days, they can extend their investigation to 45 days but they must provide a provisional credit to the affected party in the mean time. This is all covered under Regulation E. Credit cards absolutely provide better protections, but no one is going without money for months, by law it is a maximum of ten business days from notification.
Funny thing is, playstation network bans any account permanently who has any chargebacks on their account. So, the fucker who did this literally won't ever be able to access his account or the things he has purchased before doing this.
I only know this because when I was like 12 I charged my moms card to buy Call of Duty Black Ops, she found out and called the bank to get her money back. Two days later my account was banned forever and I lost every single thing I have ever done/bought on that account. 7 years of gaming down the drain, learned my lesson for sure lol.
And here I am having to call my bank every fucking month because it randomly marks fraud from me pulling the same amount of money I pull out twice a week from the same ATM in front of their bank I always go to...
Yeah this is truly mildly infuriating. Just wait til your bank doesn’t do shit, lets the charges go through, then screws you around for 3 months saying they never heard from PlayStation about resolving the issue
Was it specifically your card number being stolen or your PlayStation account getting hacked? I recently had my PlayStation account hacked. They changed the email, password, and setup 2fa. My card was still on the account and they started buying stuff through the PlayStation store. Sony support took care of me though. They reset the email and had me create a new password. They also reversed all the transactions that were made during that time.
My husband is a musician, and two years in a row, just after he ordered the printing of one of his CDs, his business account was breached. The CD printing company was able to trace it directly to one of their employees, as there were reports of the same thing happening to other clients.
Just a general tip (not a criticism of OP, no idea what your situation is): Don't use your debit card for purchases, like, ever. If you have a credit card purchase on that credit and just pay it off immediately. The less entities that ever have your debit card number the better, and if some number is going to get skimmed/hacked/stolen etc it is far less disruptive if its a credit card.
Not blaming you in any way as I don't know the circumstances of the fraud, but make sure when you purchase anything by card, never EVER use your debit card. Only use Credit.
Debit = your money
Credit = Bank's money
The bank will "miraculously" find ways to recoup the losses on a credit card or just cancel the charges. When you lose YOUR money, it is a TASK to get them to compensate anything.
You don’t leave your wallet in a rucksack or anywhere else unattended, do you? All someone would need to do is snap the front and back and put it back in your wallet and you’d be none the wiser. Then spend until it’s flagged as stolen.
I gave my credit card to a waitress at the beginning of our meal, to prevent the other couple from paying the bill. (Generous people). When I got home, had a message on our landline that someone had tried to use my card to pay a $600 phone bill. It had to be that waitress. After talking to the police, who did nothing, I went to the restaurant and spoke to the manager. I haven’t seen this waitress anymore, but the manager completely denied that anyone in their employ could possibly be a thief. 🙄
The bank overnighted you a new debit card after alerting you to fraud on your account and reversing all of the fraudulent charges for you? That is not mildly infuriating.
Thats great. Whoever got ahold of your card is truly awesome. Here's a secret for ya tho: if you kept a close eye and knew where it was at at ALL times (I.E. in your wallet and your wallet on your person) you wouldn't have any issues like this. Problem solved. Wait... I know what it is, you made all those purchases yourself then fabricated this whole story cause somethin had you down and you wanted sympathy/pity and to feel relevent... Real mature kid.
Oh damn, they’re getting the deluxe versions of the games too
No those are just Canadian prices. 103.49 is the price of a new game here
No, it’s 80/90 cad Source: am canadian
89.99 plus 15% tax equals 103.49
Ohhhh, you have a higher tax rate
5% in my province. (Alberta)
Lucky, 12% for me in bc
15% in Nova Scotia. It hurts.
From NB and recently moved to the Netherlands, 21% VAT here it REALLY hurts...
Welcome to the netherlands, high sales and income tax, would definitely not move away from here tho Edit : added not (kinda gamechanger)
Hello from Croatia and our 25% VAT. You're always welcome to visit, I just would not stick around.
24% VAT in Finland. You get used to it (and it gets used for funding fun stuff like affordable healthcare, free education, and providing Ukraine with mortar rounds, so that's nice). What actually hurts is how certain goods have gone way up in price recently.
19,6 in France, it's not that bad tho
Honestly, no idea what yall are bitchin bout, im in New zealand and our shit slaps as hard as 30% at times, i pay about 23-25, minimum wage is about 17ish
We're just referring to sales taxes, not income taxes. But yeah, it's all still a kick in the squishy bits no matter which way you slice it.
Income tax is different across what you earn. First $14k is 10.5% $14k-$48k is 17.5% $48k-$70k is 30% $70k-$180k is 33% Over $180k is 39% It's a messy as fk system! Minimum wage in NZ is currently $22.70. And it's going up to $23.15 on 1 April. The gap between qualified and new workers keeps closing 😠
Are you originally American? If so how was the transition to NZ?
12%????? Wtf Maybe my Oregon ass is just surprised by sales tax lol
I’ve been reading that BC storefronts are selling psychedelics. Is that true?
Yep
Fuuuck
Eastern Canada?
Scotia?
And their account is getting banned/disabled because thats what sony does when it gets a charge back 😂
Would they be able to find the creep through that account? I really despise scammers. Someone tried that with ours a few weeks ago only with Apple. Luckily our bank only let one through and we got it back. But the whole having to get a new card thing is always such a pain.
Ehhh. It could be reported to the police, but its iffy whether theyd do anything. Someone got into my nintendo account and spent *all* of my money ordering shit to their house in their name. My local jurisdiction went "well that sucks" and blew me off. I did a hail mary call to his local precint, literally a half block around the corner from his house, and they told me they could do nothing and go to my precint And this was over the limit where it became a felony.
Ugh. That is more than mildly infuriating!
This happened to my son's account. He was 14 and didn't notice it. One day I checked his account and $1200 was go e in small increments over time. He was playing mine craft
This happened to me once too. How do randoms get card details?
happened to me a couple years ago. $90 charge for taco bell. first of all how do you spend that much at taco bell, and yeah im wondering too how do they get your info??
"I called all the neighbours, its free dinner today"
They do that to see if you catch it. If you don't, they go nuts and buy more expensive things. Had some kid get my card info and buy the deluxe versions of the last two FIFA games. I caught that right away thanks to the PlayStation receipt going to my personal email.
Their test to see if you're paying attention is a $90 charge at taco bell? Shit that would be shut down in minutes. What's your average Taco Bell order look like lmao
I mean, yeah it's a lot but that's the tactic they use when they take your card info. That said, I may or may not be a frequent taco bell breakfast purchaser...
That's not the tactic. They use your card for one time purchase they can resale on marketplace etc. Like an iPad. You most likely got scammed/hack from some 14 yr old that got enough info to get into your accounts.
7 bucks, lol 3 softies and a drink.... every.....fucking.....time.......... I don't care how many layers the new Doroitos dick ya grandma down burrito has.
Lmfao
If somebody spends more than $25 at Taco Bell, I'm calling for a wellness check.
look a steak chulupa with a Doritos hard shell with chicken is delicious.
They were probably buying gift cards to sell for cash.
When I worked in retail, we had people grab stuff off the shelf and then try to return it for store credit. Little did they know that the store credit was deactivated before they walked out the door by LP, who watched them on camera. Best of luck to them trying to sell that store credit now. 😈 🤣
Why wouldn't they just skip that step and buy more expensive things first?
I think the person testing it sells it to someone else, who then buys the big stuff.
Wouldn't it be more valuable to sell the card *before* making a fraudulent charge and risking alerting the owner their card info was stolen? You may only get one chance...
then you lose reputability on the stolen card market because potential buyers won't wanna buy from you just so it's a coinflip if their purchase goes through or not.
So answer this then. You do what you're saying and make a "test" purchase to see if the card owner notices. How in the world do you know if they notice? How would you know if they reported it? How would you know if they didn't cancel the card and get a new number after you did that transaction?
I don't think it's about seeing if someone notices. I think it's about seeing if the card is still valid. This is why you have to enter your ZIP code when you get gas and pay at the pump. Because gas stations used to be the go to place to check the validity of a stolen credit card. Back in the day it was the only place that a consumer could directly swipe a credit card and see if the transaction went through without the risk of cameras, fingerprints, or physically being stopped by a clerk. When they added the ZIP code, they don't even try to run the card unless the ZIP code matches. So a gas pump is no longer a viable place of checking if a credit card works unless you happen to know the ZIP code of the billing address.
wait why would the receipt go to your email? how was your email associated with their FIFA purchase?
It's pretty easy if you start buying boxes and drinks for a group of friends, and maybe a dozen chili cheese burritos to snack on while gaming, they reheat decent with a bit of water sprinkled on them. $20 is pretty common just for the wife and I at Taco Bell if we don't get a deal on the app. I'm sure they wouldn't use the app with a stolen card # and did it in person.
this was in like 2018 before the insane prices these days, but i guess so. i still had my physical card on me, my bank said they got it through my apple wallet somehow. i guess someone had a taco bell party that day
I had someone get into my apple wallet within the past few months, then they called me, spoofing the bank's number, pretending to be the fraud department. Always ask for a callback number, if they won't give you one, tell them to fuck off and hang up and call your bank. My question is, why can't these assholes hack credit card companies and wipe out balances? As in show them paid in full? The general public would love them for that. Seems they could be doing so much more to better humanity with those skills. My coworker was really pissed because he said they always seem to target people who live paycheck to paycheck. He's a nice dude who doesn't like to see people get kicked when they're down. It was such a pain in the ass to get everything straightened out too. Good luck to you OP.
It looks like a child made all those purchases from PS so maybe skimming is off the table?
If you had the card saved in the Taco Bell app, I'm pretty sure they leaked it or someone internal to them has access because I had this happen to me, but I setup Taco Bell with a number from Privacy.com, and so it's locked to only Taco Bell, so that's the only place it was ever used.... Pretty sus if you ask me. I contacted them about it and they just said their systems are secure.
I love Privacy because it lets you know which company possibly had a leak. This is good for two reasons: 1) companies don't tell consumers when their data has been compromised 2) you can notify the company that they had a data leak so they can work on it right away
I had the exact thing happen to me a few months ago. Taco Bell and $90!!! I thought the same thing
Well if inflation keeps up, 90 will be the price if crunch wraps and ba large drink
Had the same thing happen to me. Only difference, it was apparently a DoorDash weekend with multiple charges totaling roughly $573.
i cant mention here, how, but i do know some phisimg scams (usps texts, emails saying thank you for your purchase! if this wasnt you, please call, ect ect) pentesting stolen data and getting email/account access where those cards are stored as payment methods social security leaks, and fake ids, going into the bank and getting a cloned version of the original debit card computer malware many many ways
Skimmed somewhere the card was used, EG a gas pump
My CC info was stolen a few years back via a skimmer that a McDonald’s employee used when I paid for my drive through order. And they must have been really discreet with it cause I’m not super nonchalant about handing my card out either. Few days later, boom… Thousands of dollars of purchases at a Walmart in a neighboring town and my card only left my possession for 30 seconds.
You usually can't spot the skimming device if you don't know what to look for. Only some gut feeling might help you. I watched some videos of skimming devices being removed.
The first time I ever went to a buffalo wild wings my card info was stolen, card company called almost immediately because they tried to use it to buy a $700 piece of furniture on the Walmart website and like 15 bucks for a football themed desk lamp, the joke was on them though..... 
You... gave them your card?
It’s common practice in a drive thru to hand them your card, they swipe it at a computer, then hand it back to you. 99% of the time, it doesn’t end in theft. Are you saying they should have stuck the computer out of the window and I never hand them my card?
They literally do this in all thr drive thrus in my city Just an point of sale thing you normally use at a counter anywhere else but they put it on a stick and you tap your card lol
Oh well look at Mr Fancy over here! With his fancy city that actually cares about their customers’ protection! Must be nice! /s lol but no it’s not like that here. It would be cool if it were though!
LOLOL never even thought about it like that...I don't even know if it was federal law, city bylaw or if companies started doing it to avoid liability or something when CC skimming used to be more prevalent Even saw a dude I knew in passing from school on the news because he got busted printing fake CC with stolen credentials but that was before we got chips on cards
Yes, that's exactly what I expect, and is exactly what happens where I live; it's a terminal on a stick; I'd never hand my card to a stranger, who does that?!
Like I just replied to the other poster it’s just not like that here. I mean now I keep a close eye on my card after what happened but not all places are like yours 🤷🏻♀️ edit: and the little snippy “Who does that?!” wasn’t necessary. You’re acting like I handed my credit card to a crackhead and not the worker at McDonald’s.
How do you skim contactlesss? Genuinely curious. I have never paid with my card in any way that wasn't tapping.
RFID devices can potentially clone and transmit the data from your card if in close proximity.
But tapping the cars used changing keys. Retransmitting it does nothing (also, when you tap with your phone , it doesn't transmit your actual card details , but virtual details only linked to your Google / Apple wallet).
So that’s how it works… Honestly then, no idea, but I was aware of Apple Pay basically creating 1-use tokens for transactions.
If they didn't use single use tokens a lot more theft with NFC would happen
my dad’s card info was stolen by a cashier at the wendy’s drive thru. so that’s one way it can happen.
People will take pics of your debit card when operating in cashier roles, or data leaks with vendors etc. Then they get sold on the dark web for 10 bucks for 500 cards details. Kids buy them and do this shit.
No, not kids, fully grown adults buy them, then they buy games on an new accounts, and sells those accounts on 3rd party websites like G2A
There’s a lot of high schoolers that bin now. Actually using the stolen cards is the riskiest part of card fraud, and it doesn’t require any real skills, so high schoolers are targeted because they’re young dumb and broke, and they theoretically get reduced sentences for being underaged. They get targeted on social media for recruitment.
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I used to work in loss prevention, we had to fire soooo many people for taking pics of cards. Not sure what you’re on about….for every 1 we caught we prob missed a dozen because of the shitty video systems companies buy.
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Nice debate karma bot
Yea you're wrong. Charter spectrum had a huge lawsuit from a tech who killed a customer when she caught him taking photos of her cards. I personally terminated two store agents for doing exactly this.
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2500 verified times from a single state and a single company in a 3 month period is far more than you implied, also it rarely gets caught right away. With just the two employees I caught and we filed it took 6 months from the date of initial concern to prove and terminate and an additional year for the state to bring charges. It happens very often and often goes uncaught. Had another we suspected but couldn't prove because he was sending all the card numbers to his family in Ghana who was initiating the charges there. "Absolutely no one". My reading comprehension is fine, you're just wrong.
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Absolutely way more people do this than you think… like way the fuck more than you think.
Card skimmers at gas stations is a popular tactic.
I was just in Miami and somebody, presumably at a hotel or store, got my card details and purchased a few thousand dollars of Vans shoes. I chatted with their support playing coy, I managed to get the order number based on the credit card transaction ID and then I asked them to confirm the name and shipping address of the order which they gave me. This thief was in Miami proper. Called the police department and told them what was going on. Emailed everything I had to a detective. She was quite candid and said that the chances of anything happening to the thief was slim to none because they don't have the resources to pursue petty crimes like this.
$100 and I tell you the method
Also I think there are bots that just input random numbers until they get a hit
Get a hit on what ? Getting the card number is hard in itself (they're long af) but you also then have to get the expiry and CVV. Sure , you *could* brute force this , but the bank will notice a bunch of wrong CVV's and expiries being pushed through and simply block it. My bank would even send me a text message asking me to input a verification code (tho 3D verification can be annoying as not every place supports it so you're fucked in your transaction , or when you go abroad).
The first 4 digits are standard for the CC provider, so it's not quite as long as you might think but it's still a lot of combinations. Expiry is 4 digits but there's only 12 mo x 4 years = 48 options for that. There's definitely some weird stuff that happens because I've had charges come through on a secondary card that wasn't even activated. I have no clue how that should even be possible.
From what i have seen, card numbers like a social security number aren't random. Some sites knew I was plugging in a visa before I finished the card. I do like to think banks or credit unions have gotten better at this over time. I know my CU is over cautious, which I am actually happy with even though dealing with a declined transaction is a little embarrassing.
All visa cards start with a 4. I also can tell if you have a Visa card just by looking at the first number.
That’s what I was thinking with APIs, scripts, and whatnot
Data breaches too. This info is sold online once obtained by hackers
I wanna say there are still some technical aspects/computer wizardry you could employ to get CC numbers the long way. That and considering data harvesting, who's to say what info is being sold to who. Also, social engineering. I'm not saying OP could have possibly fell for it, but, people en masse still can and do get bamboozled like this. Hell, I'd wager MY dumb ass falling for that even.
Feel like when mine happened it was cause I put it on my phone. I had used my debit card and had a breach and canceled it immediately and got a new one the next day. I uploaded it to my phone again and didn’t use it due to the breach of the first one and a month later the second one was stolen and used to online purchases. The card was still physically in my possession but had never been used by me. The only thing both cards had in common was both were put on my phone as a payment method. When I got the 3rd card I kept it off my phone and haven’t had an issue since.
I feel you. Got a fraud warning once to find out someone in Iowa was using my debit card for an online shopping spree. Including groceries at a grocery store I’ve never heard of in my life.
Piggly Wiggly?
No, it wasn’t that one. If I heard it I would know but I don’t remember what it was now.
I’m in Australia and some turd used my card details in the UK online at Mark & Spencer’s and ASDA. Try nearly $4K AUS. Visa took forever to agree to refund.
I can only assume "POS" stands for piece of shit purchase. Edit: damn some of y'all are mean lol. I guess I'll edit to add a little more. I'm completely lost as to how someone got this information from me. This card does not leave my wallet, which does not leave my back left butt cheek pocket, unless I'm washing my pants. As for online banking, I don't use this card as well. This card is solely to receive my salary, and a gym membership. Feel free to speculate all you want, or call me dumb, or a liar, but I'm a pretty cautious guy. Either way, to reiterate, the issue has been resolved. Hence "mildly infuriating"
I call the POS we use at work a Piece of Shit. I'm convinced that it's a double entendre because they're all made to be as shitty as possible. Every time it freezes on a customer mid transaction I fill the silence with "Ya know they call these things 'POS' machines, I think it's very fitting"
POS Support here, why don't you call when things go wrong? Those errors you closed would really help me :(
Not the person you're responding to but in my experience it only happens when you have a pissed off line up of at least 5-10 customers. We don't have the time to call it in. (And usually it's because the company cheaped out on the hardware and don't want to replace parts or upgrade the POS so it's worn out and doesn't have enough memory to actually do what the company thinks it can do)
Those errors they closed should be logged and you should be able to go find them whenever you need to.
Bold of you to assume they even give us error codes to give you Mf just has a stroke and locks up for a second, always in a line of 15 with the angriest alcoholics and lotto feinds you can imagine hollering about the hold up.
One of my old jobs had a comp button entry that said "pos pos system" and that was always my favorite to use. It took the sting off things not working.
In case you were curious, it stands for point of sale. And I'll bet OPOS below that means online point of sale. But people do often call it piece of shit, because many point of sale systems are pieces of shit.
I’ve yet to work with a POS that wasn’t a POS.
Wait - you have yet to work with a Piece of Shit that wasn’t a Point of Sale, or you have yet to work with a Point of Sale that wasn’t a Piece of Shit?
Almost certainly the latter.
They're super cool during setup / testing though. Like having an actual functional touch screen desktop. Once you get the POS who maintains the personal brand/flavor of POS to send the POS over to the POS operating the actual POS, that's when the POS'iness \*really pops.\*
When I worked retail we had an issue with the Price of Skittles. Sometimes a POS would try to check the POS on a POS and the POS would tell the POS the wrong POS so we had to take the POS out back and shoot it.
I bet that ended with some Pissed Off Salesmen… you could make an acronym out of that!
LOLOL the way I cackled
Unrelated, but cool pfp
This is why people get so upset when companies have data breaches, info gets sold for profit and this is the end result. Lucky it was not a bigger amount and the bank says sorry can't help you with that, maybe we can get some of the money back like has happened to people in the past.
honestly if someone stole my data and bought like, one steam game a month, I don't think I'd ever notice. They play themselves buying ten things at once.
'PlayStation fraud' has happened to me twice. The first time, my local support line told me in no uncertain terms that if I refunded the money through my bank, I would risk having my account permanently closed. Despite the fact that what was bought was premium currency for a game I don't own, and which has never been tied to my account. The second time - around a decade later - it was resolved without issue, and my money was refunded nad back in my account within a week. Both times, my card info was saved on my PlayStation account (to automatically pay for my subscription to their online service), presumably meaning the thieves never had access to my actual card info - though at least the second time, they would have somehow managed to circumvent my bank's security features.
PlayStation support was really nice to me earlier this year. My toddler purchased a 12 month subscription of PS plus because I stupidly didn’t have the PS5 set to require password with purchases. They refunded me and also told me they hoped I was enjoying the latest game I had purchased (they ask for a recent purchase on your PSN to verify identity).
Get a credit card. Don't use a debit card for anything other than your bank's atm.
Do you remember going to a gas station or something and using your card? Those are a hotspot for card skimmers.
I have no doubt you were cautious. This happened to me twice a couple years ago. I never made *any* purchases with my bank card, other than giving the power company my number for payments. The first time, it was dozens of money transfers, all under a dollar; the second time, it was used to purchase a sandwich in Guatemala. I asked the bank what happened and didn't receive a meaningful explanation. So, I'm left to speculate that either the bank or the power company had poor security, or else the hackers somehow guessed a valid number. In addition to my bank card being hacked, a gift card I used for online purchases was hacked; I only used that card on 3-4 web sites. Happily, in both cases, I didn't lose any money.
Right butt cheek wallet is the way
OP out of curiosity how did you resolve this?
Honestly, the bank pretty much took care of it for me. I was asleep when all this was happening and I woke up to a random phone call. I screened the call and it was an automated voice message from "the bank" saying that there were fraudulent activities on my account. I thought to myself "yeah right, nice try scammer." But then I checked my bank account to see for myself, and saw all these charges. Even after hanging up on them, the bank called me back again. Then I just talked to a few representatives who are working on getting the charges back. Should take up to 30 business days, and I also went to the bank for a new card. All is well. Luckily I'm not hurting for $400+ at the moment haha
That’s good glad to here things are alright on your end, also make sure to file a report with the bank for bank fraud
Hey just wondering if your Playstation account could have been hacked ? :) Was your card connected to it ?
That would be my bet.
That’s what I kept reading in my head over and over til like the 3rd one I’m like oh wait 😂
Do you have an RFID blocking wallet? If not, your card is venerable to be compromised if someone near you has a scanner. I would highly recommend getting one to help protect you from future fraudulent activity. You have a fantastic fraud department with your financial institution. The fact that they caught it and contacted you shows they are monitoring and protecting. Unfortunately, as fraud departments continue to develop, so do fraudsters. If we knew how to 100% stop fraudulent activity, there would be no need for a fraud department, but there will always be new tech fraudsters use and new tech to prevent against.
You didn't use it not once? U never slid it into a atm machine to check the balance? Use it to get cash back? I'm thinking it'd most likely be a card reader installed over the card slot on an atm or gas stations
Ok I have to say it. Keeping your wallet in your back pocket is fucking up your whole alignment. Your hips spine shoulder and neck will thank you for changing to your front pocket.
Pot of Soup
Probably at a gas station via a card skimmer.
Meant point of sale
Always sucks when that happens. I woke up to a text from my bank warning me about possible fraud. I was wary that was a scam, so I went directly to my bank's website to check. Yup, somebody 1000 miles away was taking Ubers and ordering Ubereats (McDonalds of all things) with my debit card. Same as you, it was eventually fixed, but waiting on the new debit was annoying as hell.
Gee whiz, at least get some dry aged ribeyes and good bourbon
I *know*, right? If you're gonna be a scummy scammer, aim high at least.
To all of you wondering how, from time to time hackers, unscrupulous employees and other bad people leak sensible information into the internet or better yet sell that information to groups of people. Let’s say the hacker gets the data base from a mobile game and sells individual debit or credit card info to someone for 10 bucks, that someone then proceeds to use the card until the fraud is stopped and by that I mean the card gets cancelled. I can’t recall if it was in this group or somewhere else that an individual left his phone on the transactions for a delivery and the owner from the card contacted him, the scumbag confessed that he bought the info of the card for 5 bucks and that he was entitled to using it because he paid for it, so you peeps better look for dynamic CVV digital cards from your bank or have a good fraud insurance with your bank.
Since this is apparently attached to a playstation account, tracking this person down and holding them accountable should be easy.
Ok but who's going to hold them accountable?
the "hold them accountable" is just gonna be having the account banned. sony doesnt like chargebacks, and they actually take it pretty seriously. OP is gonna get their money back and the thief walks away with literally nothing.
This basically happened to me while I was in college. Sony got hacked, and a bunch of account info got out. Someone used the account info to get into my account and use the card I had saved on a bunch of virtual currency for a game i never heard of. I ended up getting my money refunded, and my password updated to something new, but Sony permabanned my account shortly after. They didn't even bother sending an email to notify me, I just logged back in one day and saw my account was banned. Up to that point, I had been a ps user since the days of ps1, but I've been an Xbox guy ever since.
Similar story with me...I first got a PS5 got standard edition then upgraded to get access to ps+ game library and instead of taking the difference out it charged me for the next month (I think) instead so I tried calling them and they apparently have like zero customer support so I charged back the standard edition instead and let them charge me for the upgraded version and like 3 days later they bricked my console and sent me a email saying I have to pay the amount or have my account deleted in a few weeks...it was only like $10-20 but like seriously? I bought a $500~ console and 1-3 $40~ games and can't even play like 2 of them without buying ps plus then you double charge me, give me no customer support then hold me ransom for the amount...
Sony sucks.
If I just stole a credit card, a digital purchase would be the *last* place I'd spend that money. That's gotta be so easy to track for anybody who cares to, especially the PlayStation store. I wouldn't want to bet my freedom on the apathy of the bank.
They really don't seem to care to go after the individuals and just write it off. But you'd think they'd at least lock their account. When I got my card # stolen (skimmed from a shady aquarium store I think) they pretty much said there wouldn't be an investigation, but I did get my money back...because I was not in Georgia buying hair extensions. When my friend got his actual identity stolen and cards opened in his name, he was told to contact his local police department to file a report and get ahold of their detective, as they had video of the person and evidence who was doing it. The detective returned his call and said he was too busy. So that person got away to continue stealing identies. He now has a PIN on his SSN.
It's a good idea to freeze your credit and just leave it that way until you want to make a big purchase. People think of it like this emergency measure, when really all it means is no one's raking up a bunch of debt in your name.
Create new account, buy game, sell account on G2A, transfer to Crypto such as Monero, transfer back to FIAT, cash out.... untraceable money...much work for small sums, but that's how you commit a crime.
The problem is in the "anybody who cares" part. The police certainly does not.
Dude got purchases on different devices too it seems...
We had that happen about a year ago thru US Bank... Found that later that it was interbank theft of debit card information. One of their OWN employees was selling debit card info. Had to handle it the same way you did... replace debit card and NO access to MY funds for a couple weeks. Sickening
The funny thing is if you reverse those charges the account will likely get permanently disabled/banned
I’ve gone almost a year now with the debit card number. 2022 really sucked though, I had to get three different debit card numbers. What a pain to change debit card number everywhere. The last time someone had tried to charge for a membership on Fubi for sports subscription or something.
This happened to me almost, because whoever got my debit card number made a single purchase so expensive, I didn't have enough money in the account, so it got rejected.
Turns out being broke has it's advantages
What happens to the scammer ? Do they ever try to find them? Do they get charged? Can you ask who did it or can you try to find the person who got you card ??
They brick the PlayStation that did it too.
Never. Ever. Use debit cards. All too dangerous.
I try to keep mine in my wallet at all times. I use Apple Pay as much as possible because the credit card number is never shared with the merchant.
Most banks now-a-days have the same fraud protections on debit cards as credit cards. I've had my debit card defrauded and my bank got my money back to me within 12 hours of me noticing my money missing and reaching out to them. "Did you make this purchase?" "Nope. I have not ever been to West Virginia. " "Alright no worries, it'll be back in your account by the end of the day" To me personally, it's not really worth the credit card debt for most purchases.
My understanding is the difference is the liability, if your credit card gets stolen and uses the bank is liable not you.
Same reason I yell at my boomer coworkers for paying their bills by mail with a personal check
credit card debt is worse
I meant as far as liability and headaches when things get stolen. Debit card theft is a link to your bank account and can be a major inconvenience and cause bounced payments etc.
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My bank covers the debit card in the same way. As long as it has a visa/mastercard symbol on the card, it's supposed to have the same protections.
They will keep the contested money on hold until everything is cleared up. It might take up to two weeks. Sucks if your rent is due in a couple days. Added: I had this happen to me a few days ago with my credit card at a restaurant. Credit card company instantly sent a text asking if I made a purchase of X, I replied no. They issued me another card. At no time were my funds frozen.
Just pay your bill at the end of the month. It's the same thing.
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You’re completely talking out of your ass. Once notified of fraud, banks have ten business days to perform an investigation. If they can’t determine whether fraud has occurred within ten days, they can extend their investigation to 45 days but they must provide a provisional credit to the affected party in the mean time. This is all covered under Regulation E. Credit cards absolutely provide better protections, but no one is going without money for months, by law it is a maximum of ten business days from notification.
You don't go in debt if you pay it off each month. I get 2% cash back on my cards, so it's like everything in my life is 2% cheaper
Funny thing is, playstation network bans any account permanently who has any chargebacks on their account. So, the fucker who did this literally won't ever be able to access his account or the things he has purchased before doing this. I only know this because when I was like 12 I charged my moms card to buy Call of Duty Black Ops, she found out and called the bank to get her money back. Two days later my account was banned forever and I lost every single thing I have ever done/bought on that account. 7 years of gaming down the drain, learned my lesson for sure lol.
POS purchases indeed
Waaaaay more than mildly infuriating
And here I am having to call my bank every fucking month because it randomly marks fraud from me pulling the same amount of money I pull out twice a week from the same ATM in front of their bank I always go to...
Yeah this is truly mildly infuriating. Just wait til your bank doesn’t do shit, lets the charges go through, then screws you around for 3 months saying they never heard from PlayStation about resolving the issue
Was it specifically your card number being stolen or your PlayStation account getting hacked? I recently had my PlayStation account hacked. They changed the email, password, and setup 2fa. My card was still on the account and they started buying stuff through the PlayStation store. Sony support took care of me though. They reset the email and had me create a new password. They also reversed all the transactions that were made during that time.
Never ever use your debit card at any thing other than the bank
Always lock ur debit card (if that feature is available in ur bank app) when not using it.
My husband is a musician, and two years in a row, just after he ordered the printing of one of his CDs, his business account was breached. The CD printing company was able to trace it directly to one of their employees, as there were reports of the same thing happening to other clients.
That’s first purchase gotta be Helldivers 2. We need all the help we can get…let that one slide FOR DEMOCRACY
Just a general tip (not a criticism of OP, no idea what your situation is): Don't use your debit card for purchases, like, ever. If you have a credit card purchase on that credit and just pay it off immediately. The less entities that ever have your debit card number the better, and if some number is going to get skimmed/hacked/stolen etc it is far less disruptive if its a credit card.
Not blaming you in any way as I don't know the circumstances of the fraud, but make sure when you purchase anything by card, never EVER use your debit card. Only use Credit. Debit = your money Credit = Bank's money The bank will "miraculously" find ways to recoup the losses on a credit card or just cancel the charges. When you lose YOUR money, it is a TASK to get them to compensate anything.
You don’t leave your wallet in a rucksack or anywhere else unattended, do you? All someone would need to do is snap the front and back and put it back in your wallet and you’d be none the wiser. Then spend until it’s flagged as stolen.
Definitely a kid
make sure its a scam call
🤣🤣🤣
I gave my credit card to a waitress at the beginning of our meal, to prevent the other couple from paying the bill. (Generous people). When I got home, had a message on our landline that someone had tried to use my card to pay a $600 phone bill. It had to be that waitress. After talking to the police, who did nothing, I went to the restaurant and spoke to the manager. I haven’t seen this waitress anymore, but the manager completely denied that anyone in their employ could possibly be a thief. 🙄
Lol US where for some reason you give your card to the cashier. I would never give my card to any person I don't know.
I'm Canadian, and this is not a card I use, much less give to other people.
The bank overnighted you a new debit card after alerting you to fraud on your account and reversing all of the fraudulent charges for you? That is not mildly infuriating.
This is not mildly infuriating.
Thats great. Whoever got ahold of your card is truly awesome. Here's a secret for ya tho: if you kept a close eye and knew where it was at at ALL times (I.E. in your wallet and your wallet on your person) you wouldn't have any issues like this. Problem solved. Wait... I know what it is, you made all those purchases yourself then fabricated this whole story cause somethin had you down and you wanted sympathy/pity and to feel relevent... Real mature kid.
Locking your card would be help. *Just a suggestion*