#fraudulent charges

[aiolegalservices]

Fraud and Money Recovery Services

In the fast-paced world of international commerce, fraud can strike unexpectedly, leaving individuals and businesses grappling with financial losses. AIO Legal Services understands the gravity of such situations and stands ready to provide comprehensive fraud and money recovery services tailored to recover what’s rightfully owned by our clients. We offer a wide range of money recovery services,…

[daisiesonafield-blog]

Don’t use Temu!

[permian-tropos]

my bank just called me to say someone stole my card to buy things off temu and shein and I blurted out “I know this is serious but this person has SUCH bad taste”

[thevioletcaptain]

whoever stole my account information in order to spend $127 on [checks notes] roku purchases, i hope you have incurable hangnails on every finger and toe for the rest of your shitty life.

[winslowat3am]

You prob won’t see this but hi! I follow you and your beautiful wife bc of your love for black women and life tips! I wanna share a story that happened yesterday where I was harassed in a gas station by an aggressive black male security guard and get nonblack poc feedback bc I no longer feel safe around black men and just curious to what advice or thoughts you have.

Last night I walked inside a pilot gas station to use the restroom where I wore a yellow camo track suit with the hood up bc I was cold. The security told me to take my hood down even tho there was no policy where I could see and followed me to the restroom door and called me out my name (I heard him thru the door), after I finished in the restroom I went to confront him at the register he was hiding behind where we got into a heated verbal exchange , I cussed him out amd I hurt his ego evidently bc he felt the need to follow me outside to escalate it but I outtalked him and got in my car. I never took my hood down. I went back in the gas station with a girlfriend for water after informing her of what happened where he then tried to make me remove my hood again and tried to encourage the women at the registers to refuse me service bc I wouldn’t remove my hood, we got into it again. He was aggressive, approached me slamming his hand on the counter, got loud, and sensitive bc I got the best of him twice verbally and in the end I still got the water and never took my hood down; the nice white lady at the register took my money from my friend who paid for it, the black woman at the register was a m@mmy. He nitpicked my outfit and physical appearance but ppl passing thru wore hoods and had pants hanging off their asses, tummy shirts, brought dogs in the store, but was never harassed like I was. I don’t have a problem following a policy but I won’t follow a policy when it’s enforced on me but no one else. So I called the police and they told me to file a complaint with corporate and see what I can do about it so I will be calling them in the morning. Did I mention the security tried to get me banned for trespassing just bc i didn’t back down and verbally whooped him?? LOLL!!! I’ll be carrying a switchblade from now on and learning to shoot a gun real soon!

Read my tags. I'm assuming you're a bw? It doesn't take all the hoodrat buffoonery Glocktavious displayed to ask someone to remove their hood. Talk to a lawyer, they'll help you go about prosecuting Dustavious the right way. So unprofessional. I hope this isn't a late response, I don't really check Tumblr lately or read every ask but yours grabbed my attention. You did the right thing! Always stand up for yourself. You're a savage for checking his ass. Never be afraid of a man, & keep a weapon on you. 👏👏👏👏Insecure, pussy "men" pick fights with women, they think being aggressive & loud intimidates you & they never prepare for a strong retort that shuts their shit down. My completely honest & straightforward unfiltered pov: We need to address the fact that the bullying of bw is a problematic behavior that is perpetuated by bm primarily (not all, but atp it's so common it might as well be). You'd be better off opening up your dating options to men outside of your race, tbh. (Be very selective & careful when itrl dating). Non-bm build their communities & protect their women. [Redacted] That's why I don't understand why some ww leave wm, who have privilege & power, for bm, who 9/10 don't have anything to offer except dick, kids & struggle love. Even when bm manage to have success it doesn't change their crusty ass mentality. I recently learned that a bw is killed by a bm every six hours. [Redacted] Bm are the only race of men who publicly bash, degrade & bully their race of women while praising, fetishizing & worshipping non-bw. But you can't expect men who hate themselves to love or value you. I see the bs bw have to deal with daily & it saddens me. I feel like they target bw cause they think it'll make them men & acceptable in the eyes of wm, it's embarrassing. [Redacted] I can't imagine treating my baby like that. [Redacted] I'll never post or reblog a "this is a safe space for everyone" post. It's not. I don't post for them. I don't want racists/colorists in my space where bw & woc tell me that they feel safe, seen & protected. I gatekeep my blog so that you're safe expressing your feelings here. I thought it was obvious since I never acknowledge bm but it needs to be said. I 100% agree with the bw advising bw to choose higher quality men. You should watch Cynthia G & Paris Milan on YouTube & other black women who cover domestic & racial topics, it's very educational & insightful, they offer a lot of perspective & I agree with so many points they make. [Redacted] The best advice I can give you is to run & never look back. Good luck. ❤️

[peachychip85000]

Did yall fucking know it was against Discord's ToS to tell ur bank to get ur money back on a charge YOU DID NOT MAKE bc someone HACKED UR ACCOUNT?

Guess how I know. Fucking guess.

[musicaldeductions]

I'm listening to my roommate try to dispute some charges on his credit card and I'm realizing that I'm not entirely sure this guy has ever worked in retail for a significant amount of time.

[prozach27]

.

[vengelark]

squatted to pick something up and split the seam of my jeans down my entire ass .

[xflashbastardx]

{ best friend never should have given me his cas.happ }

[ba-dum-chaa]

i am beginning to suspect that the city of boston hates me personally

[lylilorden]

today has almost managed to redeem this entire year-to-date holy shit

[blunderpuff]

very cool, my debit card got cloned somehow and there’s $300+ in pending charges on my account but i can’t get to my credit union until tomorrow, so i’m just going to be stressed tf out about it for the next 12 hours

[scatteredcloud]

Is fraudulent charge credits real money or will it disappear if the bank decides it isn’t actually fraud please advise i need to eat something

[administer-distractions]

.

[maikaartwork]

Artists, let’s talk about Instagram commission scammers

There’s been a huge rise in commission scammers recently, mostly on Instagram. A lot of new artists don’t know what to look out for, so I figured this might help people.

How they begin

Usually the scammer will write to you asking about a commission. Something deceptively cute - mostly I encounter asks about pet portraits, with one or two photos sent. They’ll probably try to sell you a sweet little story, like “It’s for my son’s birthday”. They will insist that they love your artwork and style, even though they don’t follow you or never liked a single piece of your art.

What to look out for:

Their profiles will either be private, empty, or filled with very generic stuff, dating at most a few years back.

Their language will be very simple, rushed or downright bad. They might use weird emojis that nobody ever uses. They will probably send impatient “??” when you don’t answer immediately. They’re in a crunch - lots of people to scam, you know. 

They’ll give you absolutely no guidelines. No hints on style, contents aside from (usually) the pet and often a name written on the artwork, no theme. Anything you draw will be perfect. Full artistic freedom. In reality they don’t really care for this part.

They’ll offer you a ridiculous amount of money. Usually 100 or 300 USD (EDIT: I know it might not be a lot for some work. What I mean here - way higher than your asking price, 100 and 300 are standard rates they give). They’ll often put in a phrase like “I am willing to compensate you financially” and “I want the best you can draw”, peppered with vague praise. It will most likely sound way too good to be true. That’s because it is.

Where the scam actually happens

If you agree, they will ask you for a payment method. They’ll try to get to this part as soon as possible. 

Usually, they’ll insist on PayPal. And not just any PayPal. They’ll always insist on sending you a transfer immediately. None of that PayPal Invoice stuff (although some do have methods for that, too). They’ll really, REALLY want to get your PayPal email address and name for the transfer - that’s what they’re after. If you insist on any other method, they’ll just circle back to the transfer “for easiest method”. If you do provide them with the info, most likely you’ll soon get a scam email. It most likely be a message with a link that will ultimately lead to bleeding you dry. Never, and I mean NEVER click on any emails or links you get from them. It’s like with any other scam emails you can ever get.

A few things can happen here:

They overpay you and ask for the difference to be wired back. Usually it will go to a different account and you’ll never see that money again. 

They’ll overpay you “for shipping costs” and ask you to forward the difference to their shipping company. Just like before, you’ll never see that money again.

The actual owner of the account (yes, they most likely use stolen accounts to wire from) will realize there’s been something sketchy going on and request a refund via official channels. Your account will be charged with fees and/or you get in trouble for fraudulent transactions. 

You will transfer the money from your PayPal credit to your bank account and they will make a shitstorm when they want their money back, making your life a living hell. They will call you a scammer, a thief, make wild claims, wearing you down and forcing you into wiring money “back” - aka to their final destination account. 

Never, EVER wire money to anyone. This is not how it’s supposed to go. Use PayPal Invoice for secure exchanges where the client needs to provide you with their email, not the other way around.

You can find more info on that method HERE.

What to do when you encounter a scammer:

Ask the right questions: inquire about the style, which artwork of yours they like, as much details as you can. They won’t supply you with any good answers.

Don’t let the rush of the exchange, their praise and the promise of insanely good money to get to you. That’s how they operate, that’s how they make you lose vigilance. 

Don’t engage them. As soon as you realize it might be a scam, block them. The sense of urgency they create with their rushed exchange, and pressure they put on you will sooner or later get to you and you might do something that you’ll regret later.

Never wire money to anyone. Never give out your personal data. Never provide your email, name, address or credit card info. 

Don’t be deceived by receiving a payment, if you somehow agree to go along with it. Just because it’s there now doesn’t mean it can’t be withdrawn. 

Here is a very standard example of such an exchange. I realized it’s a scam pretty fast and went along with it, because I wanted good screenshots for you guys, so I tried going very “by the book” with it. 

Please share this post, make it reach as many artists as possible. Let young or inexperienced artists know that this is going on. So many people have no idea that this is a thing. Let’s help each other out. If you think I missed any relevant info, do add it as an rb!

Also, if you know other scam methods that you think should be shared, consider rb-ing this post with them below. Having a master post of scam protection would AWESOME to have in the art community.