Welcome back, folks. It's time for another episode of Redditor's Are Financially Illiterate Morons. This week, we have a special treat for you. A direct sequel to our previous episode!
For those that missed Part I of our story, here's a recap:
A common tale. But our hero, /u/Pelthail, is no common r-slur. Which is why he's decided to double, triple, and yes, quadruple down.
Got scammed for $2,150 through a Zelle transfer and Wells Fargo says they won't help me out. Is there anything I can do?
After having already been scammed by some nameless, faceless stranger from halfway around the world, our hero has decided to ask some nameless, faceless strangers on Reddit for help. Surely none of them could be scammers.
Fortunately, despite being immediately contacted by a recovery scammer, our hero actually doesn't fall for it this time. He does, however, completely ignore the two comments telling him it's his own darn fault he got scammed in the first place.
I got scammed through Zelle for $2,150. Can anyone help me?
The scammer might have accidentally left a trace to his "business." I can give more details if anyone is able to help me out.
Good God, this absolute madman is now volunteering information without even being asked. Truly, his r-sluration knows no bounds.
Again, our hero makes it out without being further scammed. Clearly, God has smiled upon him.
Bank Scam update
Wells Fargo has determined that there is not enough evidence to substantiate my fraud claims and therefore will not be assisting me in anyway. And on top of that, WF says I owe them $580 of the $2K+ that was stolen from my credit card.
And here it is. The twist all sequels need to justify their existence. Despite having given a scammer all his account info, he didn't cancel his fricking credit card!
It was a Zelle scam however the $580 he stole from the credit card, Wells Fargo says I'm on the hook for that too. I'm basically getting double scammed.
How did the scammer pull from your CC?
Okay, maybe not all is lost. Maybe, just maybe, OP can use his good standing and long history with the bank to make up for the fact that they have no reason to help some terminally r-slurred broke-butt b-word. After all, it's not like this is a frequent occurrence or anything, right? Right‽
They've handled my credit card fraud issues in the past. But this time it's from my checking out (my money, not theirs) and they're just brushing me away. They only really care if it's their money.
Between my wife and I, maybe 3 in total. And yes, a complete lapse in judgement. My wife's cc info got stolen just two months ago and so when I received the text asking me to confirm fraudulent activity on my account I immediately assumed it was real since I figured my info had been compromised as well.
FRICK! HE'S SO GODDARN STUPID! AND HE STILL CAN'T TAKE RESPONSIBILITY FOR HIS BULLSHIT!
I'm all for pooping on Wells Fargo but in this case I'm completely on Wells Fargo's side.
This wasn't a standard case of malicious link fraud. If you read the OP's history you'd know that he straight up gave his account info as well as the 2FA code over the phone to a scammer. As someone else mentioned the 2FA message should have even said "we'll never ask you for this code" and he still gave it to them.
If Wells Fargo gave the guy his money back after all of that, it would just open the flood gates for people to send their money somewhere and then claim "somebody got into my account, please compensate me for my stolen money".
The scenario that OP describes is so ridiculous to me that I wouldn't even be surprised if he was actually trying to scam Wells Fargo and these posts are just meant to help build a false narrative.
Yes "They will never call or text you for it", the difference is that you are calling them. So they send a code to your 2FA phone number. They don't ask for your login info.
If you talk with a scammer THAT CALLS YOU the only way they can send you that code is if they try to log into your account with your login info which you would have had to provide them... WHICH YOU DID and that in itself is mind boggling.
It's like if you have a safe in your house with a bunch of money in it and somebody shows up at your door and says "hey I'm with the safe company, I need the code to your safe to check on it" and you give it to them and then when they steal all your money you blame the safe company and demand they return your money.
Ridiculous.
Oh, and to cap it all off, he's been contacting media outlets. Unfortunately for him, the only journ*lists that care about this sort of thing are with the Marsey News Network.
But hey, I'm sure everything will work out for him at his new credit union. He definitely won't get scammed again in a few weeks. But if he does, we'll be here to mock him for it. So be sure to tune in next week. Same cat time, same cat channel.
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I can sorta understand giving your password over the phone. Mushbrained olds do it all the darn time.
But this r-slur actually gave out the 2FA code as well, at which point all sympathy goes out the window. The scammer should've taken more.
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Yeah 100% I get password but Jesus christ,
"okay I just sent you a security number to your phone, can you please say the number to confirm your identity"
"Yes it's the one that looks just like the number you get when you login and almost always contains warnings not to share with people"
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This guy has to literally be brain damaged, no rational human being is so stupid. He literally can't keep track of how many times his CC got compromised.
Maybe? How is this possible? At this point I'm ready to accept it's bait, just so I can calm down.
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You aren't allowed to include the times the wife does it in the count that's just padding the numbers, women don't know any better
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I kind of want to see what kind of nuclear r-slur offspring these two morons make
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I've had my credit card skimmed over 10x. I don't know exactly how many times. Interestingly since moving out of San Francisco it hasn't happened once.
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my parents have to replace their credit cards at least 2-3 times per year. I have no idea what is going on there, but they are meticulous about record keeping and the bank fraud protection has stopped any real harm from happening every time so fortunately it's no big deal.
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Almost every bank issues cards with that the touch pay these days, so its probably just they're passing by a dude with a reader in his pocket/bag who is getting close enough or they're buying too much shit with their cards from the shady Jeet gas stations.
Just buy them those RFID blocking wallets.
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Happened to me in Minnesota once. I was doing a contract at a public school system. There were high school kids around the building the day it happened. Wasn't too tough to put 2 and 2 together, especially because they just used the card at McDonalds and other dumb shit that high school kids would do with a stolen credit card. They finally did something dumb like try to spend $150 at walgreens or something and my bank shut the card off.
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Stop Amazon shopping on public wifi
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I think it's from gas stations honestly
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Its almost always the Jeet stations.
They get a kickback from their cousin's cousin who installs it on the card-reader.
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I had a roommate take out $5000 in cash and Western Union transfer it to Nigeria and she still threatened to sue the bank when the fraudulent check that "gave her the money" bounced.
The r-slurs are out there, among us always
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Can confirm; had a group of acquaintances where 3/5 of them fell for the check cashing scam.
"Yeah dude so all you have to do is deposit this 5,000 check and then take out 800 and pay this dude i work with and you get to KEEP the MONEY!!!"
i cannot even begin to exaggerate how many fricking times i told them it was a scam and that they were going to be in 5k debt not 4.2 up; same day their bank flags their accounts and they all see negatives and in the amazing groupthink finally figure out "woah! Maybe cracker felon at my construction job is NOT legit"
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Wanna know the two who didn't?
Surprisingly women
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They can smell the scam.
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Honestly they're lucky they're not complicit in money laundering at that point if they're doing this for people they met in person.
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Yeah it was probably 6 years ago so idk how crazy it was back then but they just kinda suffered the loss with their tails between their legs.
Only 1 person affected by the situation actually came out alright; everyone else either crashed or burned out in the long run with further stupid decisions.
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!effortposters
A write-up on an r-slur who has been scammed multiple times.
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Good update from a few weeks back. He has done nothing other than take continued Ls, it appears.
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these ""people"" are allowed to vote and have children. lol lmao
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lmbo even
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He has two children already. And he's white. It's over.
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I would support him being reimbursed for this on the condition that he, his wife, and his entire lineage be forever barred from voting.
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I read this six times and i still have no idea what he means
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his wife got scammed, so 2 months later when scammers contacted him again with a "pls confirm u r being scammed" scam he fell for it immediately and got scammed again
i sincerely hope he hasn't and won't reproduce, because
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That is so unbelievably hilarious that it must be true.
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This guy gets scammed so often that when some dude sent him a scam text about stopping an in progress scam he thought it was real
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The hype for crypto from people calling it the future of finance always surprises me when I remember people like this outnumber you 100 to 1. Imagine them trying to navigate metamask and exchanges
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Lol, redditors
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for a poorcel thats a lot pf money
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Pop Funko?
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Why you could buy one pretty good cow for that kind of money!
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But he's already a nice lolcow
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Oh my God lmfao, how did he even fall for that? This guy is beyond redacted
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So that's a good excuse for banks, but when a pharmaceutical company gets hit with fines 200x bigger than that you're required to take their shit anyway or you're a nazi
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I hate these poors
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Some people just shouldn't be allowed online banking
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I want to believe this because I dont want to believe someone is that stupid but runs a small business and has a family and has been scammed before multiple times.
LIke at that point you need custodialship if you're that r-slurred with your money.
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I knew a small business owner that got hit with the "we're the utility company, send us visa gift cards" scam they're still in business
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Redditor cannot comprehend that someone might not be r-slurred enough to fall for these scams.
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Snapshots:
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/u/Pelthail:
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Got scammed for $2,150 through a Zelle transfer and Wells Fargo says they won't help me out. Is there anything I can do?:
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Surely none of them could be scammers.:
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two:
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comments:
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I got scammed through Zelle for $2,150. Can anyone help me?:
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Bank Scam update:
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he didn't cancel his fricking credit card!:
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You've had (multiple?) credit card fraud issues in the past, and now you're giving away your online bank information to complete strangers?:
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AND HE STILL CAN'T TAKE RESPONSIBILITY FOR HIS BULLSHIT!:
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he's been contacting media outlets.:
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his new credit union.:
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I really want to know what this guy does for a living. Literally McDonald's? Can he handle watching more than one french fry timer at a time?
"Just tell the FDIC you gave your password to Sexy Indian dude. It's insurance!"
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Thinking the bank should give you your money back if someone else takes it is about the same as thinking that the government should give you a new bike if your bike gets stolen. It's the way a child would think about things.
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When you make a withdrawal pretending to be a customer, the bank is the one getting scammed. When they want to shift the burden to the real customer, they're the ones trying to get their money back. Hence why they can't do that unless the customer was an r-slur.
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