My Son Fell Prey to Online Fraud

United States
December 3, 2017 7:13am CST
My son told me recently that he ordered an expensive item from a vendor online. He then told me that when he opened his online bank account he found that the vendor charged him 5 times for the item ordered. It put his account to a negative balance. He called the vendor several times and asked them to reverse the charges. To this day the money has not been returned. His bank is trying to get the money back for him. Not sure they will be successful. My son also said that his credit card was hacked and there were several pending purchases on the card. The credit card company is investigating this for him. I hope that he won't be responsible for payment on the fraudulent purchases. I told him he should set up a Paypal account and have the purchase go through them with both his card and his checking account. They do help with getting money back on fraudulent purchases. So, I urge everyone to be very careful when making online purchases. Check to see if they are reputable vendors before you go ahead and make the purchase.
24 people like this
25 responses
@JustBhem (22515)
• Davao, Philippines
3 Dec
Sad to hear this, I hope he can get his money back. That is very bad. Sometimes we need to be careful buying online, you know Christmas is coming to a lot of bad people hovering these days.
4 people like this
• United States
3 Dec
I know that he isn't the only one to fall prey to these sneaky devils. I hope that he can get his money back. He is the only one working because he and his wife are expecting their first child at the end of this month.
1 person likes this
@JustBhem (22515)
• Davao, Philippines
3 Dec
@ElusiveButterfly Sorry to hear this, I hope he will find ways to have it back.
1 person likes this
@Platespinner (18538)
• Winston Salem, North Carolina
3 Dec
I have one card I use for online payment, though mostly I use PayPal. My online card has been compromised 5 times in the past 7 years. Thankfully the card company caught it the first day each time and didn't hold me responsible for the charges
2 people like this
• United States
3 Dec
I only shop online when I can't find something in a brick and mortar store that I have been looking for.
2 people like this
• Winston Salem, North Carolina
3 Dec
@ElusiveButterfly I do a fair amount of shopping online since it saves me a lot of time running hither and yon. Most of the stuff I purchase, however, are items that would be difficult to source locally anyhow.
3 people like this
• United States
3 Dec
@Platespinner there are things that I would like to buy online, but fear that I will be disappointed in the quality or fit.
2 people like this
@cahaya1983 (9643)
• Malaysia
3 Dec
Oh no...5 times more? That's awful! I hope the credit card company would resolve the issue very soon and he gets his money back.
2 people like this
• United States
3 Dec
I hope they can resolve it soon for them. They just bought a car and home, toss in the rest of the household bills and they are strapped.
1 person likes this
@DianneN (59528)
• United States
3 Dec
Yikes! How awful for your son. That must be so time consuming and frustrating.
1 person likes this
• United States
3 Dec
He isn't a happy camper at the moment.
1 person likes this
@DianneN (59528)
• United States
3 Dec
@ElusiveButterfly I can imagine. My credit card covers all fraudulent activities.
1 person likes this
• United States
4 Dec
@DianneN his credit card company should do the same. We will find out on Monday what is happening with the bank.
1 person likes this
@fishtiger58 (30716)
• Momence, Illinois
4 Dec
I have a paypal account and I also pay a tiny bit every month on one of my credit cards for wallet protection. This covers all the credit cards I have.
1 person likes this
• United States
5 Dec
My husband just got a card and I told him to be very careful where he spends the money from that.
1 person likes this
@fishtiger58 (30716)
• Momence, Illinois
7 Dec
@ElusiveButterfly The bad guys also have a device where they can stand several feet away from you, push a button and get your credit card number. That's why they now have RFID wallets to protect you from that kind of theft.
1 person likes this
• United States
9 Dec
@fishtiger58 oh I have heard of those as well.
1 person likes this
@NJChicaa (29716)
• United States
3 Dec
That's why I always use a credit card NOT a debit card when I buy stuff online.
1 person likes this
• United States
3 Dec
He has a credit card that was hit pretty bad and keeps on getting hit. Surprised that the company didn't freeze the card.
1 person likes this
@NJChicaa (29716)
• United States
3 Dec
@ElusiveButterfly shame on that company. He can dispute all of he charges
1 person likes this
• United States
3 Dec
@NJChicaa I doubt he will ever get the item he ordered either.
1 person likes this
• Midland, Michigan
3 Dec
Good points. Usually when using credit cards if we claim we didn't make the said purchase they will automatically take the charges off.I'm surprised the credit card company hasn't already taken care of that part for him.
1 person likes this
• United States
3 Dec
I guess he is working on getting things turned around. However, the hits on his credit card keep piling up.
1 person likes this
• Midland, Michigan
4 Dec
@ElusiveButterfly If that's the case, maybe he should check into closing that one out and beginning fresh. He may also want to purchase prepaid credit cards for online purchases. Or use a paypal card as was suggested by another person.
1 person likes this
• United States
5 Dec
@MarshaMusselman one of his friends told him about PayPal credit and I do believe he is looking into getting one of their cards.
1 person likes this
@Susan2015 (18698)
• United States
3 Dec
Sorry that happened to him. His credit card should be protected so he shouldn't have to pay the disputed amount. And most of the banks will put the disputed money back in. He just has to fill out a report.
1 person likes this
• United States
3 Dec
I hope it works out for him. They are expecting their first child at the end of this month.
2 people like this
@Susan2015 (18698)
• United States
3 Dec
@ElusiveButterfly It should all work out. Most credit card companies and banks are good at finding out that it's not the innocent's person's fault.
1 person likes this
• United States
3 Dec
@Susan2015 I hope so for their sake. They can't afford to lose so much money.
1 person likes this
@Happy2BeMe (69827)
• Canada
3 Dec
Sorry that happened to your son. I hope it all works out for him and that he gets his money back. I only use paypal when I shop online.
1 person likes this
• United States
3 Dec
I have made many purchase through them this year. Glad that I have too. Makes the process so much easier too. Just ordered a bunch of photos for gifts. Hopefully they will come out to my liking. Some were a bit on the expensive side. However, I got 50% off the cost and also will get 15% back from Ebates.
2 people like this
@Happy2BeMe (69827)
• Canada
3 Dec
@ElusiveButterfly great deals. I keep forgetting to use Ebates.
1 person likes this
• United States
3 Dec
@Happy2BeMe I usually start there and if I forget I back out of the site I am ordering from and go to Ebates and open the site.
1 person likes this
• Philippines
4 Dec
sorry to hear that. maybe youre son can report this to the police as well. a lot of scammers online theyre spread now.
1 person likes this
• United States
5 Dec
I doubt our local police could do anything about it. The banks will go after them and hopefully put them out of business.
1 person likes this
• Philippines
5 Dec
@ElusiveButterfly cross finger on this
1 person likes this
@celticeagle (114599)
• Boise, Idaho
3 Dec
My bank got some money back for me recently. Some company debited my account. I didn't know anything about them, nor did any family members. My bank got all the money back. Thank goodness. I had to cancel my debit card. The bank got a new one to me in two days. I was amazed. Hope your son gets all this settled quickly. I think some banks are better than others. THis could be a wake up call for him.
1 person likes this
• United States
4 Dec
I am going to have a talk with him about ordering from companies without checking their rating first.
@celticeagle (114599)
• Boise, Idaho
4 Dec
@ElusiveButterfly .......That's always a good idea.
1 person likes this
@Corbin5 (81725)
• United States
3 Dec
Oh, I am so sorry this happened to your son. The advice about using reputable vendors is great advice for us all.
1 person likes this
@Corbin5 (81725)
• United States
4 Dec
@ElusiveButterfly So glad you check the companies. Such great advice you have given us all.
1 person likes this
@redurnet (961)
• United Kingdom
5 Dec
I have been a victim of fraud and so has my sister. My sister's situation was similar to your son. It was difficult but she did eventually get the money back. I might be a bit dim but in cases where this happens I don't understand why it's so difficult to seemingly trace where money has been transferred and just get it back for victims. I'm very scared every time I make a purchase online now.
1 person likes this
• United States
5 Dec
I told my son to be very aware of any purchases he makes online. When something sounds too good to be true, it usually is.
1 person likes this
@GardenGerty (91055)
• Marion, Kansas
4 Dec
Hubby ordered a "free watch" for shipping. Either he did not read the fine print or they are very convincing. He saw the second charge when it came through, had the bank close his card. After investigating, the bank said that the vendor or company said he signed the terms which means they cannot get the money back. Grr. Nothing free online, but he does this every once in a while.
1 person likes this
• United States
5 Dec
My husband did this many years ago. Ordered magazines that cost him an arm and a leg. We weren't together at the time he ordered these. They kept withdrawing money from his account even though he cancelled the order. Had to close the account and start fresh.
@tzwrites (3807)
• Romania
4 Dec
Sorry to hear he got hacked. Hopefully the bank will be able to help him out.
1 person likes this
• United States
5 Dec
I have yet to hear from my son for an update on this. I hope that he gets his money back soon.
@dpk262006 (54785)
• Delhi, India
4 Dec
We are sorry to hear about the incident. It was unfair on the part of online website to charge five times higher. I think you could mention the name of the website here, so that others could remain alert.
1 person likes this
• United States
5 Dec
I'll have to ask my son for that information.
1 person likes this
@cherriefic (4283)
• Baguio, Philippines
4 Dec
The bank should cover fraudulent transactions and give back his money.
1 person likes this
• United States
5 Dec
I hope they do this for him.
@JudyEv (101136)
• Bunbury, Australia
4 Dec
That is such a shame. Our bank has been on the ball and rung us a couple of times when they think a transaction might be dodgy but really that's been when we're in a different country and have used the card. We use Paypal for most small online purchases now.
1 person likes this
• United States
5 Dec
I use PayPal for all of my online purchases. So far so good.
1 person likes this
@averygirl72 (14059)
• Philippines
3 Dec
This is really bad. There are so many scams and fraudulent activities now we should be careful. Hope he can figure out to solve this problem
1 person likes this
• United States
4 Dec
He has notified his credit card company and he is watching his accounts closely now.
1 person likes this
@Spassion (41)
3 Dec
Sorry to hear that. I think the bank should be able to get his money returned to him, since he didn't authorize that payment. Guess it might take some time to get this solved anyways.
1 person likes this
• United States
3 Dec
I hope it doesn't take too long. He has a family to support.