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 1182736 times)

Offline yossig

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Re: PSA: Don't swipe recklessly for others
« Reply #3660 on: October 29, 2019, 12:11:04 PM »
The charge made on June 11 (3 months after I told him to close my card) was a new merchant.Anyone know of a reliable legal person who would be able to assist?
you should be able to dispute based on the fact that YOU never charged your card by him and neither did YOU authorize anyone to do so.
 It never hurts to get professional help, but I think this is pretty simple, and can be done on your own.

Do you have any written correspondence with the guy that charge the card?

Offline CountValentine

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Re: PSA: Don't swipe recklessly for others
« Reply #3661 on: October 29, 2019, 12:44:49 PM »
you should be able to dispute based on the fact that YOU never charged your card by him and neither did YOU authorize anyone to do so.
 It never hurts to get professional help, but I think this is pretty simple, and can be done on your own.

Do you have any written correspondence with the guy that charge the card?
It is not simple at all. He gave someone his card. He basically made that person an AU.
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Re: PSA: Don't swipe recklessly for others
« Reply #3662 on: October 29, 2019, 12:49:45 PM »
It is not simple at all. He gave someone his card. He basically made that person an AU.
Does making someone an AU give them carte blanche access to spend anything they want if they are told what they're allowed and not allowed to do?
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.

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Re: PSA: Don't swipe recklessly for others
« Reply #3663 on: October 29, 2019, 12:51:37 PM »
Does making someone an AU give them carte blanche access to spend anything they want if they are told what they're allowed and not allowed to do?
Basically yes. You need to call up and close the card or set restriction.
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Re: PSA: Don't swipe recklessly for others
« Reply #3664 on: October 29, 2019, 12:52:58 PM »
if the AU didnt follow your guidelines then you have to take it up with them directly. It's not a valid reason to claim fraud etc
as per their rules

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Re: PSA: Don't swipe recklessly for others
« Reply #3665 on: October 29, 2019, 12:54:45 PM »
I should mention some FI's will close your account if you give your card to someone to use.
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Re: PSA: Don't swipe recklessly for others
« Reply #3666 on: October 29, 2019, 01:03:58 PM »
I should mention some FI's will close your account if you give your card to someone to use.
I think this is what op was worried about

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Re: PSA: Don't swipe recklessly for others
« Reply #3667 on: October 29, 2019, 01:04:53 PM »
I think this is what op was worried about
The cards are closed so I guess no need to worry about that now.  :)
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Re: PSA: Don't swipe recklessly for others
« Reply #3668 on: October 29, 2019, 01:06:48 PM »
I should mention some FI's will close your account if you give your card to someone to use.
my account is already closed

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Re: PSA: Don't swipe recklessly for others
« Reply #3669 on: October 29, 2019, 01:09:11 PM »
my account is already closed
Was just a FYI for others.
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Re: PSA: Don't swipe recklessly for others
« Reply #3670 on: October 29, 2019, 01:10:48 PM »
if the AU didnt follow your guidelines then you have to take it up with them directly. It's not a valid reason to claim fraud etc
as per their rules
That's if you made them an AU, not if you let them use your card and told them to stop.

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Re: PSA: Don't swipe recklessly for others
« Reply #3671 on: October 29, 2019, 01:13:08 PM »
That's if you made them an AU, not if you let them use your card and told them to stop.
You are making a distinction IMHO the FI will not. Best to get legal advice on this.
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Re: PSA: Don't swipe recklessly for others
« Reply #3672 on: October 29, 2019, 01:18:07 PM »
Anyway, since he told the guy to stop using the card, i don't see why he needs to assume this new charge was done by him.

I would dispute it.

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Re: PSA: Don't swipe recklessly for others
« Reply #3673 on: October 29, 2019, 01:18:46 PM »
It is not simple at all. He gave someone his card. He basically made that person an AU.
when you add an AU they read you a disclaimer with all your responsibilities.
He DID NOT add him as an AU, and won’t be binding to their rules

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Re: PSA: Don't swipe recklessly for others
« Reply #3674 on: October 29, 2019, 01:20:18 PM »
Anyway, since he told the guy to stop using the card, i don't see why he needs to assume this new charge was done by him.

I would dispute it.
What happens when they ask if you have the card in your possession?
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Re: PSA: Don't swipe recklessly for others
« Reply #3675 on: October 29, 2019, 01:21:49 PM »
when you add an AU they read you a disclaimer with all your responsibilities.
He DID NOT add him as an AU, and won’t be binding to their rules
I am glad you know the rules. What does the rules say about giving someone else your card to use?
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Re: PSA: Don't swipe recklessly for others
« Reply #3676 on: October 29, 2019, 01:22:01 PM »
I don’t see why not to dispute by saying the truth,

I don’t know the merchant and never authorized anyone to charge my card by him.

Now the merchant will have the burden of proof that you did authorize it which he doesn’t have

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Re: PSA: Don't swipe recklessly for others
« Reply #3677 on: October 29, 2019, 01:22:26 PM »
Ok, so now this gets even weirder. After reviewing my credit report, this guy (or someone) is still making minimum monthly payments, through September (the most recent info available). Also, there is a dispute that was filed "FCBA dispute resolved - consumer disagrees", I have no idea what thats about. Finally, in Jul the balance was 3594, in Aug it was 50, and then in Sep its back up to 3498. Did he bounce a check?
I have no access to online, so I can't  see any statements.

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Re: PSA: Don't swipe recklessly for others
« Reply #3678 on: October 29, 2019, 01:23:01 PM »
I don’t see why not to dispute by saying the truth,

I don’t know the merchant and never authorized anyone to charge my card by him.

Now the merchant will have the burden of proof that you did authorize it which he doesn’t have
What happens when they ask if you have the card in your possession?
Only on DDF does 24/6 mean 24/5/half/half

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Re: PSA: Don't swipe recklessly for others
« Reply #3679 on: October 29, 2019, 01:24:17 PM »
Ok, so now this gets even weirder. After reviewing my credit report, this guy (or someone) is still making minimum monthly payments, through September (the most recent info available). Also, there is a dispute that was filed "FCBA dispute resolved - consumer disagrees", I have no idea what thats about. Finally, in Jul the balance was 3594, in Aug it was 50, and then in Sep its back up to 3498. Did he bounce a check?
I have no access to online, so I can't  see any statements.
Do you know the card #?
Only on DDF does 24/6 mean 24/5/half/half