Author Topic: PSA: Don't swipe recklessly for others  (Read 506117 times)

Offline jj1000

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Re: PSA: Don't swipe recklessly for others
« Reply #3260 on: March 07, 2019, 04:38:07 PM »
Awww. Guess we'll see what happens after the edits.
Lol.
I'm sure the post production edit will not be in your favor.. looking forward
It was more informative than arguing IMO.
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Offline Dan

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Re: PSA: Don't swipe recklessly for others
« Reply #3261 on: March 07, 2019, 04:39:18 PM »
I'm sure the post production edit will not be in your favor.. looking forward
Well then it's a good thing I have a recording in case I need it.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline churnbabychurn

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Re: PSA: Don't swipe recklessly for others
« Reply #3262 on: March 07, 2019, 04:40:24 PM »
Awww. Guess we'll see what happens after the edits.
I'm sure the post production edit will not be in your favor.. looking forward
Right.. but ototh you have big platform to address anything significant or egregious so might not be so bad at all.

Offline 4yourinfo

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Re: PSA: Don't swipe recklessly for others
« Reply #3263 on: March 07, 2019, 04:45:25 PM »
1) While there might be ways to phrase the dispute that wont be a straight out lie, at the end of the day the reality is all cc holder's lent money to someone on his own credit card, and the swiper did not pay back. While you are not under oath, you are in a way trying to defraud the bank Whatever you are going to tell the bank is misconstruing the truth, and essentially a lie which is a problem halachichally as well, since you are attempting to steal money from the bank.
I don't understand the issue with disputing. -When you open a dispute you can tell the bank exactly why you are disputing the transaction - you don't just tell them unauthorized - case closed. You explain to them the entire case .. Why can't you tell a bank I only authorized these transactions if I received a service - which in this case was getting paid back. Since I did not receive that service the transaction is therefore not authorized... If I order something from a store and they don't deliver it - I make the same claim I originally agreed to the sale as long as I get the product however since I did not receive the product - so the transaction was not authorized..

Offline ExGingi

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Re: PSA: Don't swipe recklessly for others
« Reply #3264 on: March 07, 2019, 04:49:49 PM »
I don't understand the issue with disputing. -When you open a dispute you can tell the bank exactly why you are disputing the transaction - you don't just tell them unauthorized - case closed. You explain to them the entire case .. Why can't you tell a bank I only authorized these transactions if I received a service - which in this case was getting paid back. Since I did not receive that service the transaction is therefore not authorized... If I order something from a store and they don't deliver it - I make the same claim I originally agreed to the sale as long as I get the product however since I did not receive the product - so the transaction was not authorized..
Nice try, but doesn't really hold water.

Listen to what you're saying "I paid for the service of being paid back?". Is that some form of Money Laundering? Cash Advance? Well, we as the bank aren't sure so we'll just file a report with the Feds.
I've been waiting over 5 years with bated breath for someone to say that!
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Offline LoLo

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Re: PSA: Don't swipe recklessly for others
« Reply #3265 on: March 07, 2019, 04:50:36 PM »
Unauthorized means a fraudulent charge, where someone used your card without your knowledge.

Offline 4yourinfo

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Re: PSA: Don't swipe recklessly for others
« Reply #3266 on: March 07, 2019, 05:47:17 PM »
Nice try, but doesn't really hold water.

Listen to what you're saying "I paid for the service of being paid back?". Is that some form of Money Laundering? Cash Advance? Well, we as the bank aren't sure so we'll just file a report with the Feds.
I agree it's a strange service but that is the service I agreed to.. who cares if the service makes sense? This is the service the buyer and seller agreed to and it wasn't fulfilled..
In regard to money laundering - Who cares what it looks like - this isn't a case of money laundering..
« Last Edit: March 07, 2019, 05:54:48 PM by 4yourinfo »

Offline 4yourinfo

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Re: PSA: Don't swipe recklessly for others
« Reply #3267 on: March 07, 2019, 05:49:47 PM »
Unauthorized means a fraudulent charge, where someone used your card without your knowledge.
You're able to dispute a charge when the goods or services is not rendered - I believe they tend to call all chargebacks unauthorized..

Offline Ephcc90

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Re: PSA: Don't swipe recklessly for others
« Reply #3268 on: March 07, 2019, 05:50:01 PM »
Why is everyone pontificating on whether or not you can dispute?

Look at the credit card agreement - it will define when and how to dispute - and call an attorney ASAP to discuss all possible ramifications, criminal and otherwise, that may result from a dispute.

Offline LoLo

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Re: PSA: Don't swipe recklessly for others
« Reply #3269 on: March 07, 2019, 05:52:52 PM »
You're able to dispute a charge when the goods or services is not rendered - I believe they tend to call all chargebacks unauthorized..
Incorrect, that's a billing dispute.

Offline Dan

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Re: PSA: Don't swipe recklessly for others
« Reply #3270 on: March 07, 2019, 05:54:33 PM »
Why is everyone pontificating on whether or not you can dispute?

Look at the credit card agreement - it will define when and how to dispute - and call an attorney ASAP to discuss all possible ramifications, criminal and otherwise, that may result from a dispute.
+1
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline ExGingi

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Re: PSA: Don't swipe recklessly for others
« Reply #3271 on: March 07, 2019, 06:55:09 PM »
I agree it's a strange service but that is the service I agreed to.. who cares if the service makes sense? This is the service the buyer and seller agreed to and it wasn't fulfilled..
Well, is it a cash advance? Should you be charged a Cash Advance fee, with all the accompanying terms? Or is this only the merchant violating the terms of his merchant account? IDK. I'm asking. Check the cardmember agreement.

In regard to money laundering - Who cares what it looks like - this isn't a case of money laundering..
Money laundering is a service, and the banks don't really care what it is in that respect. They don't want to have any part of anything that can smell like money laundering (definitely not unless there's big money in it for them), so they'll distance themselves from having any relationship with you, and likely pass on the information to the Feds to decide what they want to do with it.
I've been waiting over 5 years with bated breath for someone to say that!
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Offline knowitall

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Re: PSA: Don't swipe recklessly for others
« Reply #3272 on: March 07, 2019, 07:03:36 PM »
You know what amazes me?
This thread has grown 93 pages in the last month, yet we still have no info as to what course of action any victims are taking. And I donít believe any court froze any of the merchants assets either.

Offline stooges44

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Re: PSA: Don't swipe recklessly for others
« Reply #3273 on: March 07, 2019, 07:04:57 PM »
You know what amazes me?
This thread has grown 93 pages in the last month, yet we still have no info as to what course of action any victims are taking. And I donít believe any court froze any of the merchants assets either.

That's why it's called "just shmooze"

This is all just mikva/shaitel macher/barber talk.
If it's not free shipping it's not worth it.

Offline Something Fishy

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Re: PSA: Don't swipe recklessly for others
« Reply #3274 on: March 07, 2019, 07:10:50 PM »
This thread has grown 93 pages in the last month

Profile > Account Settings > Look and Layout > Messages to display per page > 50.

You're welcome :D.
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Offline Dan

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Re: PSA: Don't swipe recklessly for others
« Reply #3275 on: March 07, 2019, 07:16:16 PM »
656 pages for me in WAP
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline Denverite

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Re: PSA: Don't swipe recklessly for others
« Reply #3276 on: March 07, 2019, 07:18:26 PM »
You know what amazes me?
This thread has grown 93 pages in the last month, yet we still have no info as to what course of action any victims are taking. And I donít believe any court froze any of the merchants assets either.

I think we know what 4yourinfo is doing!  I for one am rooting for him...Dispute the charges brother! Only thing is though, if things go south with the feds, just please, please don't do like a Chesed Fund page to cover any legal fees.

Offline zale

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Re: PSA: Don't swipe recklessly for others
« Reply #3277 on: March 07, 2019, 07:53:44 PM »
You know what amazes me?
This thread has grown 93 pages in the last month, yet we still have no info as to what course of action any victims are taking. And I donít believe any court froze any of the merchants assets either.

I donít know if sharing that information is wise, and I suspect that some victimsí lawyers have told them to keep quiet about it.

Courts of law are first-come-first-serve והמבין יבין.

For that matter, more disputes and chargebacks make it harder, not easier for victims down the line.

Offline zale

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Re: PSA: Don't swipe recklessly for others
« Reply #3278 on: March 07, 2019, 07:55:34 PM »
656 pages for me in WAP

17 hours for me on dial-up.

Offline churnbabychurn

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Re: PSA: Don't swipe recklessly for others
« Reply #3279 on: March 07, 2019, 08:11:46 PM »
656 pages for me in WAP
How do you quote posts in wap?