Topic Wiki

https://www.dansdeals.com/more/dans-commentary/dark-side-earning-credit-card-points-psa-dont-swipe-others/

https://www.mixcloud.com/zev-brenner/talkline-with-zev-brenner-on-credit-card-scams-affecting-the-orthodox-jewish-community/

http://podcast.headlinesbook.com/e/31616-credit-card-miles-and-points-swiping-for-rewards-buying-and-selling-miles-is-it-assur-and-a-chillul-hashem-or-a-great-way-for-a-side-parnassah/



BEFORE SWIPING FOR SOMEONE READ THIS: (first hand story)

https://forums.dansdeals.com/index.php?topic=36812.msg2062371#msg2062371
https://www.dansdeals.com/more/dans-commentary/dark-side-earning-credit-card-points-psa-dont-swipe-others/#comment-1399884


Dan's warning to DDF:
I hope people realize that any buying group or anyone else that gets merchandise in advance of payment can go south at any time. That's even if you get a check at the time of delivery.
X-posting as I don't want anyone to say that I never put a warning here.

A story that ended up in court - https://iapps.courts.state.ny.us/nyscef/DocumentList?docketId=iRcRHuyZUdOIx69D00a5XQ==&display=all&courtType=Kings%20County%20Supreme%20Court&resultsPageNum=1


I am one of the biggest buyers for buying groups, I have done millions in transactions and have sent to every group there is over the past 3 years. Most buying groups are okay, some scan in slower than others, some pay slower than others - most will lose a few packages over the year. You can research and find which are better for you.

However there is a bigger problem now with Amazon itself.  Amazon in the past has been great with any problems always ready with a refund for lost packages even if it was thousands of dollars. Lately Amazon has clamped down and has tagged these buying groups addresses  in their systems as "freight forwarder" and now no longer will fix any problem you have whatsoever. Doesn't matter what the problem is, even if it shows the package was never delivered, amazon will not help you in any way. Their copy and paste response will always be "this item was sent to a freight forwarder and we're unable to replace or refund the item. We recommend contacting your freight forwarder for more details, as we don't have any more insight or information regarding this matter, For more information about sending items via freight forwarders, please visit our Help Pages: https://www.amazon.com/gp/help/customer/display.html?nodeId=201117950." As well the amazon drivers either must know this or have been increasingly bad at delivering packages because the numbers of packages missing has gone up astronomically. Previously you would have very few packages missing, now the past 3 months I have had 59 "lost" packages. I now have over $15,000 of loses and some guy in Delaware is probably living the life with all the stuff he stole from me. I will survive, I have made a lot more than $15,000 over the years however just a warning to others here that things are not as they used to be and it really is no longer worth doing buring groups with all the loses piling up

« Last edited by Yo ssi on July 24, 2023, 06:47:26 PM »

Author Topic: PSA: Don't swipe recklessly for others  (Read 1182311 times)

Offline AJK

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Re: PSA: Don't swipe recklessly for others
« Reply #3540 on: June 15, 2019, 11:51:41 PM »
you read through it pretty fast ! im still sitting with a calculator trying to see if it really $50 million

Stop wasting your time. It's not.

$6,811,445,84.

Case is almost certainly a loser.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline gingyguy

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Re: PSA: Don't swipe recklessly for others
« Reply #3541 on: June 15, 2019, 11:56:14 PM »
Stop wasting your time. It's not.

$6,811,445,84.

Case is almost certainly a loser.
CMIIW but i see two cases one is for damages and one can put some people in jail for doing a Ponzi scheme
May you slide down the banister of happiness & get many splinters of success up your career.


Offline sillypainter

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Re: PSA: Don't swipe recklessly for others
« Reply #3543 on: June 16, 2019, 12:12:30 AM »
Stop wasting your time. It's not.

$6,811,445,84.

Case is almost certainly a loser.

It does not include all plaintiffs. I know a person that swiped over 100K and her name is not on there.

Offline lakewood34

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Re: PSA: Don't swipe recklessly for others
« Reply #3544 on: June 16, 2019, 12:21:06 AM »
It does not include all plaintiffs. I know a person that swiped over 100K and her name is not on there.
its heartrending  one extended family(based on the sharing of a uncommon last name) is on the hook for 1.5 million roughly
it does seem like the main point of the lawsuit is to allow the charge backs to proceed and get these people off the hook
they allege that the people were actively discouraged from filing chargebacks something dan mentioned on the air and twersky denied
they say it was a affinity scam targeted to hasidic jews
they say the processer fees over the life of the scam were 10 million so if it's 2 percent that makes 500 million going through the network over the years



Offline Dan

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Re: PSA: Don't swipe recklessly for others
« Reply #3545 on: June 16, 2019, 12:24:07 AM »
its heartrending  one extended family(based on the sharing of a uncommon last name) is on the hook for 1.5 million roughly
it does seem like the main point of the lawsuit is to allow the charge backs to proceed and get these people off the hook
they allege that the people were actively discouraged from filing chargebacks something dan mentioned on the air and twersky denied
they say it was a affinity scam targeted to hasidic jews
they say the processer fees over the life of the scam were 10 million so if it's 2 percent that makes 500 million going through the network over the years
Most of that $10MM is rebated back to the cardholder.

I wonder why Twerski denied the threats?
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 KSMH

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Re: PSA: Don't swipe recklessly for others
« Reply #3546 on: June 16, 2019, 12:32:17 AM »
The most one can say is WOW.

It literally is nation wide.

There are some people that would love this story.
Always praying for delayed baggage.

Offline KSMH

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Re: PSA: Don't swipe recklessly for others
« Reply #3547 on: June 16, 2019, 12:40:15 AM »
Based on these numbers you can easily see why some cc processors are stricter then others.

Look who is losing more money to these type of schemes.

It still does not justify them for not explaining or allowing explanations before closures.

Always praying for delayed baggage.

Offline knowitall

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Re: PSA: Don't swipe recklessly for others
« Reply #3548 on: June 16, 2019, 12:46:56 AM »

It still does not justify them for not explaining or allowing explanations before closures.
I’ve been on the receiving end of shutdowns from banks and other businesses over the years. While it sucks, this is America, nobody can force them to do business with you. They don’t need to “justify” shutting anybody down.

Offline CountValentine

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Re: PSA: Don't swipe recklessly for others
« Reply #3549 on: June 16, 2019, 12:51:40 AM »
They don’t need to “justify” shutting anybody down.
Actually they do.
Only on DDF does 24/6 mean 24/5/half/half

Offline KSMH

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Re: PSA: Don't swipe recklessly for others
« Reply #3550 on: June 16, 2019, 12:56:13 AM »
When dont they need to justify?

It hurts your CC score which on return can hurt loan applications ETC.

Big financial institutions should have the basic decency explaining shutdowns to consumers. Sadly this wont happen untill sued successfully.
Always praying for delayed baggage.

Offline ExGingi

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Re: PSA: Don't swipe recklessly for others
« Reply #3551 on: June 16, 2019, 12:59:56 AM »
https://drive.google.com/file/d/19J9GYyg8gtHZ9RnhdqYvT393D7Csh8Y8/view?fbclid=IwAR1loxGhfSAtO70rgUuIDaOpKWrlfRg-AspDAXMW6zH1JhOXLI0frCeK1Lk

Wow. Some familiar names there. Interestingly someone there must have not consulted with his FIL before engaging in any of this.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline CountValentine

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Re: PSA: Don't swipe recklessly for others
« Reply #3552 on: June 16, 2019, 01:00:34 AM »
Sadly this wont happen untill sued successfully.
They have been for non-compliance letters and have lost. The problem is they don't care about playing by the rules.
Only on DDF does 24/6 mean 24/5/half/half

Offline ExGingi

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Re: PSA: Don't swipe recklessly for others
« Reply #3553 on: June 16, 2019, 01:02:59 AM »
They have been for non-compliance letters and have lost. The problem is they don't care about playing by the rules.
Indeed. As evidenced by no one serving jail time or suffering personal financial consequences for bad activity, it’s all passed on as a cost of doing business expense to the shareholders.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline CountValentine

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Re: PSA: Don't swipe recklessly for others
« Reply #3554 on: June 16, 2019, 01:05:20 AM »
Indeed. As evidenced by no one serving jail time or suffering personal financial consequences for bad activity, it’s all passed on as a cost of doing business expense to the shareholders.
My guess if they said we are closing you because of XYZ they would open themselves up to even more suits.
Only on DDF does 24/6 mean 24/5/half/half

Offline 4yourinfo

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Re: PSA: Don't swipe recklessly for others
« Reply #3555 on: June 16, 2019, 01:25:34 AM »
Except that all cards specify that you don't get points and must pay interest for cash or cash equivalents.
Interestingly I said back in March they should file chargebacks based on not getting the agreed "service"  with the service being getting their bills paid.. They should claim the arrangement was a service that was not rendered.

Offline Don Will

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Re: PSA: Don't swipe recklessly for others
« Reply #3556 on: June 16, 2019, 08:57:45 AM »
Interestingly I said back in March they should file chargebacks based on not getting the agreed "service"  with the service being getting their bills paid.. They should claim the arrangement was a service that was not rendered.
I guess they should have hired you as their attorney

Offline knowitall

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Re: PSA: Don't swipe recklessly for others
« Reply #3557 on: June 16, 2019, 09:52:05 AM »
Actually they do.
Not really, legally speaking they only need to give a reason which can be extremely vague, like “misuse” “abuse” “not used as intended” or “credit risk”.

Offline as2

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Re: PSA: Don't swipe recklessly for others
« Reply #3558 on: June 16, 2019, 11:22:20 AM »
Not really, legally speaking they only need to give a reason which can be extremely vague, like “misuse” “abuse” “not used as intended” or “credit risk”.
Correct, but if they provide a reason like that, you can sue if they can't provide any proof backing that claim.
Memories last forever, make them while you can.

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Re: PSA: Don't swipe recklessly for others
« Reply #3559 on: June 16, 2019, 02:33:28 PM »
Not really, legally speaking they only need to give a reason which can be extremely vague, like “misuse” “abuse” “not used as intended” or “credit risk”.
Most if not all the ones you listed are non-compliant.
Only on DDF does 24/6 mean 24/5/half/half