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Author Topic: S/O Beggars, Moochers and Scammers  (Read 2580066 times)

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Thipu1

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Re: S/O Beggars, Moochers and Scammers
« Reply #390 on: January 29, 2013, 03:06:49 PM »
I've gotten phone calls, supposedly from a bank, "because we are very concerned about the amount of interest you have on your credit card balance."  ...

LOL!  Maybe that's the problem!  You don't have ANY interest on your credit card balance and gosh darn it!!  They want you to have some  -- not just "some", but LOTS.  They're not making any money off of you!   ;D

I've had an attempted scam from my credit card company based on that. 

I've never carried a balance and never had to pay interest or late fees.  Credit card companies consider people like me 'dead-beats' because the few charges I make are paid when due and paid in full.

I changed my card when I received a phone call from someone who seemed very concerned.  The company feared that my identity had been stolen.  There were 'suspicious' charges on my card.  The suspicious charges were :

1) A $250 contribution to a public television station.
2) A $14 bottle of wine from a neighborhood store.
3) $8 for a used book bought on-line. 

I said that those purchases were ones I had made and paid for in full when the statement arrived.  After all, if someone is going to steal your identity, they'll be having a bit more fun with it than a charitable contribution, a bottle of wine and a used book. 

Regardless,   I was informed that, for 'for my safety', my card would be voided and a new card issued. The new card had a higher interest rate and a lower credit limit. That's when I went shopping for a new credit card company.



       

Luci

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Re: S/O Beggars, Moochers and Scammers
« Reply #391 on: January 29, 2013, 03:15:55 PM »
Our nephew had his credit card number stolen 5 years ago.

The thieves tested it by making a small credit - in this case to the opposite political party.

He said that made him angrier than the theft and the subsequent large purchases.
« Last Edit: January 29, 2013, 04:59:13 PM by Luci45 »

VorFemme

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Re: S/O Beggars, Moochers and Scammers
« Reply #392 on: January 29, 2013, 04:36:17 PM »
I used to work at an insurance company, setting up claims from the internet during the day.  Someone else took care of them at night - I kept a paper log of all attempts to file a claim as they were just getting this function set up and the programmers wanted details.

Someone abandoned an attempt to file a water damage claim where they were parked in a low lying area in "Famous City" (that is below sea level in the USA).  I logged it the next morning and then found a second report on the same policy, vehicle, and damages - but with the addition of four passengers who got hurt getting out of the vehicle when it slid into a drainage ditch....

Night person hadn't seen the earlier "incomplete" report.  I was the only person who "saw" both due to that paper log.  The company had lawyers in that state who shut down the attempt at fraud (medical claims) and I'm pretty sure denied the claim for the water damage, due to the attempted fraud (legal phrasing in contract made that the penalty for attempting to defraud the insurance company). 

In training, we heard stories of attempts to do worse....such as trying to file a claim for something that burned up in a house fire that the person never owned (high end computer) or the whole house (inventory records had some incriminating information included). 

The old commercial phrased it as "it's not nice to fool Mother Nature" - but your insurance company can not only get you into legal trouble - you'll be in financial trouble due to not being PAID for the damages, under those circumstances.

Let sleeping dragons be.......morning breath......need I explain?

snowflake

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Re: S/O Beggars, Moochers and Scammers
« Reply #393 on: January 29, 2013, 04:45:06 PM »
Many, many years ago, I participated in an online community for fibromyalgics.  I no longer do so because of people like the one in this story.
<snip>

I confess I was banned from an infertility forum for calling out a scammer.  It was set up with different sections for different types of infertility.  Because my husband and I have very FUN reproductive systems, our problems actually overlapped many different causes.

That was why I discovered one screen name posting a different story in different areas.  On on section she had unexplained ovarian issues and ovulated twice a year.  On another, she had horrible endometriosis and had monthly surgeries for it.  On yet another, her husband had a zero sperm count.  At first I just let it go and figured she was some attention-seeker.  Besides, wasn't I looking like some fake poster with every infertility diagnosis under the sun?  But then on every single section, she had a "miracle" pregnancy and claimed it was due to one over-priced device that you could buy on a shady website.  Keep in mind, that with fertility treatments running easily in the tens of thousands of dollars, a $500 miracle treatment looks pretty dandy.

So she posted on one of my threads, I responded with links to all her other threads and said, "I know what you are doing, please don't insult my intelligence."  I'll admit to being angry and hormonal from fertility drugs.  While many private messages told me that I was being pretty reasonable, I'm pretty sure my tone was on the crabby side.

I got banned for "not keeping in the supportive tone of our boards."    I figured that with moderators like those, who needed trolls? 

athersgeo

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Re: S/O Beggars, Moochers and Scammers
« Reply #394 on: January 29, 2013, 05:43:54 PM »
I've had the ringing about your car accident call quite a few times. And one time the guy did argue with me for some time about whether or not I'd been in a car accident as "his records clearly showed I had been and was entitled to compensation". I realised his company must have bought my details from my insurance firm, after id backed out of a car park space at two miles an hour and accidently dented the wheel arch of the empty car in the next booth. For some reason he was trying to tell me I could sue the other driver (?) for my injuries (?). Wow.

which would explain it, except for one minor detail: I haven't made an insurance claim because I've not had an accident with anything other than my own gatepost... (yes; I have just touched wood)

Elfmama

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Re: S/O Beggars, Moochers and Scammers
« Reply #395 on: January 29, 2013, 09:21:14 PM »
Lastly, here's a new one for the thread: "I'm ringing you about your car accident."
I've had two or three of these, where someone opens the conversation with those words. My immediate response is generally, "What car accident?" So far, I've yet to have anyone argue the point with me so I'm still not entirely sure what the scam is, but it's all rather strange...
We had a rather weird one the other day, and the best that we can come up with is that the insurance agent thought that we were part of a scam.

DH witnessed a minor traffic accident; someone in a pickup truck cut off another driver, so close that the other driver hit him.  Pickup didn't even slow down, but took off at a dangerously high speed. We stopped to give the other driver our contact information; while we were there, a cop pulled up, took the driver's statement, took DH's information, then told us that someone else had witnessed the accident and got a plate number from the pickup.

Some days later a person who said that she was from an insurance company called. 
Insurance Lady: "I'm asking about the accident that you witnessed on December 31st on X road."
DH: "I did witness an accident on that date, but it was on Y Highway."
IL: "Oh.  Is that in Smalltown, Maryland?"
DH: "No, it's in Major Suburb."
IL: "I see.  And it was a single lane in each direction?"
DH (by now very confused): "No, it's two lanes in each direction, plus left turn lanes."
IL: "Okay, I think I have all I need.  Thank you!" And she hung up.

 ??? ??? ???
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Common sense is not a gift, but a curse.  Because then
you have to deal with all the people who don't have it.
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asb8

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Re: S/O Beggars, Moochers and Scammers
« Reply #396 on: January 29, 2013, 09:37:29 PM »
To me that sound like she was checking your husband's statement and seeing if he told the same story (as in narrative, I'm not accusing him of lying) when asked again.  When I supervised a large fleet of vehicles, I used a similar tactic whenever I had to (in-house) investigate an accident.  You'd be amazed how many drivers would nod and smile when I asked then to verify completely different details in an attempt to evade being written up. 

Miss Tickle

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Re: S/O Beggars, Moochers and Scammers
« Reply #397 on: January 29, 2013, 09:56:49 PM »
A few years ago I got a call from a girl wanting to open a bank account.  Not something I do, but before I could transfer her she told me WHY she needed the account.

Seems she was advertising on Craigslist for nanny/babysitting jobs, and a "Dr. Oz" from England wanted to hire her! He'd pay her 2000 per month for picking up the kids from school and looking after them until his sister got off work two hours later. The rest of the time she was free to go to school or whatever. But she needed an account from our bank for him to deposit her pay.

I asked all sorts of questions (pretty sure it was a scam) and she kept repeating "But if it's true…, But if it's not a scam…" I asked if she'd done the math?  No, but it seems like a great deal." (Yeah 35+ dollars an hour for babysitting sounds AWESOME. Duh.)

I asked if she'd trust someone with her kids she'd never met and hired off the net?

Well, I don't know, but if it's true….?

I suggested she verify her information from this doctor before she did anything. And not send any money anywhere for him.

She called back. I couldn't believe it! She called again and again. More rounds of "But, if it's true...", and "he seems so sincere, and it's a lot of money".

I explained exactly what I thought would happen. He'd send her a check for payment, and ask that she forward some money to his "sister" or similar.  I asked if he'd suggested that yet, but she demurred.  She made a couple more comments about how "real" he was, he even told her where he works (a clinic with no directory) and finally mentioned his name again.

Except this time it wasn't the same name she gave me the first time. The first call she called him "Dr. Oz", this time he was "Dr. Phil". I pointed out that most legitimate doctors can remember their own names for more than a couple weeks at a time.

She said "Oh." and hung up. 

I don't know if she was trying to scam me, or he was trying to scam her, but I learned something.

shadowfox79

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Re: S/O Beggars, Moochers and Scammers
« Reply #398 on: January 30, 2013, 02:19:10 AM »
Our nephew had his credit card number stolen 5 years ago.

The thieves tested it by making a small credit - in this case to the opposite political party.

He said that made him angrier than the theft and the subsequent large purchases.

I had similar feelings when someone stole my credit card and used it to fly Ryanair.

otterwoman

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Re: S/O Beggars, Moochers and Scammers
« Reply #399 on: January 30, 2013, 03:48:01 PM »
This would be listed under Scammer Fail:

Right before Christmas, a package was delivered to me at home. From Apple. My DH was there and asked if I had ordered anything. Nope. So, I opened it up. It was a Mac Book Pro laptop. I was confused, DH wondered aloud if it was a gift from my stepmom (she gave DD an iPad last Christams). I said I wasn't that good this year, besides all our computers are Windows. The packing slip didn't indicate who paid for it.

So, I called Apple, and asked them. They said MyName ordered it. Umm, no I didn't. How was it paid for? With this credit card, and he read off my credit card number! Ack! He had my name and address, but a different email address. The Apple CSR and I discussed the situation. He recommended that I call my credit card company, then the police, then back to Apple.

I called the CC company, they cancelled the transaction and my card. They sent a new card the next business day. The police came and took a report. I gave the trooper a copy of the pack list and the print out showing the cost of the item. He told me not to hold my breath on him finding the person.

Then back to Apple to return the laptop. They emailed me a return shipping label.

What kind of idiot steals a credit card, goes shopping, and then has the stuff shipped to the real CC holder's house?

magicdomino

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Re: S/O Beggars, Moochers and Scammers
« Reply #400 on: January 30, 2013, 04:30:58 PM »
This would be listed under Scammer Fail:

Right before Christmas, a package was delivered to me at home. From Apple. My DH was there and asked if I had ordered anything. Nope. So, I opened it up. It was a Mac Book Pro laptop. I was confused, DH wondered aloud if it was a gift from my stepmom (she gave DD an iPad last Christams). I said I wasn't that good this year, besides all our computers are Windows. The packing slip didn't indicate who paid for it.

So, I called Apple, and asked them. They said MyName ordered it. Umm, no I didn't. How was it paid for? With this credit card, and he read off my credit card number! Ack! He had my name and address, but a different email address. The Apple CSR and I discussed the situation. He recommended that I call my credit card company, then the police, then back to Apple.

I called the CC company, they cancelled the transaction and my card. They sent a new card the next business day. The police came and took a report. I gave the trooper a copy of the pack list and the print out showing the cost of the item. He told me not to hold my breath on him finding the person.

Then back to Apple to return the laptop. They emailed me a return shipping label.

What kind of idiot steals a credit card, goes shopping, and then has the stuff shipped to the real CC holder's house?

An idiot who didn't notice that the billing address had automatically filled in the sending address.  The question is, how did he get your address in the first place?

Slartibartfast

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Re: S/O Beggars, Moochers and Scammers
« Reply #401 on: January 30, 2013, 04:33:27 PM »
My guess is that he got into your Amazon.com account, but didn't have your credit card number.  Amazon makes you re-enter the number if you ship anywhere you haven't shipped before, but it stores your card number (without displaying it) and lets you ship to your home without needing to put anything in again.  It's still helpful from a scammer standpoint, but my guess is that the scammer had intentions of getting free stuff from your card and didn't realize until checkout that he couldn't make it ship anywhere he could get it.

otterwoman

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Re: S/O Beggars, Moochers and Scammers
« Reply #402 on: January 30, 2013, 04:34:34 PM »
This would be listed under Scammer Fail:

Right before Christmas, a package was delivered to me at home. From Apple. My DH was there and asked if I had ordered anything. Nope. So, I opened it up. It was a Mac Book Pro laptop. I was confused, DH wondered aloud if it was a gift from my stepmom (she gave DD an iPad last Christams). I said I wasn't that good this year, besides all our computers are Windows. The packing slip didn't indicate who paid for it.

So, I called Apple, and asked them. They said MyName ordered it. Umm, no I didn't. How was it paid for? With this credit card, and he read off my credit card number! Ack! He had my name and address, but a different email address. The Apple CSR and I discussed the situation. He recommended that I call my credit card company, then the police, then back to Apple.

I called the CC company, they cancelled the transaction and my card. They sent a new card the next business day. The police came and took a report. I gave the trooper a copy of the pack list and the print out showing the cost of the item. He told me not to hold my breath on him finding the person.

Then back to Apple to return the laptop. They emailed me a return shipping label.

What kind of idiot steals a credit card, goes shopping, and then has the stuff shipped to the real CC holder's house?

An idiot who didn't notice that the billing address had automatically filled in the sending address.  The question is, how did he get your address in the first place?

The best guess I have is an employee at an online store swiped the info when I ordered something. I don't get mailings from that CC company, everything is online with them.

otterwoman

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Re: S/O Beggars, Moochers and Scammers
« Reply #403 on: January 30, 2013, 04:35:40 PM »
My guess is that he got into your Amazon.com account, but didn't have your credit card number.  Amazon makes you re-enter the number if you ship anywhere you haven't shipped before, but it stores your card number (without displaying it) and lets you ship to your home without needing to put anything in again.  It's still helpful from a scammer standpoint, but my guess is that the scammer had intentions of getting free stuff from your card and didn't realize until checkout that he couldn't make it ship anywhere he could get it.

But, I've never ordered from Apple.com.

MommyPenguin

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Re: S/O Beggars, Moochers and Scammers
« Reply #404 on: January 30, 2013, 04:41:13 PM »
It's possible that the scammer sent it to your home address to avoid setting off any credit alerts, and planned to stop by your house and grab the package off your porch.  But then you picked it up before he could get there.
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