So I’ve been on my lunch break and on the phone…

We don't start sentences with "So" in this manner, OP.

Op send me your date of birth and social security number; I’ll make sure you’re never scammed again.

Please give me a bit of a break, R1. I know you’re correct, and it’s a bad habit I need to break away from.

Now, any banking horror stories before I have to get back from lunch?

Check washed for $9,000.

But they credited me back the funds almost immediately.

Still changing all my accounts was a pain.

Oof, ElderLez, 9K is way more than my current loss.

Glad you were able to sort it all out!

My early Alzheimer’s aunt was scammed over the phone of $64,000 one afternoon last fall.

Oh look. Another chump thread.

I had a roommate in my dorm who was a felon from another state, my, and the man I was living with at the time both had our identities stolen, the best was she was using his dry cleaner as his Mrs! It was awhile ago, but it was a pain in the ass at the time.

^Not totally clear, lived in the dorm for one year, the following year four of us rented a place in two of our names (mine and my ex), but she had Amex cops after her, I'm sure they caught up to her eventually.

[quote]We don't start sentences with "So" in this manner, OP.

Let alone, 'Being that ...'

I was with HSBC for years when they had consumer accounts and their fraud division was excellent. They caught two scam purchases in under an hour.

So a good friend of mine was scammed out of $7000. He was refunded the money. He wanted to beat the shit out of whoever stole his credit card number. Being that the POS was never caught, he never got the opportunity.

I bought a fake designer shirt on depop, that's the only scam I can think of that got me.

About ten years ago, I had an erotic massage with this muscle stud I went to regularly. For some reason during the massage, he decided to tell me about his new 'Latina' girlfriend from Los Angeles who was looking to open a hair salon in our city (I didn't care what he talked about - I loved his body and sucking him off which was part of the erotic massage). Anyhow, at one point, he asked me if it was OK to move my clothes - he said I had them too close to the heater (I didn't think they were, but I said 'fine'). I was head down naked on the table, and my clothes were folded on a chair directly across from feet so I couldn't see them. I did hear him fumble around with the chair. Then he said he had to answer a quick text while he was still out of eyesight behind me - again, I didn't think anything of it (I was enjoying the appointment). He came back to stand in front of me with his erect cock, and the appointment finished very nicely.

The next day, I got a call from my credit card company alerting me to 'charges' which were trying to go through, but they 'froze' the card until I gave them permission. It was well over $12,000 in 'beauty supplies' from an on-line wholesaler located in LA. It was the only card I had in my wallet the day before, which the masseur had access to in my pants pocket when he 'moved the chair' out of my sight line. He must've taken photos of the front and back and sent them to his new girlfriend. I mean talk about all brawn and no brains !

Thankfully, the CC customer service was alert enough to flag and freeze this purchase until they spoke to me, otherwise it would've gone through (they noticed I usually only spend a couple of hundred a month on average on that card, and $12K was way beyond normal). They denied the purchase, canceled the card, and sent me a new one. I never booked that masseur again (and I never heard from him again), though he's still in my area and changes his name / profile / phone number every few months (gee, I wonder why). He's still beautiful, too.

Happened to me recently, too. All my regular monthly bills are set to autopay, so redoing those each time a payment bounces is no fun, but the bank investigated it at my request and returned the money to my account.

I check my accounts daily or I’d never have noticed it, but it’s worth it to me to imagine that when we all fight back as much as we can, even over petty fraud, the crooks eventually lose.

A fantastic little sandwich shop near work opened. I ordered sandwiches there for myself twice a week, and sometimes a dozen for my entire team. Always paid off the balance before it was due to earn airline points and not pay interest. At another business the card was declined. The cashier advised me to contact the card company.

Turns out there was a $32,000 balance -- which is my limit on that card! The charge was traced to the sandwich shop. I'd gotten to know the owner, whose business had been charged over a hundred thousand. He said it was a scam from a third-party credit processing company he used that had been hacked. He almost lost his new business. Only a few other customers were affected.

I asked my creditor/VISA, "What would anyone do with $32,000 worth of sandwiches, assuming the tiny shop could make that many? They said that they would be investigating, which took weeks. Had to put a freeze on all of my finances in the middle of trying to refinance my house to replace a dead car. O, the humanity! Had to take a train and two busses get to work and couldn't take Lyft to get home at night. I can only walk slowly with a cane and live in a city of hills. Had to go to a real bank branch staffed by real people (try finding one) in person to get cash to pay for groceries.

Ultimately, the issue was resolved but was a major hassle. Have since gotten identity theft and credit monitoring protection to the tune of $500 per year, which feels like just another scam.

I don't get it, sounds more like a credit card issue than a bank issue.

A friend of mine keeps getting charged for his apple subscription or to buy more iCloud etc.

I've never been the victim of a bank or credit card scam.

I've been mugged 3 times.

When I owned my store, I did business with this small company (2 brothers owned it) which sold novelty watches which were very popular with my customers. I would order from them every few weeks, and use the same credit card. My orders were around $300 each (wholesale). They were very nice guys whom I met at the trade show, and their business was located in a small town in NJ.

One day I got my statement in the mail, and there was a charge of over $2500 from an 'office supply company' in the same town they were located in. I called the company and asked about the order (odd things - everything from cases of printer paper to a mini fridge) and then asked where this order was delivered to. Sure enough, the location was the company which I ordered my wristwatches each month.

I hung up and called my bank immediately - told them what I discovered. They took the same steps I did, convinced that this was fraudulent, and ended up reversing the charges off my statement. They also issued me a new card / account number. I stopped doing business with those guys, even though I knew I would lose sales (my customers really loved those watches). But I ended up surviving (just made the customers fall in love with another line of watches). As for the brothers, I often wondered what happened to their office supplies they ordered and had delivered ? Did it all get picked up by their supplier ? I never saw them again in their regular spot at the trade shows.

r20, all you needed to type was "New Jersey".

Where "office supplies" include wrist watches and refrigerators. And everything is resold after the items "fell off a truck".

I’ve been getting daily harassing phone calls from Cologuard.

A coworker got scammed out of $10,000 last week. When he told me the story of how it went down, I was flabbergasted. He's an intelligent adult, yet he fell for this scam to the point that he withdrew the cash and deposited all of it into another bank, using a temporary electronic debit card the scammers sent to his phone. Be wise out there, folks.