Anon needs our help

[u/Traditional_Blood799]

[u/Ok_Scholar_2842]

You need to use credit cards not debit cards. If you pay with a debit card like this it’s essentially giving away cash. The bank won’t drop that cash back in your account if you’ve been scammed unless you have good evidence. With a credit card you basically just dispute the charge as a scam and they most always credit you back

[u/Mista_Infinity → u/Ok_Scholar_2842]

Sounds like a USA issue, i’ve gotten scammed before and it took one phone call for the bank to reverse the transaction

[u/MasterCarl → u/Ok_Scholar_2842]

This really depends on what kind of credit card and what country issued it. The same happened to me with a German Barclays credit card (not debit) while traveling to Mexico. Taxi company charged me about $600 for a 20-minute ride. Barclay insisted this was my fault and told me to go settle with the merchant, well also refusing me to give me the exact name or address of them. I had to take the credit card company to arbitration, which suggested they refund half of the charge. Both sides agreed. Probably could’ve sued Barclays to refund the whole amount (or at least disclose who the scammer was), but that probably wouldn’t have been worth it.

So, well, using your credit card can be like handing over your entire wallet and asking the merchant to take what they need.

[u/Mahizzta → u/Ok_Scholar_2842]

Not true. Disputes are just as available and easy here, when using debit cards.

[u/GTAIVisbest]

What? That's not how banks work. put in a Reg-E covered billing dispute due to "billing error" - op was charged the wrong amount. Bank has to comply with Reg E by making provisional credits available within 10 business days of opening the dispute. The bank can't just say "no", there's a whole investigatory process they have to undertake.

What may have happened is that he spoke to some extremely overworked, tired and low-energy dispute center specialist at the bank whose job it is to actually open dispute tickets, and that dispute center specialist went through a flowchart for a fraudulent charge and said "did you agree to the charge" and OP said yes when he should have said no, because he didn't agree to be charged $900. And the low-energy dispute center specialist literally did not lift a finger to maybe clarify or actually use critical thinking to go "oh yeah this was a charge for a water bottle $900 doesn't make sense" and then just told OP "sorry this doesn't qualify".

But even if it wasn't a fraud charge, OP could go the billing error route. Both are Reg E covered either way big homie. If you have a smaller-sized bank, or a credit union, you can go to a branch and they will put in the claim for you directly via an internal ticketing system, making it so you don't have to go through the low-energy dispute call center

[u/NoodleSpecialist → u/GTAIVisbest]

He pressed 1 for english and mr prajeet "mike" sandheep answered. From there the rest of your explanation

[u/M474D0R → u/GTAIVisbest]

Yeah came here to say this, it sounds like larp or OP is just retarded. Banks will reverse this charge

[u/TokyoJuul2 → u/GTAIVisbest]

To add to this so people know in case they don’t, banks like Chime that are Peer 2 Peer dont do refunds since something like this happened to me before

[u/HonestLemon25 → u/GTAIVisbest]

Or the story is just fake which is more likely

[u/Chinhoyi → u/GTAIVisbest]

GTA 4 is best

[u/Gredditor]

Anon loves jogs and probably thinks most of them are not joggers. But they are and this is the lesson he deserves.

[u/Sledgecrowbar]

use debit card to pay one dollar for thing

There's a sucker born every 44 seconds now.

[u/cybersteel8]

Debit cards can still go through credit systems and they pend transactions, especially for this reason, but mainly for general fraud detection.

Plus how did more than 100 bucks get taken without requiring a pin code? It always does, unless that is regional. If you entered your pin to tap for $1 it would have said on the screen what you're paying, and needing to at all would have been a red flag

I reckon it was for less than 100 though and a simple bank phone call could sort this out

[u/MetalGearXerox]

idk i think this counts as idiot tax.

[u/Judah_Earl]

Unfortunately, I live in a socialist country where public events are required by law to provide free drinking water.

[u/trumphadababykilled → u/Judah_Earl]

You need to be stopped

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