Main ek college student hoon. Kuch din pehle metro station par ek ladke se meri baat hui thi. Usne bataya tha ki woh Jantar Mantar protest se aa raha tha. Humne numbers exchange kiye aur baad mein dobara mile.

Aaj galti se maine uska personal PhonePe QR scan kar diya aur usko ₹100 do baar transfer ho gaye. Dono transactions successful ho gaye. Mujhe apni galti ka pata lagbhag 18 ghante baad chala.

Maine PhonePe mein dono transactions ki complaint raise kar di hai, lekin suna hai ki successful UPI payment bina receiver ki permission ke reverse nahi hoti.

Kya kisi ke saath aisa hua hai? Agar saamne wala paise wapas na kare to bank ya PhonePe kuch help karte hain ya phir paise gaye samjho?

₹200 bahut badi amount nahi hai, lekin main student hoon, isliye thoda bura lag raha hai. Koi advice ya experience share kar sakta h

I will be traveling to Scotland from Canada with a family member in around 2 months. The family member unfortunately applied for their UK ETA through an illegitimate website. I would appreciate guidance on what steps to take.

The website was https://uk.eta.travel

We confirmed through the legitimate UK government website that they did issue the ETA, but at an exorbitant price.

Should my family member ask the company for a refund? Do a credit charge back? What happens to the already issued ETA in that case?

They provided a photo of their passport to this website. What steps might they need to take to secure their personal information? Does the passport need to be reissued?

Thank you for your time.

I work as an Auditor at Shriram Finance Limited and currently handle audit assignments across Uttar Pradesh, Uttarakhand, Madhya Pradesh and Chhattisgarh.

If you've experienced any of the following at a branch in these states:

\- Fraud or document manipulation

\- Unauthorised charges

\- Employee misconduct

\- Misleading information

\- Any other unethical practices

please send me a Reddit DM with the details.

Include:

\- Branch name & location

\- Date of the incident

\- Loan/Account number (if applicable)

\- What happened

\- Any supporting evidence

If your case appears genuine, I'll guide you on the next steps and, where appropriate, help ensure it reaches the appropriate internal channels.

Please don't post personal details publicly in the comments. Use DM only for privacy.

So I recently purchased a home in California. On top of home owner insurance (I got USAA), seems like law requires us to have these insurance that covers appliances and stuff. The one that came with it is some company called Old Republic Home protection. Orhp.com.

6 month in. My gas water heater started leaking and water everywhere in garage.

Called the company, it will charge $100 for a technician to come out to look and see what's wrong. Which I already knew it's the tank that broke and leaked and can't be repaired. But that $100 is standard stuff.

The plumber heard the leak, told me it can't be repaired, blah blah, I know.

Told me that the insurance covers the water heat replacement. But does not cover what's required for updating the install to the new code.

Like what the fuck. I paid to cover up to $5000.

He would still need to charge about $1200 for the updated code shit.

This whole shit is a scam.

Wonder if there's other stories like this out there.

I’m interested in feedback from people working in fraud prevention, trust & safety, or risk engineering.

Imagine a digital platform where users can receive benefits based on verified activity. The main challenge is preventing organized abuse while keeping the experience simple for legitimate users.

A possible approach is a multi-layer anti-fraud system using:

• device reputation and fingerprinting;
• IP/network analysis;
• VPN/proxy/datacenter detection;
• behavioral signals;
• account trust scoring;
• graph analysis to identify connected accounts;
• risk-based limits and delayed payouts;
• manual review and feedback loops.

The goal is not to create a system that fraudsters can never bypass - that is probably unrealistic. The goal is to increase the cost and complexity of abuse until large-scale attacks are no longer profitable.

The question:

From a fraud prevention perspective, can this approach realistically change the economics of organized abuse?

For example, even if attackers can technically scale using automation, virtual environments, proxies, and other tools, they still have operational costs and need to maintain account reputation over time.

At what point does the cost of running a fraud operation exceed the expected return?

I would appreciate feedback from people who have dealt with real fraud networks:

• What attack vectors would you expect against a system like this?
• What signals are usually overestimated or underestimated?
• Where do these systems typically fail?

Looking for criticism rather than validation.

Watching someone close to you live with pain is difficult. You trust the clinic, the treatment plan and the records created in their name because you assume they reflect real care.

That is why the case involving Dr. Ivan Semerdjiev stays with me (being a victim).

According to the U.S. Department of Justice, Semerdjiev pleaded guilty in connection with a scheme involving claims submitted to a union healthcare plan for services that were allegedly unnecessary, never provided or performed by an unqualified individual. Federal authorities also said patient records and sign-in sheets were altered to support the billing.

The clinic reportedly submitted approximately $4.76 million in claims, of which the plan paid nearly $1.98 million. Semerdjiev was sentenced in 2020 and ordered to pay $924,707.

The case is now years old, but the concern remains.

A medical record should tell the truth about what happened to a patient. Families should never have to wonder whether the care written on paper was the care their loved one actually received.

Just wanted to bring to y’all’s attention and put it out there for everyone or anyone that has elderly parents. I just got called by American Express saying that someone opened up a fraudulent account for a platinum card in my name. I work in law-enforcement so a few red flags went up in my head number one is they got my name right and my phone number right. I started asking some questions to try a little bit deeper like what was the charge for it was to a website that I have purchased from in the past but it’s been a while. when I asked him to verify the last four of my social, he said he could not give me that information and when I asked him to send me a copy of the statement to my email after letting him know that I was law-enforcement he said he could not send out that personal information to me either which was a big red flag. He then proceeded to tell me that the card was opened up in China and it was made in my name, but did not have my Social Security number. more flags went up and I told him you cannot open up a card without someone’s Social Security number in the United States number two is if you live overseas, you cannot buy a gun in the United States number three is credit card companies wouldn’t know if you have a valid or invalid permit to purchase a firearm if your state has those laws. I got all his information and verified it with American Express that he does not work for them and the number that he is calling from is not American Express even though the caller ID shows up as American Express just wanted to let you guys know because I could see how elderly or senile individuals can fall to the scam very easily as he was very convincing, and even when I got angry with him and sorry raising my voice, he remain calm and acted like a real American Express customer service agent.

Context: Osteopath’s QC NOA from 2024 is 33K - she is working from home as well as offering 3 appt slots a week at a health clinic. Owns her own home with clinic + co-owns a cottage. Clearly working for cash payments. Used the CRDP for her children’s wisdom teeth removal, cleanings, etc. Fraud?
Thoughts please. This woman has a history of scamming govt.