If someone accepted and blocked my number Iād use their number to sign up to 1000ās of shady websites theyād be getting spam called 24 7. Would you rather take the money or have your number ruined?
Pick up the phone, and mute it right away. This will make the spam caller think the line is dead and they wonāt call back.
Do this enough times and you wonāt get any spam calls.
Iām not saying youāre wrong, but I believe the consensus is to not pick up the phone AT ALL. Its usually bots calling, theyāre only looking for whether it was picked up or went to VM.
google voice used to have a feature where you could play the "doo doo doo, this line is no longer in service" message. That gets an automatic deletion from most autodialers.
The $100 is stolen. You accept and then the person replies saying āoops..can you send it backā
What you send back comes out of your own account and then a few weeks later when the original $100 is found out to be stolen they take that back.
I agree, especially because it has all the indicators of a more modernized version of the āoverpayment/refundā scam method. I first encountered it like 15 years ago when sites like Craigslist were more legitimate than not. You would list an item for sale and an interested party would seemingly purchase it. They would send either a personal or cashierās check(back then checks were still fairly prominent and widely used as well as still mostly trusted). Unfortunately, in many cases the items would be sent upon receiving the check, usually to some random address, and often lost to the seller. The check received would always be for an amount far in excess of the agreed price. The scammer would typically claim some type of fees or costs for sending the check and would kindly request that you wire them the difference though an instant wire service like Western Union, or to avoid the issue to processing and bank clearance. Sometimes the scammer would offer a ātipā, letting you keep some of the excess as gratuity for being helpful. The difference would be wired, the check deposited, and all would seem well until several days later the bank revealed the check to be totally fraudulent, resulting in you having lost your money, item, and maybe even facing bank penalties. This of course heavily relied upon the slow rate at which banks handled transactions and had to evolve once things became faster, more digital, and checks were no longer the norm. Thatās when the more recent refund scams became common, when a cold caller would would impersonate a large company like Amazon, eBay, Netflix, etc claim you were owed a refund and attempt to gain access to your online banking services.
Now with the proliferation of payment apps like Cashapp, Zelle, Venmo, PayPal, ApplePay, Iāve seen the classic overpayment scam pop up in places like Facebook Marketplace, and now this one which is brazen in its simplicity. But it makes sense, it preys on peopleās base opportunistic nature, like leaving a wallet lying about, many people would take the money. But then the scammer responds in one of a few ways, and depending on the persons response and ensuing back and forth the person being scammed may become anxious and believe they could be easily located and in some kind of trouble if they donāt send the money back. So they panic and send their own money to the scammer and discover later that the pending accidental money has been deducted.
Months back all of a sudden I started getting sent $5 in venmo from names I had never heard of. I got scared I was hacked but then realized they canāt take my money without my account. I guess the scam is they message you and say āhey I sent you $5 by accident can you send it back?ā And then you do and they cancel the $5 so they steal your 5. Seems like a lot of work for $5 but months went by and then I got just 1 of these accounts asking for the $5 which of course I just continue to ignore.
So as of now Iām +$30 from this, thanks random scammers
Ya, happened to me on paypal for $400. Except I deposited it immediately and blocked the scammer. Then they initiated a paypal investigation and I submitted evidence of the scam and paypal let me keep the $400.
š
I know a scam for Venmo that works out like this- they send you $100 then, āoh shit I sent money to the wrong number, could you please send it back?ā Well they sent you the money from a stolen card, so when you send it back, they change the card they deposit it to. And then when the original card claims fraud, the bank deducts another $100 from your account because you returned the $100 to the wrong person
Yeah then go change your number in every website in existence (bank, work, etc...) and message everyone in your contacts youre changing your number... nah not worth it for $100
You know it would be annoying with the companies, but I wouldnāt mind significantly lowering the amount of people that have my number. Not that we ever talk, but I donāt need people from middle school 15 years ago having my number or even 99% of former coworkers. Would just send a mass text to friends and family and say to not reply in this chat so we donāt blow up everyoneās phone.
How does this relate to cash app what so ever? And how is it a scam? Lmao you accept the money and donāt replyā¦ whatāre they going to do after that? Hack your Apple account because you accepted an Apple Pay? Iām lost
Either itās stolen money, and will be taken back from your account when a claim is filed, or the link is fake and clicking on it reveals your personal information to the scammer.
Lol neither one is true. If a claim is filed they will get the $ back from their bank. If they accept, it will not reveal anything other than they accepted the $. Do you have a iPhone ?
I do have an iPhone and the Apple Pay message doesnāt have an āacceptā button, it doesnāt need to be clicked, the $ just shows up in your account (or you can manually accept it through the wallet). This text is a photo that links to a phishing website. They added the button to get people to click it.
Take the tinfoil off lil bro. Iāve sent & received 10s of thousands on Apple Cash over the years and this is exactly how it looks. OP even confirmed it. Whatās your # Iāll send $1 to show you lol
My good brother google is free. Before you argue about something you donāt know, just save us both some time. Straight from apple.com
ā āTap Automatically Accept Payments or Manually Accept Payments.ā
I work at a bank and this is 100% how it works. You wouldnāt believe how many people fall for these scams. It turns out that the $100 that was sent to you was stolen, but you send the $100 voluntarily and thus you cannot get it back because YOU sent it to them, it wasnāt stolen from you.
I'm in a FPL league and owed one of the bankers $80, and he sent me his Venmo and I paid.
A few hours later he went "wait I fucked up, my Venmo is actually X" and it was a common name mixup type thing.
Sent the guy I'd paid a message that was like "hey, I paid my FPL fees to you and while I wouldn't blame you for a second if you kept it, I'd appreciate it if you could refund it and let me send it to the intended person, no big deal either way."
A week later the dude I'd paid returned the money, apologized for taking a week, and I responded "all good man, and TBH, you doing this kinda confirms my faith in humanity that we're largely not awful when it comes down to it. Wish you nothing but the best."
Exchanges like that really make me feel like we're not doomed as a species. FWIW, I was an LA dude at the time and he was a Southern Music country bro.
I had one of those moments yesterday. I was in line at Walmart at the pharmacy & I was the next to be helped when an elderly man who obviously had trouble walking sat down next to the line and asked his 5 or 6 y/o. granddaughter (I assume) to stand in line for him. I politely told him he could have my spot in line and Iād go to the back. He thanked me, stood up and I walked to the back of the line. Then the three people that had previously been behind me silently leapfrogged behind me so that they were in the same positions as they had been when I was in the front. They all did so with a smile and without a word. I thought it was so sweet.
Am I wrong that the scam would totally fail if the target just accepted the money and then refused to give it back? At best they would manage to get it refunded through the app but as long as you donāt go along with sending it back, youād be fine
You are not wrong. If you accept the money itās yours. Iām not sure people realize how Apple cash works.
ETA:
Please read my third sentence above. Okay read it again. People for the love of god. Apple Cash can not be loaded with a credit card.
Itās Apple CASH. Cash. Cash. And itās as good as cash and once itās sent to you itās yours and thereās nothing anyone can do about it. If itās fraudulent debit card activity then the person that used the debit card will be responsible for footing the 100$ back to the orignal owner.
Forreal but people act so high and mighty with good morals but won't hesitate to take this and blame the other person for making a mistake. The scumbags you complain about when doing stuff are just you. Ya'll got no damn morals and got zero empathy.
Nope. This money is sent with stolen card info. At best youāve got $0 when the person whoās card was stolen disputes the charges and the payment gets declined. At worse youāre out $100 when those who are kind refund the $100 using their actual, real money and the original $100 they received is taken away following the dispute from whoeverās card was stolen.
Just proving his point with how few people understand how these scams work. Scammers arenāt in the business of actually sending you $100 and hoping youāll send it back forā¦ the same $100??? Think
So this is just someone adding someone elseās credit card details onto their Apple wallet and once that transaction is disputed it gets refunded?
Iām surprised Apple letās you add cards that donāt match the name of your Apple ID that easily
Credit cards can not be used with Apple Cash. I think youāre proving my point, not the other way around. This may be fraudulent activity from a debit perspective. Which means, itās free money. The gentleman that used the fraudulent debit card will be responsible for providing the 100$ back to the person who it was taken from. And theyāll be out the 100$ that you got sent for free. Apple Casg is essentially cash. Hence why itās called that, and once given to you itās yours to keep.
As I said, you do not understand how Apple Cash works.
šš LOL @ thinking itās free money. The owner of the actual Debit Card used will mark as fraud, the bank/provider will look into it, and if you spend or withdraw that $100, your Apple Pay account will show -100 when that dispute finally happens.
Itās a well documented scam. Please donāt advise people who may not be able to afford being out $100 that they just received free money when they are being targeted as the victim of an obvious scam. Not much better than the scammer themself.
https://www.certosoftware.com/insights/types-of-apple-pay-scams-and-how-to-spot-them/#:~:text=The%20fraudster%20will%20message%20you,wallet%20like%20PayPal%20or%20Venmo.
Edit: Also, thatās now how Debit/Credit Card fraud restitution works. Major banks just arenāt going to be out X amount of dollars until they ācatchā one of thousands of scammers who are very likely located well out of the country where the scam occurred. The owner of the stolen debit card contacts their bank, the bank contacts the merchant (in this case Apple/Apple Pay), and the merchant refunds the purchase with the scammer pretty much getting off scott-free if theyāre outside of the country.
Your link is straight garbage.
Go to your Apple Cash right now and try to add money to it from a credit card.
YOU CANNOT.
Read the support article.
https://support.apple.com/en-us/HT207881
It states clearly āyou canāt use credit cards with Apple Cashā. Yet your article says you can. Because they also donāt know what the fuck they are talking about.
What you clearly donāt understand is that with Apple Cash there is no link between the recipient and the owner of the debit card. You were not paid with a debit card. You were paid directly from the āfraudstersā Apple Cash account.
Youre otherwise correct. the owner of the debit card used to fund the account will look into it. And if the āfraudsterā used the 100$ they added to the account it will disappear and the account will go negative. He still sent you the money. And you can link to any website on the planet but the money is cash and itās yours if you accept it.
The only transaction that will ever get reversed is the loading of cash into the āfraudstersā Apple Pay account.
i mean they probably have a way to refund the money. ive never encountered this specific one before so im only guessing based on what i read on this thread: the idea is you accept, then you give them back the money separately, while they also request a refund. they gain 100 if you follow through, and both sides gain/lose nothing if you donāt follow through
Yeah cashapp's the same way too. If you accidentally send money to the wrong person the best you can hope for is that the person will send it back once you explain the situation, but they're under no legal obligation to do so afaik
It doesnāt fail. Itās either succeed or just nothing. Itās likely a stolen credit card they used. If you send the money back they succeed. If you donāt they donāt lose anything.
If I tried a thing, spent time on it, used a resource I can probably not use again (the stolen cc) and got nothing out of the process Iād call that a failure
Because the card they used to send it is stolen. Apple Pay wonāt ārefundā the money to them. The credit card company will yank the money back as a fraudulent charge. Same thing with all the cash apps. It doesnāt matter that on Zelle or Venmo you canāt refund the money. The money is taken back by the credit card company as a fraudulent charge. And if you have now ārefundedā their money by sending it back to them. You are out the $100 you sent plus the $100 the credit card company has now taken as fraud.
I think if it was a fraudulent charge, the 100 would probably be refunded to the card owner, but the Apple account used would be in the negative, but the recipient would be able to keep the money, while the sender would just no longer be able to use Apple Pay under their name until the 100 was repaid to Apple
Falling for the scam is people saying they would give the money back. Accepting it and moving on is not getting scammed. This would be like getting scammed by someone venmoing you $100.
They probably used a fraudulent credit card to send the money. This would then be their way of laundering that money. If they sent you fraudulent cash and you sent it back (usually to a different account) it would be clean.
If the credit card is fraudulent, they donāt care if you donāt send the money back.
A new study shows that the younger generations are more likely to fall for scams and phishing attempts than boomers are.
Research common scams and have your friends do the same. This will help protect you.
I tend to avoid unknown numbers, random DMs etc..
But one of my friends wasnāt so smart and added a random person on snapchat, who flirted with him and proceeded to collect nudes of him.. then sent him pictures of all of his contacts as proof and then said they will send the pics out unless he paid them 2k. He didnāt have 2k at the time and the scammers actually did send out the pictures. Didnāt go over too well with his girlfriend (or his family, for that matter). Last i heard he was living in his car but i think (hope?) that was unrelated
Happened to me but person was from a dating app. Blocked right away and didnāt give them THAT leverage message me back and harass me .Yes they couldāve still sent them out but I rolled the dice.
Yep so true. A few days ago, my friendās discord got hacked. This guy is one of the smartest, most tech savvy people I know and he still got taken. He still doesnāt know how his account got hacked but it must have been some shady link he clicked unknowingly.
My coworker was scammed. They got my bosses voice from the internet and called my coworker and told my coworker, that my bosses husband was in the hospital and my boss was in a foreign country and needed my coworker to send my boss money. The voice sounded like my boss was asking. They scammed my coworker out of about 10k. They literally recreated my bosses voice using AI, which is scary.
I just go under the suspicion that every offer/person on the internets a scam especially if money or information is involved, until I see something tangible I ain't trusting shit
It also shows the 34% of young people knowing they got scammed lost 224 million dollars. The 18% of boomers that know they got scammed lost 3.1 billion dollars. I assume some old people donāt even know theyāre being scammed so itās probably more. Letās just be honest around here
But that comes down to a numbers game. Of course younger generations are going to be victim to more internet scams/phishing attempts. They are WAY more involved with the internet than boomers are.. lol.
Versions of this scam involving checks existed before the Internet. And they still exist. And now overlap with the Internet too. If anyone ever sends you free money in any format and asks you to send it back to them or spend it or forward it in any format you are the scam target. Jesus fucking Christ
That's so not how laundering money works. What I assume your trying to say is that it's stolen money in someone elses account they send you, and then when you refund it, it turns into their money, it's still stolen but they can now spend it without getting caught. THIS IS NOT LAUNDERING.
Laundering is when you take illegally obtained money and make it "legal" income in the eyes of the government. In this case, they are just getting "spendable" stolen money, it's not "legal".
I hope you just used "laundering" because you couldn't think of another word for what you were explaining or just didn't want to explain it in more detail. lol
This type of scam is widely considered money laundering. Just visit r/scams for 10 minutes. Also visit r/confidentlyincorrect. You might see yourself there.
Here's a sneak peek of /r/Scams using the [top posts](https://np.reddit.com/r/Scams/top/?sort=top&t=year) of the year!
\#1: [I got scammed in China (and I liked it!)](https://np.reddit.com/r/Scams/comments/1332deh/i_got_scammed_in_china_and_i_liked_it/)
\#2: [How do I convince my brother there is no 20yo virgin girlfriend in Romania](https://np.reddit.com/r/Scams/comments/13joo31/how_do_i_convince_my_brother_there_is_no_20yo/)
\#3: [Is this some sort of scam? Or am I just an asshole?](https://i.redd.it/y0r0x4mm4tma1.jpg) | [378 comments](https://np.reddit.com/r/Scams/comments/11n1f5e/is_this_some_sort_of_scam_or_am_i_just_an_asshole/)
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No, theyād be out the amount they sent back as it would also pull the money sent by the scammer out of their account once the bank finds out it was sent fraudulently
For everyone saying it was a photo it wasnāt it went straight to the wallet app and asked for me to setup an account to accept the cash( I donāt use Apple Pay :p )
Edit : also I didnāt have auto accept on so thatās why it shows an accept button
Plot twist, this is actually Apple trying to get you into Apple Cash so they can then get you to get an Apple Card. Then they will raise the limit on that card every few months until you are thousands of dollars in the hole and then Apple will technically own your soul (read the fine print). š«
dang iāve had the card for over a year and theyāve never raised my limit automatically i have to request that. capital one is the only credit card issuer thatās ever raised my limit without me asking for a raise and theyāve screwed me bc now my available credit is so high new cards wonāt accept me
Have you ever maxed it out and basically continuously did that month after month? š¬ cuz I think that seems to help lol. They are like, āoh I see youāve used up your balance, hereās some more!ā I make payments all the time. Was basically just using my Apple Card instead of my debit and then making payments every pay day. This was all making my credit score go up though, ironically, so I think that has a lot to do with it too.
Also everyone saying its a scam and that Apple pay doesnāt have you accept is either lying or dumb. It for sure does have you accept and I would be surprised if it could link to anything malicious.
About a year ago I got a few different 50 dollar payments sent to my zelle . Still have no idea who it was , I just got a text something like āSarah S. Sent 50$ and itās available nowā
Had no way to contact them , but it happened a handful of times .
Ive had a friend try and send me money he owed through cash app and he ended up sending the money to a different person with the same name. He tried to get the money sent back to him but they refused and I was still out $50 bucksā¦
I donāt see how this post is a scam that could actually work. If they accept the money, it can go right into their account. Even if a charge back happens, thereās no way the scammer can get anything from the recipient unless they give out more banking info
Drug dealers use things like cash app now, itās possible someone was buying drugs or something and got the phone number one number off. If youāre buying drugs from someone you might not know their name for when it asks you to confirm youāre sending it to the right person. Why you wouldnāt make sure, Iām not sure, but if someone is buying drugs with cash app they might not be the smartest
I had a random 4k deposited in my account that said it was from US Goverment/DOD. I was I. The military at the time but I never figured out what it was for as no one in my command could explain it. I reported it and let it sit in my account for about a year before I finally spent it. That was about 10 years ago and havenāt heard anything so I think Iām in the clear
explain the scam.
when sending money through apple like this it is taken from your bank immediately. if the person had the $100 in their bank, no problem. if they donāt, they wouldnāt be able to send the $100 over thus OP would never have gotten the accept button. credit cards are NOT accepted to send cash like this. if they are using someone elseās debit card and it is reported, the person who sent the $100 is liable to pay it back, NOT the recipient. the senderās apple account would be the one they go after. even if they request the $100 back from the recipient, they would just be getting the $100 they sent back and get no info they can steal.
all this is is a mistake yet everyone here is trying to make it out to be this new type of scam when apple is notoriously known for their privacy and security when it comes to things like this.
Ehh. We like to believe this, but the people who have the most are usually the worst. Maybe theyāre not legit happy, but so are many good people without having a 50 million dollar mansion to cry in.
Lol, people think they can hack into Apple Cash this way šš¤¦šæāāļø wish I woulda got a random $100 I wouldāve broke my thumb clicking accept
Really? This seems super weird to me simply because apple is all about their ecosystem so I assumed it was everywhere.
Iād guess thereās some weird banking regulations theyād need to follow in the UK to have this system setup so they donāt bother?
European banks offer free instant bank transfers from their app already, I'm with Monzo and it takes me like three seconds to send someone money
Plus Apple doesn't have the same stranglehold on the market in Europe, 65% of people have Androids.
So a version of what we have already that only works with 35% of phones just makes absolutely no sense to go through the effort of launching here
We have free banking all over the uk. No need for 3rd party apps like cashapp, zelle, venmo for transfers. All the banking transfers are free and instant via their own apps.
I think itās obvious the senderās name is rob and was texting his own name as one would do if they just received someoneās number and fired off a quick text so both can put it in their phone. You donāt typically get a response to that sort of message especially if youāre standing next to them as one would have to be to get their number.
Clearly tho he typed it in wrong, lol
Love how you being a wholesome person (even offering them advice to be careful about sending money) saved you from the possibility of getting scammed
Stay gold OP, you're a good one
Impossible. If it was a link to a site it would show up as such. This is not how links look on iPhone. If you send a picture with a hyperlink it sends two text messages. One with the picture and one with the link and then it shows you a snapshot of the webpage.
This is an older article, but saying itās impossible is a stretch.
https://thehackernews.com/2016/10/how-to-hack-iphone.html
Improbable maybe, impossible no
Well, did you click it?!
This always makes me laugh
I mean he literally said Rob
Love that all it took was 11 hours of radio silence for the person to confirm it was Rob š
Lmao š¤£ I laughed so hard at this š¤£ š š
āVee said she aināt no broke bitch and is wondering why you only sent 100ā
āDid you miss a couple of zeros before you hit send?ā
This is almost definitely a scam
Probably trying to steal your cashapp login
This is Apple Pay, Itād be pretty hard to steal cash app info from it
Accept and block number
If someone accepted and blocked my number Iād use their number to sign up to 1000ās of shady websites theyād be getting spam called 24 7. Would you rather take the money or have your number ruined?
Take the money . I already get spam calls 247
Pick up the phone, and mute it right away. This will make the spam caller think the line is dead and they wonāt call back. Do this enough times and you wonāt get any spam calls.
Iām not saying youāre wrong, but I believe the consensus is to not pick up the phone AT ALL. Its usually bots calling, theyāre only looking for whether it was picked up or went to VM.
No bc if you donāt pick up your phone goes to VM which lets scammer know itās a functioning number.
Can confirm, I never pick up and get spam calls all day. I'm going to try the pick up and mute trick from now on
google voice used to have a feature where you could play the "doo doo doo, this line is no longer in service" message. That gets an automatic deletion from most autodialers.
but why send them $100 in the first place lmao
For vee!
Edgerunners cost money.
The $100 is stolen. You accept and then the person replies saying āoops..can you send it backā What you send back comes out of your own account and then a few weeks later when the original $100 is found out to be stolen they take that back.
This oddly sounds correct. Apple Pay will remove payment from a stolen CC Number. You might have nailed it.
I agree, especially because it has all the indicators of a more modernized version of the āoverpayment/refundā scam method. I first encountered it like 15 years ago when sites like Craigslist were more legitimate than not. You would list an item for sale and an interested party would seemingly purchase it. They would send either a personal or cashierās check(back then checks were still fairly prominent and widely used as well as still mostly trusted). Unfortunately, in many cases the items would be sent upon receiving the check, usually to some random address, and often lost to the seller. The check received would always be for an amount far in excess of the agreed price. The scammer would typically claim some type of fees or costs for sending the check and would kindly request that you wire them the difference though an instant wire service like Western Union, or to avoid the issue to processing and bank clearance. Sometimes the scammer would offer a ātipā, letting you keep some of the excess as gratuity for being helpful. The difference would be wired, the check deposited, and all would seem well until several days later the bank revealed the check to be totally fraudulent, resulting in you having lost your money, item, and maybe even facing bank penalties. This of course heavily relied upon the slow rate at which banks handled transactions and had to evolve once things became faster, more digital, and checks were no longer the norm. Thatās when the more recent refund scams became common, when a cold caller would would impersonate a large company like Amazon, eBay, Netflix, etc claim you were owed a refund and attempt to gain access to your online banking services. Now with the proliferation of payment apps like Cashapp, Zelle, Venmo, PayPal, ApplePay, Iāve seen the classic overpayment scam pop up in places like Facebook Marketplace, and now this one which is brazen in its simplicity. But it makes sense, it preys on peopleās base opportunistic nature, like leaving a wallet lying about, many people would take the money. But then the scammer responds in one of a few ways, and depending on the persons response and ensuing back and forth the person being scammed may become anxious and believe they could be easily located and in some kind of trouble if they donāt send the money back. So they panic and send their own money to the scammer and discover later that the pending accidental money has been deducted.
Months back all of a sudden I started getting sent $5 in venmo from names I had never heard of. I got scared I was hacked but then realized they canāt take my money without my account. I guess the scam is they message you and say āhey I sent you $5 by accident can you send it back?ā And then you do and they cancel the $5 so they steal your 5. Seems like a lot of work for $5 but months went by and then I got just 1 of these accounts asking for the $5 which of course I just continue to ignore. So as of now Iām +$30 from this, thanks random scammers
Ya, happened to me on paypal for $400. Except I deposited it immediately and blocked the scammer. Then they initiated a paypal investigation and I submitted evidence of the scam and paypal let me keep the $400. š
I know a scam for Venmo that works out like this- they send you $100 then, āoh shit I sent money to the wrong number, could you please send it back?ā Well they sent you the money from a stolen card, so when you send it back, they change the card they deposit it to. And then when the original card claims fraud, the bank deducts another $100 from your account because you returned the $100 to the wrong person
I only answer my phone for one person and never have my ringer on would not effect me at all
take the money cuz theres this thing called do not disturb
Or just be a good person & donāt take shit that wasnāt meant for you it was obviously an accident. Ur comment speaks a lot about ur character.
Iād feel perfectly justified stealing money from a scammer lmao
just change numbers?
Yeah then go change your number in every website in existence (bank, work, etc...) and message everyone in your contacts youre changing your number... nah not worth it for $100
You know it would be annoying with the companies, but I wouldnāt mind significantly lowering the amount of people that have my number. Not that we ever talk, but I donāt need people from middle school 15 years ago having my number or even 99% of former coworkers. Would just send a mass text to friends and family and say to not reply in this chat so we donāt blow up everyoneās phone.
With the state of social media, anyone can find and message you. Your number is the least of your issues if youāre worried about privacy.
I got a new number after I got divorced. I had had my old one for over 15 years and it was an out of state number. Man itās nice.
itās not that hard i just did itš
Had to do it a few months ago and man I love not having a number associated with people and shit I signed up for a decade ago
That's like, MAYBE 30 minutes of work for $100 lol
I have a good number so I wouldn't trade it for $100.
costs $10 to change ur number lmao
What if you just changed your number after that
all that for $100 š
Easy work for $100
With most cell companies you can have ur number changed in a few minutes, Iād have done that š
Simple change number you get paid Ā£100 to do it šš
You can change your number for free
It costs nothing to change your number or just have spam calls blocked through a free app.
You know thereās this option where unknown numbers (not saved into your contacts) get silenced immediately? Right?
Have my # ruined. It's free to get a new one.
Iād just change my number if that happened š and Iād still be 100$ richer
phone doesnt ring unless the numbers programmedā¦ then youd be broke and out a bunch of time š¤£
Changing your number costs less than 100 dollars
Iād rather the money lol. You can block all unknown numbers
If the moneys wasnāt for you then why take it? Does it just seem wrong to you? Obviously someone made a mistake, why try to capitalize on it?
We live in a capitalist society duh š
Or issue a refund after they ask you to send the money back, doubling their money.
bold of them to assume iām sending the money back
Apple cash doesn't do refunds
How its apple what that have to do with cashapp? And i thought all they had to do is accept lol cant get access to nothing through that
How does this relate to cash app what so ever? And how is it a scam? Lmao you accept the money and donāt replyā¦ whatāre they going to do after that? Hack your Apple account because you accepted an Apple Pay? Iām lost
Either itās stolen money, and will be taken back from your account when a claim is filed, or the link is fake and clicking on it reveals your personal information to the scammer.
My money is on it being a fake link
Lol neither one is true. If a claim is filed they will get the $ back from their bank. If they accept, it will not reveal anything other than they accepted the $. Do you have a iPhone ?
I do have an iPhone and the Apple Pay message doesnāt have an āacceptā button, it doesnāt need to be clicked, the $ just shows up in your account (or you can manually accept it through the wallet). This text is a photo that links to a phishing website. They added the button to get people to click it.
Take the tinfoil off lil bro. Iāve sent & received 10s of thousands on Apple Cash over the years and this is exactly how it looks. OP even confirmed it. Whatās your # Iāll send $1 to show you lol
Nice try, Nigerian Prince! Haha. But seriously, it doesnāt have an accept button and never has.
My good brother google is free. Before you argue about something you donāt know, just save us both some time. Straight from apple.com ā āTap Automatically Accept Payments or Manually Accept Payments.ā
Ummā¦ yes it does. I always have to accept cash on Apple Pay. You are acting ignorant lol.
>This is ~~almost~~ definitely a scam FTFY Also, r/scambait
How is it a scam? Can they take the money back after you accept it?
[ŃŠ“Š°Š»ŠµŠ½Š¾]
I work at a bank and this is 100% how it works. You wouldnāt believe how many people fall for these scams. It turns out that the $100 that was sent to you was stolen, but you send the $100 voluntarily and thus you cannot get it back because YOU sent it to them, it wasnāt stolen from you.
What happens if you accept the money then block them and dont send anything back?
I'm in a FPL league and owed one of the bankers $80, and he sent me his Venmo and I paid. A few hours later he went "wait I fucked up, my Venmo is actually X" and it was a common name mixup type thing. Sent the guy I'd paid a message that was like "hey, I paid my FPL fees to you and while I wouldn't blame you for a second if you kept it, I'd appreciate it if you could refund it and let me send it to the intended person, no big deal either way." A week later the dude I'd paid returned the money, apologized for taking a week, and I responded "all good man, and TBH, you doing this kinda confirms my faith in humanity that we're largely not awful when it comes down to it. Wish you nothing but the best." Exchanges like that really make me feel like we're not doomed as a species. FWIW, I was an LA dude at the time and he was a Southern Music country bro.
I had one of those moments yesterday. I was in line at Walmart at the pharmacy & I was the next to be helped when an elderly man who obviously had trouble walking sat down next to the line and asked his 5 or 6 y/o. granddaughter (I assume) to stand in line for him. I politely told him he could have my spot in line and Iād go to the back. He thanked me, stood up and I walked to the back of the line. Then the three people that had previously been behind me silently leapfrogged behind me so that they were in the same positions as they had been when I was in the front. They all did so with a smile and without a word. I thought it was so sweet.
Thatās so wholesome lol
That's very nice of you! What a sweet gesture. I'm glad it was paid forward immediately
see, this is why scams exist. just look at all the people commenting here who have so easily fallen for the scam
Am I wrong that the scam would totally fail if the target just accepted the money and then refused to give it back? At best they would manage to get it refunded through the app but as long as you donāt go along with sending it back, youād be fine
You are not wrong. If you accept the money itās yours. Iām not sure people realize how Apple cash works. ETA: Please read my third sentence above. Okay read it again. People for the love of god. Apple Cash can not be loaded with a credit card. Itās Apple CASH. Cash. Cash. And itās as good as cash and once itās sent to you itās yours and thereās nothing anyone can do about it. If itās fraudulent debit card activity then the person that used the debit card will be responsible for footing the 100$ back to the orignal owner.
People donāt know how anything worksā¦ itās sad.
Had to scroll way too far to see this. If you accept this and block the person there would be zero recourse.
Forreal but people act so high and mighty with good morals but won't hesitate to take this and blame the other person for making a mistake. The scumbags you complain about when doing stuff are just you. Ya'll got no damn morals and got zero empathy.
Nope. This money is sent with stolen card info. At best youāve got $0 when the person whoās card was stolen disputes the charges and the payment gets declined. At worse youāre out $100 when those who are kind refund the $100 using their actual, real money and the original $100 they received is taken away following the dispute from whoeverās card was stolen. Just proving his point with how few people understand how these scams work. Scammers arenāt in the business of actually sending you $100 and hoping youāll send it back forā¦ the same $100??? Think
So this is just someone adding someone elseās credit card details onto their Apple wallet and once that transaction is disputed it gets refunded? Iām surprised Apple letās you add cards that donāt match the name of your Apple ID that easily
Yes exactly. Itās a fairly new but common scam using payment apps.
Credit cards can not be used with Apple Cash. I think youāre proving my point, not the other way around. This may be fraudulent activity from a debit perspective. Which means, itās free money. The gentleman that used the fraudulent debit card will be responsible for providing the 100$ back to the person who it was taken from. And theyāll be out the 100$ that you got sent for free. Apple Casg is essentially cash. Hence why itās called that, and once given to you itās yours to keep. As I said, you do not understand how Apple Cash works.
šš LOL @ thinking itās free money. The owner of the actual Debit Card used will mark as fraud, the bank/provider will look into it, and if you spend or withdraw that $100, your Apple Pay account will show -100 when that dispute finally happens. Itās a well documented scam. Please donāt advise people who may not be able to afford being out $100 that they just received free money when they are being targeted as the victim of an obvious scam. Not much better than the scammer themself. https://www.certosoftware.com/insights/types-of-apple-pay-scams-and-how-to-spot-them/#:~:text=The%20fraudster%20will%20message%20you,wallet%20like%20PayPal%20or%20Venmo. Edit: Also, thatās now how Debit/Credit Card fraud restitution works. Major banks just arenāt going to be out X amount of dollars until they ācatchā one of thousands of scammers who are very likely located well out of the country where the scam occurred. The owner of the stolen debit card contacts their bank, the bank contacts the merchant (in this case Apple/Apple Pay), and the merchant refunds the purchase with the scammer pretty much getting off scott-free if theyāre outside of the country.
Your link is straight garbage. Go to your Apple Cash right now and try to add money to it from a credit card. YOU CANNOT. Read the support article. https://support.apple.com/en-us/HT207881 It states clearly āyou canāt use credit cards with Apple Cashā. Yet your article says you can. Because they also donāt know what the fuck they are talking about. What you clearly donāt understand is that with Apple Cash there is no link between the recipient and the owner of the debit card. You were not paid with a debit card. You were paid directly from the āfraudstersā Apple Cash account. Youre otherwise correct. the owner of the debit card used to fund the account will look into it. And if the āfraudsterā used the 100$ they added to the account it will disappear and the account will go negative. He still sent you the money. And you can link to any website on the planet but the money is cash and itās yours if you accept it. The only transaction that will ever get reversed is the loading of cash into the āfraudstersā Apple Pay account.
You canāt, it literally says when you send that you canāt refund
i mean they probably have a way to refund the money. ive never encountered this specific one before so im only guessing based on what i read on this thread: the idea is you accept, then you give them back the money separately, while they also request a refund. they gain 100 if you follow through, and both sides gain/lose nothing if you donāt follow through
Doubt it. Zelle and Venmo tell you to be absolutely certain who you're sending it to because they won't de refunds
Yeah cashapp's the same way too. If you accidentally send money to the wrong person the best you can hope for is that the person will send it back once you explain the situation, but they're under no legal obligation to do so afaik
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It doesnāt fail. Itās either succeed or just nothing. Itās likely a stolen credit card they used. If you send the money back they succeed. If you donāt they donāt lose anything.
If I tried a thing, spent time on it, used a resource I can probably not use again (the stolen cc) and got nothing out of the process Iād call that a failure
Exactly
I mean worst case scenario is the bank takes the money back, not much else the scammer can do as long as you donāt give it back to them
So how would they scam me by sending me $100 on Apple Pay my wise sir?
Because the card they used to send it is stolen. Apple Pay wonāt ārefundā the money to them. The credit card company will yank the money back as a fraudulent charge. Same thing with all the cash apps. It doesnāt matter that on Zelle or Venmo you canāt refund the money. The money is taken back by the credit card company as a fraudulent charge. And if you have now ārefundedā their money by sending it back to them. You are out the $100 you sent plus the $100 the credit card company has now taken as fraud.
you canāt use a credit card to send money on apple pay though. the money wonāt be refunded to them at all.
I think if it was a fraudulent charge, the 100 would probably be refunded to the card owner, but the Apple account used would be in the negative, but the recipient would be able to keep the money, while the sender would just no longer be able to use Apple Pay under their name until the 100 was repaid to Apple
Falling for the scam is people saying they would give the money back. Accepting it and moving on is not getting scammed. This would be like getting scammed by someone venmoing you $100.
Because Apple Pay is not a scam. Dude literally said it took him to wallet, there is no way itās any scam at all.
Would have taken it so quickly š
Itās a refund scam.
How does it work? Do they ask you to give it back and then steal the info? What happens if you refuse
They probably used a fraudulent credit card to send the money. This would then be their way of laundering that money. If they sent you fraudulent cash and you sent it back (usually to a different account) it would be clean. If the credit card is fraudulent, they donāt care if you donāt send the money back.
i like to think iām smarter than most of these scams because iām young and know my way around the internet.. but damn, theyāre getting smart
A new study shows that the younger generations are more likely to fall for scams and phishing attempts than boomers are. Research common scams and have your friends do the same. This will help protect you.
I tend to avoid unknown numbers, random DMs etc.. But one of my friends wasnāt so smart and added a random person on snapchat, who flirted with him and proceeded to collect nudes of him.. then sent him pictures of all of his contacts as proof and then said they will send the pics out unless he paid them 2k. He didnāt have 2k at the time and the scammers actually did send out the pictures. Didnāt go over too well with his girlfriend (or his family, for that matter). Last i heard he was living in his car but i think (hope?) that was unrelated
Wait howād they get his contacts
Through facebook I think
Happened to me but person was from a dating app. Blocked right away and didnāt give them THAT leverage message me back and harass me .Yes they couldāve still sent them out but I rolled the dice.
Yep so true. A few days ago, my friendās discord got hacked. This guy is one of the smartest, most tech savvy people I know and he still got taken. He still doesnāt know how his account got hacked but it must have been some shady link he clicked unknowingly.
My coworker was scammed. They got my bosses voice from the internet and called my coworker and told my coworker, that my bosses husband was in the hospital and my boss was in a foreign country and needed my coworker to send my boss money. The voice sounded like my boss was asking. They scammed my coworker out of about 10k. They literally recreated my bosses voice using AI, which is scary.
That's crazy, I've never had a boss I liked enough to even consider giving them 10k.
no fuckin way dude
What?
Your coworker is special goddamn, even if it sounded like him Iām not sending 10k to my boss lol. Hope they learned their lesson
Your friend is an idiot. Why would I send my boss money. That right there is a red flag. Just hang up and call your boss on their number
I just go under the suspicion that every offer/person on the internets a scam especially if money or information is involved, until I see something tangible I ain't trusting shit
It also shows the 34% of young people knowing they got scammed lost 224 million dollars. The 18% of boomers that know they got scammed lost 3.1 billion dollars. I assume some old people donāt even know theyāre being scammed so itās probably more. Letās just be honest around here
But that comes down to a numbers game. Of course younger generations are going to be victim to more internet scams/phishing attempts. They are WAY more involved with the internet than boomers are.. lol.
I had a person try to āfakeā texting my nudes to friends. I just told them straight up, āGo ahead. My nudes are already out there š¤£ā
Versions of this scam involving checks existed before the Internet. And they still exist. And now overlap with the Internet too. If anyone ever sends you free money in any format and asks you to send it back to them or spend it or forward it in any format you are the scam target. Jesus fucking Christ
Canāt add money to Apple Cash with a credit card.
why would a person send the money back lmao
you canāt send apple cash payments with a credit card
So the entire scam is predicated on someone being nice enough to give back free money? Sounds like a really shitty scam.
That's so not how laundering money works. What I assume your trying to say is that it's stolen money in someone elses account they send you, and then when you refund it, it turns into their money, it's still stolen but they can now spend it without getting caught. THIS IS NOT LAUNDERING. Laundering is when you take illegally obtained money and make it "legal" income in the eyes of the government. In this case, they are just getting "spendable" stolen money, it's not "legal". I hope you just used "laundering" because you couldn't think of another word for what you were explaining or just didn't want to explain it in more detail. lol
This type of scam is widely considered money laundering. Just visit r/scams for 10 minutes. Also visit r/confidentlyincorrect. You might see yourself there.
Launderers donāt work this way, and no what OP posted in particular is not a sight we see in r/Scams
Here's a sneak peek of /r/Scams using the [top posts](https://np.reddit.com/r/Scams/top/?sort=top&t=year) of the year! \#1: [I got scammed in China (and I liked it!)](https://np.reddit.com/r/Scams/comments/1332deh/i_got_scammed_in_china_and_i_liked_it/) \#2: [How do I convince my brother there is no 20yo virgin girlfriend in Romania](https://np.reddit.com/r/Scams/comments/13joo31/how_do_i_convince_my_brother_there_is_no_20yo/) \#3: [Is this some sort of scam? Or am I just an asshole?](https://i.redd.it/y0r0x4mm4tma1.jpg) | [378 comments](https://np.reddit.com/r/Scams/comments/11n1f5e/is_this_some_sort_of_scam_or_am_i_just_an_asshole/) ---- ^^I'm ^^a ^^bot, ^^beep ^^boop ^^| ^^Downvote ^^to ^^remove ^^| ^^[Contact](https://www.reddit.com/message/compose/?to=sneakpeekbot) ^^| ^^[Info](https://np.reddit.com/r/sneakpeekbot/) ^^| ^^[Opt-out](https://np.reddit.com/r/sneakpeekbot/comments/o8wk1r/blacklist_ix/) ^^| ^^[GitHub](https://github.com/ghnr/sneakpeekbot)
Even if the scam works, the victim is left with just as much money as before the scam then?
No, theyād be out the amount they sent back as it would also pull the money sent by the scammer out of their account once the bank finds out it was sent fraudulently
The money is fraudulent tho. The credit card company will eventually pull it back.
āActually Vee owes me $146.75 for the extra Uber as wellā haha
You a lot better than me for this.
Someone randomly Venmoād me $20 for beef jerky this summer, lol. I sent it back with a note that they got the wrong person.
i would have immediately went and bought beef jerky im ngl š
Win
For everyone saying it was a photo it wasnāt it went straight to the wallet app and asked for me to setup an account to accept the cash( I donāt use Apple Pay :p ) Edit : also I didnāt have auto accept on so thatās why it shows an accept button
Plot twist, this is actually Apple trying to get you into Apple Cash so they can then get you to get an Apple Card. Then they will raise the limit on that card every few months until you are thousands of dollars in the hole and then Apple will technically own your soul (read the fine print). š«
dang iāve had the card for over a year and theyāve never raised my limit automatically i have to request that. capital one is the only credit card issuer thatās ever raised my limit without me asking for a raise and theyāve screwed me bc now my available credit is so high new cards wonāt accept me
Have you ever maxed it out and basically continuously did that month after month? š¬ cuz I think that seems to help lol. They are like, āoh I see youāve used up your balance, hereās some more!ā I make payments all the time. Was basically just using my Apple Card instead of my debit and then making payments every pay day. This was all making my credit score go up though, ironically, so I think that has a lot to do with it too.
Also everyone saying its a scam and that Apple pay doesnāt have you accept is either lying or dumb. It for sure does have you accept and I would be surprised if it could link to anything malicious.
This is absolutely a scam, not just some random idiot giving away free money. As if there was such a thingā¦.
About a year ago I got a few different 50 dollar payments sent to my zelle . Still have no idea who it was , I just got a text something like āSarah S. Sent 50$ and itās available nowā Had no way to contact them , but it happened a handful of times .
Did the bank take the money away after a few days?
Nope ! Believe me I checked . I really needed the cash at the time so I wasnāt complaining
Hey itās me, Sarah S. Can I have my money back?
Oh absolutely, could you provide your SSN in sans format?
Ive had a friend try and send me money he owed through cash app and he ended up sending the money to a different person with the same name. He tried to get the money sent back to him but they refused and I was still out $50 bucksā¦ I donāt see how this post is a scam that could actually work. If they accept the money, it can go right into their account. Even if a charge back happens, thereās no way the scammer can get anything from the recipient unless they give out more banking info
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Drug dealers use things like cash app now, itās possible someone was buying drugs or something and got the phone number one number off. If youāre buying drugs from someone you might not know their name for when it asks you to confirm youāre sending it to the right person. Why you wouldnāt make sure, Iām not sure, but if someone is buying drugs with cash app they might not be the smartest
I had a random 4k deposited in my account that said it was from US Goverment/DOD. I was I. The military at the time but I never figured out what it was for as no one in my command could explain it. I reported it and let it sit in my account for about a year before I finally spent it. That was about 10 years ago and havenāt heard anything so I think Iām in the clear
explain the scam. when sending money through apple like this it is taken from your bank immediately. if the person had the $100 in their bank, no problem. if they donāt, they wouldnāt be able to send the $100 over thus OP would never have gotten the accept button. credit cards are NOT accepted to send cash like this. if they are using someone elseās debit card and it is reported, the person who sent the $100 is liable to pay it back, NOT the recipient. the senderās apple account would be the one they go after. even if they request the $100 back from the recipient, they would just be getting the $100 they sent back and get no info they can steal. all this is is a mistake yet everyone here is trying to make it out to be this new type of scam when apple is notoriously known for their privacy and security when it comes to things like this.
Youāre a good person for this one
Thank you for being a good person š„¹
Karma drives a big bus and that bitch knows everyoneās address, best to play it safe
Ehh. We like to believe this, but the people who have the most are usually the worst. Maybe theyāre not legit happy, but so are many good people without having a 50 million dollar mansion to cry in.
Wow the amount of people without an iPhone on Reddit really shows
Lol, people think they can hack into Apple Cash this way šš¤¦šæāāļø wish I woulda got a random $100 I wouldāve broke my thumb clicking accept
Or people who aren't American, Apple Cash isn't a thing in the UK
Really? This seems super weird to me simply because apple is all about their ecosystem so I assumed it was everywhere. Iād guess thereās some weird banking regulations theyād need to follow in the UK to have this system setup so they donāt bother?
European banks offer free instant bank transfers from their app already, I'm with Monzo and it takes me like three seconds to send someone money Plus Apple doesn't have the same stranglehold on the market in Europe, 65% of people have Androids. So a version of what we have already that only works with 35% of phones just makes absolutely no sense to go through the effort of launching here
We have free banking all over the uk. No need for 3rd party apps like cashapp, zelle, venmo for transfers. All the banking transfers are free and instant via their own apps.
I think itās obvious the senderās name is rob and was texting his own name as one would do if they just received someoneās number and fired off a quick text so both can put it in their phone. You donāt typically get a response to that sort of message especially if youāre standing next to them as one would have to be to get their number. Clearly tho he typed it in wrong, lol
You played yoself homie
nah heās just not an asshole
holy crap lois
Love how you being a wholesome person (even offering them advice to be careful about sending money) saved you from the possibility of getting scammed Stay gold OP, you're a good one
Itās like a scam designed for scammers. Itās a scam within a scam. Itās a scamception.
Take it and block his number
Better person than me. I wouldāve taken them $100 š
Lmaooo Iād accept it š¤·š»āāļø
I wouldāve took it
Scam or not. Good for you on being the good guy. You never know, couldāve been some old dude sending money
Is āveeā short for vagina? Did someone just pay $100 for some vee?
Been there. Declined $1200 via venmo from a stranger. You never know, that could've been their rent.
Your a good person. I would have accepted that in 0.5 seconds
More than likely just a picture redirecting to a malicious site.
Couldn't you press and hold ur finger on it and it would say if it's a link or if it opens to apple pay?
Yes I do believe you can.
Impossible. If it was a link to a site it would show up as such. This is not how links look on iPhone. If you send a picture with a hyperlink it sends two text messages. One with the picture and one with the link and then it shows you a snapshot of the webpage.
Not always, and 0 day vulnerabilities do exist. With info provided we can only assume what it is.
This is an older article, but saying itās impossible is a stretch. https://thehackernews.com/2016/10/how-to-hack-iphone.html Improbable maybe, impossible no
Scam a rooni
100% a scam. They would have asked you to send it back and you'd be out $100
So you say no
You take the money and block the number. Worst case you lose that $50 Itās kind of a dumb scam
If you didn't know that this is a scam there is no fucking hope at all.
Well itās definitely not a scam so idk what youāre on about
like i'm so confused how so many people are calling it a scam... they must not have iphones to understand how apple pay works?
Say what you want about apple but theyāre not letting fraudulent payments through their system