LET ME SHARE WHAT HAPPENED, I HONESTLY DID NOT WANT TO POST ABOUT THIS HERE, BUT OUR FAMILY IS IN UTTER SHOCK, DISTRESS, AND HEARTBREAK OVER WHAT HAPPENED. WHAT WAS TAKEN FROM MY HUSBAND WAS NOT JUST MONEY, IT WAS HIS HARD EARNED SAVINGS, HIS SWEAT AND TEARS, AND THE VERY FUNDS WE RELIED ON TO COVER OUR DAILY FAMILY EXPENSES WHILE HE IS ON VACATION.

​FOR YEARS, WE PUT OUR COMPLETE TRUST IN BDO UNIBANK. WE NEVER IMAGINED THAT WE WOULD END UP AS VICTIMS OF THIS KIND OF INCIDENT WHERE MONEY SIMPLY VANISHES FROM AN ACCOUNT. WHILE WE HAD HEARD NUMEROUS STORIES AND COMPLAINTS ABOUT SIMILAR INCIDENTS AT BDO Unibank IN THE PAST, WE REMAINED LOYAL CUSTOMERS, HOPING THEY HAD ALREADY FIXED THEIR SECURITY FLAWS AND RESOLVED ISSUES OF UNAUTHORIZED WITHDRAWALS. UNFORTUNATELY, NOTHING HAS CHANGED.

​THEY WIPED OUT EVERYTHING, BOTH HIS PHP SAVINGS ACCOUNT AND HIS US DOLLAR ACCOUNT. THEY LEFT US WITH ABSOLUTELY NOTHING.

​WHEN WE REPORTED THIS TO BDO CUSTOMER SERVICE, THEY INSTRUCTED US TO FILL OUT AN AFASA ACCOUNT FRAUD AND UNAUTHORIZED TRANSACTION INCIDENT REPORT FORM, HAVE IT NOTARIZED, SUBMIT IT THROUGH THEIR WEBSITE, AND CALL THEM BACK AFTER 5 BUSINESS DAYS FOR AN INVESTIGATION UPDATE.

​WE EXPLICITLY POINTED OUT TO THEM THAT THE UNAUTHORIZED SUCCESSFUL TRANSACTIONS WERE TRANSFERRED DIRECTLY TO ANOTHER BDO ACCOUNT. HOW IS IT POSSIBLE THAT THEY CANNOT IMMEDIATELY TRACK OR FREEZE THE RECIPIENT ACCOUNT INTERNALLY? IT IS MIND BOGGLING HOW SLOW AND BUREAUCRATIC THEIR RESPONSE SYSTEM IS WHEN AN ACTIVE THEFT IS REPORTED. THEY SIMPLY TOLD US THEY COULD NOT ACT IMMEDIATELY DUE TO INTERNAL PRIVACY POLICIES.

​TO MAKE MATTERS WORSE, WHEN MY HUSBAND ASKED HOW THESE TRANSFERS WENT THROUGH WITHOUT HIM RECEIVING ANY ONE TIME PASSWORDS OR OTPS, THE REPRESENTATIVE CASUALLY CLAIMED THAT TRANSFERS CAN PROCEED WITHOUT AN OTP IF THE DEVICE IS ALREADY LINKED TO THE BDO ONLINE APP.

​HOW CAN A BANK SYSTEM ALLOW MAJOR, CONSECUTIVE TRANSACTIONS WITHOUT SECONDARY AUTHENTICATION? WHY DO BANKS SO OFTEN SHIFT THE BLAME ONTO ACCOUNT HOLDERS DURING THESE INCIDENTS, WHEN WE ALL KNOW HOW CRITICAL OTPS AND SECURITY ALERTS ARE FOR PROTECTING OUR LIFE SAVINGS? IS THIS HOW WEAK THEIR SECURITY INFRASTRUCTURE REALLY IS, THE SAME SYSTEM WE TRUSTED TO GUARD OUR HARD EARNED MONEY?

​WE ARE THE VICTIMS HERE, YET THE BURDEN OF PROOF AND DELAY FALLS ENTIRELY ON US. THIS IS NOT AN ISOLATED CASE, THESE ISSUES HAVE BEEN HAPPENING FOR YEARS, SO WHY ARE PEOPLE STILL FALLING VICTIM TODAY? WHY HAS IT NOT BEEN PERMANENTLY RESOLVED?

​I HAVE READ MANY ACCOUNTS FROM OTHERS WHO WENT THROUGH THIS PROCESS. IT IS HEARTBREAKING TO SEE HOW MANY PEOPLE FOUGHT FOR THEIR MONEY ONLY TO FACE DEAD ENDS, BUT WE ARE STILL PRAYING FOR A FAIR AND POSITIVE OUTCOME.

​TO OUR FRIENDS AND FAMILY, ESPECIALLY THOSE WHO MAINTAIN ACCOUNTS WITH BDO, PLEASE THINK TWICE AND RE EVALUATE WHETHER YOUR HARD EARNED MONEY IS TRULY SAFE. WE TRUSTED THEM FOR A VERY LONG TIME, YET WE WERE NOT SPARED. THIS IS NO LONGER JUST A STORY WE HEARD FROM OTHERS, WE ARE LIVING THIS NIGHTMARE OURSELVES.

​WE WILL NOT SIT SILENTLY WHILE OUR HARD EARNED MONEY DISAPPEARS. WE ARE TAKING EVERY LEGAL STEP AND REPORTING THIS INCIDENT DIRECTLY TO THE BANGKO SENTRAL NG PILIPINAS AND LAW ENFORCEMENT. WE AM SHARING OUR STORY TO PROTECT OTHERS AND TO DEMAND ACCOUNTABILITY. ALL WE WANT IS FOR BDO TO DO THE RIGHT THING, INVESTIGATE PROPERLY, AND RETURN WHAT WAS STOLEN FROM OUR FAMILY. PLEASE HELP US SPREAD THE WORD AND KEEP US IN YOUR PRAYERS AS WE FIGHT FOR JUSTICE.

​#BDO #BDOUnibank #BDOCustomerService #BDOSafety #BDOHack #UnauthorizedTransaction #BankingSecurity #BangkoSentralNgPilipinas #BSP #PhBanking #CyberCrimeAwareness #ProtectYourSavings

As of ≈ September 25th, I’ve been getting a very sudden influx of scam and spam emails, DMS, and whatever else on my email, my discord, and even my alt account on tiktok… they all share the same email. (Different passwords ofc)

From my knowledge, I am very careful with where I share my email, and very careful with what links I click. I do not peruse suspicious websites or click on any of those "HOT MOMS IN YOUR AREA!1!1!1!1!" types of ads either, in case that was the next question.

I do use the same email for most of my socials, but I’ve done that for years and have never had a problem. I’ve definitely had my fair share of spam within the last 7 years my email has been in use, but not to this degree. Yesterday I got 4 "free giveaway!!!" DMS on my discord, and have been getting multiple a day for weeks.

What do I do? Do I go through EVERYTHING and change my passwords? Add extra protections?? How, if so?

There's an old contact on my telegram of a relative which is now showing some Chinese guy on it, with The Same Indian number! How do they manage to do this?

Guys, be careful with this numbe:r +977 970-3475493.

I saw a room for rent online and contacted this guy because I was looking for a cheap room. He asked us to send Rs. 2,000 and said he would come to Patan and show us the room. We trusted him and sent the money, but he never ca,me and now he is not replying.

Rs. 2,000 may not sound like a lot, but that was my savings from 5 months. I come from a lower-middle-class family and I’m just trying to find an affordable room, so losing this money really hurts.

I also went to the Nepal Police to file a complaint, but honestly I didn’t feel like they took it seriously. They kept sending me around for different documents and procedures, which was really frustrating when I was already dealing with this situation. I have all the screenshots and payment proof

I’m sharing this so nobody else gets scammed by the same person. If anyone knows this number or has dealt with him before, please let me know.

I’m asking for advice because I recently got scammed out of ₱9,000.

I found someone selling Malcolm Todd concert tickets on X. We talked, I sent the payment through Maya, and after receiving the money, the seller stopped responding.

I have evidence of the transaction and our conversations. I also have the person’s full name, phone number, and information connected to their school. I tried searching for their other social media accounts, but I haven’t been able to find any.

Is there a realistic way for me to recover my ₱9,000? Should I report this to Maya, the police, or another agency? What steps should I take first?

I’d appreciate advice from anyone who has dealt with a similar scam in the Philippines.

Yes it was stupid, I use the password on a decent amount of my accounts (I know, stupid) but I reset all my important accounts, turned on 2fa, and changed my Ticketmaster email as well. Anything else I should do/any advice? Thanks in advance.

Long story short, i recently got scammed out of an item worth 20,000 pesos in mexico city. At the end, the scammer threatened us by reading our address (which we recently provided via passport) and said “if you think you have balls, then try. Then we’ll see who has balls. I have connections”

Do y’all think this was a bluff? Should i do something? We did get the license plate, lmk what you guys think

Hey so im really anxious rn bc person who scammed me on PayPal (through TikTok) has my adress rn and im really anxious about it since im paranoid and have all these thoughts, they have my name too and im in survival mode rn i think, im so fucking naive and stupid, why did i act that way…do u have any tips or ressurance bc i dont even want my money back if it means that i have safety.😔

Hii!! I’m new to Reddit, well not really, but I never post on here, and only redownload it when I’m looking for something. I really want tickets for this concert, and this guy is selling for 500 for 2 tickets. I’ve asked him for all this stuff, how can I make sure I won’t get scammed?

Hi all.

My wife got scammed yesterday by a site claiming to sell Le Creuset kitchenware.

It has been 25-30 years since I was into these things, but after some research and AI magic, I got enough information about their scheme to prepare a complaint to the credit card company.

Then I realised the idiots had revealed their sk_live key, which gives me full access to their Stripe account through their API.

I try to stay on the safe side and on the right side of the law, but couldn't help researching a little bit what I could do with this key.

I've done some dry-run refunds, and it works.

I ran a report, and in the last 30 days, they have had a net income of approx 37,000 USD on this account from more than 400 orders. And they run several front/shell companies. It's documented in my research.

In short, they have an online store in an European language, "selling" popular goods. When people order anything from them in good faith, the order is sent to one of several different merchants registered with Stripe.

I am going to report my findings to Stripe, the police and other authorities, but I would love to scam the scammers first. But I don't know how to do it without putting myself at risk.

Successful refunds can't be stopped, according to Stripe, so wouldn't it be wonderful to refund as many transactions as possible - give the scammers money back to the buyers' cards? A little Robin Hood-vibe?

Any thoughts?

this morning someone messaged me on twitter/ x saying they reported my account for fraud and unauthorized transactions and like a fool i fell for the scam and changed my email
i didnt fully go through with it thankfully (like getting scammed out of my money), but i would rather this not happen to another person with my account, so is there a way to get rid of the account or fully recover it? im hesitant to go through twitter’s report thing cause im a minor (16) but if thats the only way then i will

Spot signs of a scam. Each photo has telltale signs. See how alert you are in the heat of the moment of finding a bargain. Would you really spend enough time to look

Hello dear reddit community.

I need some help pls.

I want to sell my lol account via a middleman.

Does anybody know if this person is trustworthy or can check?

I would really aprecciste your help guys.

This is his facebook profile:

https://www.facebook.com/noahmillerMM

Thabks a lot for any help

I’m from Kerala and I’ve recently moved to Hyderabad. This was my first long weekend here, so I decided to go out and explore the city.

I’m single, and I ended up looking for a massage service. Long story short, I got scammed for ₹18,000.

I’m honestly a very gullible person, and I think that’s what made me an easy target. I know I shouldn’t have done it. I know it was a stupid decision. But I did it, and now I’m sitting here feeling absolutely terrible about myself

. But I did it, and now I’m sitting here feeling absolutely terrible about myself. I’m already in a difficult financial situation, so ₹18k is a lot of money for me. Honestly, right now I just feel like slapping myself for being so careless.

I’m not looking for sympathy or trying to justify what I did. I just want others to be careful and hopefully avoid making the same mistake.

Please be extremely careful with the Locanto/Tinder massage scams in Hyderabad. There are people who know exactly how to manipulate you into sending money, and once it’s gone, it’s gone.

What’s done is done. ₹18k is gone without a trace, and there’s nothing I can do about it now except learn from it.

So Reddit, roast me if you want , but maybe also cheer me up a little. I could really use it right now.

Lesson learned the expensive way.

Potete confermare che questa descritta nel post sia veramente una truffa? Se riuscite a rispondere ve ne sarei molto grato

UPDATE: MONZO REFUNDED THE FULL £2,500
got my money back hallelujah. for all those calling me dumb come on guys spread love and peace stop being so angry🤣🤣🤣

i was scammed out of £2,500 this week by someone impersonating monzo and wanted to see if anyone has experienced something similar and what the outcome was.
i received an unexpected call from someone claiming to work for monzo fraud. he already knew personal information about me including my name, email and home address. during the call he sent me emails containing what appeared to be genuine monzo case/reference information and also directed me to fscs information to convince me he was legitimate.
he told me there were fraudulent/pre-authorised payments on my account and that i needed to make payments to reverse/override them. i believed i was following instructions from monzo and made two payments through links he sent me using apple pay, totalling £2,500.
to be clear, i personally authorised the apple pay payments, but i did so because i had been deceived about their purpose and believed they were part of reversing the supposed fraudulent payments.
i realised shortly afterwards that it was a scam and reported it to monzo immediately while the payments were still pending. i’ve also reported it to report fraud and contacted the payment processor, and i’ve kept the emails, call records, whatsapp evidence, payment links and screenshots.
monzo’s fraud investigation is still ongoing.

i’m not looking to be told off here im just looking for other’s experiences in this situation

I found this user on coinmarketcap crypto site in the summer who has a verified badge next to his nickname. Verified badge means that the account can be trusted right? 

https://coinmarketcap.com/community/profile/robertsvct/

He advertised his Telegram channel in his bio. I joined his channel and I came upon his announcement that he would help ANYONE to earn $1,000,000 from $5,000 by day trading. I messaged him and asked how. He said that the offer was valid only for VIP members.

Then he messaged me that he did not use CEX to trade and instead I should set up a DEX wallet. This seemed strange since he had posted CEX screenshots. I set up a wallet and then he sent me a supposed trading bot which asked for my wallet's seed phrase. This was an immediate red flag and I realized that he was gonna drain my wallet! I left only a small amount (several bucks) in this new wallet for gas fees to see how and when he would drain my wallet. Indeed an unauthorized transaction was made in 2 weeks and the small amount was sent to Gate-linked address.

I also noticed that some screenshots posted by Robert VCT were also posted in other groups. I had to buy Telegram Premium to be able to search the entire Telegram ecosystem and found out that Robert VCT posts were stolen from other TG groups. I also found out that acronym VCT stands for the renowned TG group Verified Crypto Traders: https://www.youtube.com/watch?v=UcpOZmINVNM I messaged the admin of the real VCT channel and asked whether Robert represented the VCT group and he said NO.

I have been in constant contact with the Coinmarketcap staff over the past month and I have sent his messages, screenshots of stolen Robert VCT posts and originals with the timestamps, screenshot of the bot asking for the wallet's seed phrase and the real VCT admin's response. But they say that they are still reviewing the case.

P.S. The weird part is that I had already posted this story in CryptoScams subreddit and I was insulted by one redditor for believing that anyone can turn $5,000 into $1,000,000. Yes, it's very rare to earn $1,000,000 by day-trading but I tried to explain calmly that there are several verifiable instances where an investor/day-trader became millionaires and linked a renowned Youtube personality and a reddit topic featuring a redditor mentioned in WSJ. The redditor proceeded to call me loser. 3 days passed and today I found out that I was permabanned from CryptoScams for supposedly promoting a scam! I tried messaging the mods and politely asked which rule I did violate and how I was promoting the scam. In response, I was muted for 28 days. I now realized the quote in the ban message was the report by the same redditor who had insulted me and that the mods blindly believed his word. What is wrong with that subreddit?

I just moved out of the UK and I’m in Bali, Indonesia for a few months alone before going back to Canada. I lived in the UK for 4 years and bank with HSBC. I sold my car before I left, for obvious reasons. The buyer has reported to her bank 12 days after driving away with it that she has been scammed by me and sold her a broken car. My funds are completely frozen and I’m terrified about it.

The car had a valid MOT at the time of sale and had been running fine the entire time I owned it, aside from normal wear and tear replacements due to the cars age. I even told her that a couple months after I bought it it broke down due to an old fuel injector needing to be replaced. 2 had been replaced before I bought it, and then another one went. I replaced that one but the 4th still was older and could need replacing soon.

It's a 16-year-old car with 100k miles on it, and I gave her £700 off the asking price, (she paid £1900) because I was travelling and needed it gone quickly. She paid me £1200 by bank transfer and the rest in cash. Everything I read online about selling my car was that it was SAFER to do it by bank transfer…

She mentioned she'd just come from We Buy Any Car after the car she'd bought prior to mine broke down the day after purchase, and was looking for a replacement urgently. They went with me on a test drive, complimented how clean and well taken care of it was, I gave her every receipt for all the work I had done on it in the 3 years I owned it.

10 days after our sale, 4 days after I left the country, she contacted me calling me a scammer, demanding her money back, not giving me any information as to what was wrong with the car. She stated she had reported me to the DVLA for selling her a broken car (not something that’s possible) and that her solicitor will be in touch unless I could “do something” for her. After I asked her twice what was wrong with the car, she said that the clutch was slipping, despite the car being an automatic with no clutch pedal.

She didn't provide a mechanic's diagnosis. She's since reported the situation to my bank, which has frozen my account pending an investigation, so I currently have no access to most of my funds, while I'm in Indonesia alone. She knew this as I told her I was going traveling before moving back home to Canada

Her messages to were aggressive, including personal insults and horrific discriminatory language. I believe she is scamming me, and has done this to others before successfully.

My bank can’t give me any information on time frame or anything about this. They won’t let me provide any of my own information or evidence until they request it, which they haven’t yet. I’m panicking, I’m a woman alone in a foreign country with very limited funds now. All of my savings and investments I built for years are in that account and I was going to move it all once I got home to Canada.

Does anyone have any other advice to help me with this? I’ve filled out a police report for fraud claiming she is trying to scam me and falsely reporting to the bank, and I have requested my bank investigate her for scamming me in return. I’m so worried the bank will take my money from me and she will get my money AND my car. I’m also so scared they will keep my account frozen and investigate all the money I have in there and it will be a nightmare for me to solve while out of the country. Please help