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Brother stole our mom's credit card, bought some stuff online. What is it?
So my mom called me and was pretty pissed that she has like $150 charged to one of her credit cards. I've seen the bill and traced it to playdom.com. From what I can tell it's at least legit and not porn, which is something, however, beyond that I have no idea what he would be buying there and how it would cost him $150.
Well, I have some idea; although I don't partake in the myspace or facebook, I'm passing familiar with the games on them. Kind of browser-based mmo stuff, but I thought they were free. I'll have to assume that they're using a cash shop like other free mmos do, but what would he be buying? More importantly, is it a subscription or a one time cost? She'll be double pissed if she gets billed again next month.
As an aside, is there any chance either the credit card company or this website would do anything about it? Would she at least be able to shut his accounts down or something?
Yeah if you tell the credit card company it was unauthorized, they will do a chargeback. If there's a concern about recurring billing, you would ask the credit card company to permanently block any charges from that source. I assume your mom won't be using the site herself so that shouldn't matter.
Playdom itself may or may not give you details about what the charges were for (I wouldn't bother asking them to reverse the charges, they probably won't, I'd let your CC company force the money out of them). Sometimes even though your card was used, technically the billing details of the account would be private to the account owner. Not all companies take privacy seriously, though. If you contact them you can easily find out what they will do for you as the card owner.
The credit card company may need your mom to officially report the card stolen to do anything. They may not, but be prepared for that eventuality. In any case, it wouldn't be a bad idea for her to do so and get the card replaced with one with a different number in case your brother wrote down the number or something.
But yeah, she should call the credit card company -- they'll investigate and almost certainly refund the money and then it's their problem to get the money from the merchant.
Playdom develops games you find on social networking sites. That charge is probably from your brother buying virtual money/points for one of their games.
Time for your brother to get a job and earn back those 150 dollars.
And on top of that some internet deprevation or online grounding. He needs to know that this is not done.
But yeah, she should call the credit card company -- they'll investigate and almost certainly refund the money and then it's their problem to get the money from the merchant.
If you tell them that you know who did it, they will make you press charges against the person in order to get a refund, you must submit the police report to them. If you don't they will launch an investigation and refund your money after they have determined that it was indeed fraud.
When I used to work for the credit card fraud department, I'd often talk to people who had one purchase and claimed that it was fraud. Things did not go well for them. I would not lie to them. Its not worth it for $150.00.
My advice would be to keep this in the family. A $150 is enough to get the involved parties angry about fixing it, but not enough to be worth the time spent on the phone to straighten it out.
He owes your mom $150, doesn't get anything at all (no net, no gas, nothing) until it's paid off. Easy as that.
I was reading the thread and thinking along the line of what MagicToaster said....you can't just get stuff refunded like that or everyone would be spending $150 online and saying it was unauthorized.
You would be reporting theft and fraud.
A cursory investigation would reveal that
1. your lying or
2. you know too much and not pressing charges
3. you made purchases with the card after it was 'stolen'
I don't know how credit card companies operate but I would head MagicToaster's words because they sound right to me.
There was never any chance of lying about it. Just a call to the credit card company to see what they thought. I figured it was a long shot, and she probably won't bother.
Really I was more concerned with what was being purchased. Specifically, that they would be one time fees; he's taken a credit card before and subscribed to something that was getting her charged monthly and it took her a while to even figure out what she was being charged FOR.
We'll figure something out. She's already taken away his computer and we'll see about the rest.
There was never any chance of lying about it. Just a call to the credit card company to see what they thought. I figured it was a long shot, and she probably won't bother.
Really I was more concerned with what was being purchased. Specifically, that they would be one time fees; he's taken a credit card before and subscribed to something that was getting her charged monthly and it took her a while to even figure out what she was being charged FOR.
We'll figure something out. She's already taken away his computer and we'll see about the rest.
He's done this BEFORE? Lay down the hammer!
Deebaser on
0
Deebaseron my way to work in a suit and a tieAhhhh...come on fucking guyRegistered Userregular
edited December 2009
at the very least delete the facebook acocunt he used and make him pay the money back anyway.
Your mom should go to the bank and talk to them in person. She should be upfront, her son has been using her credit card without permission. She doesn't want to get him into legal troubles but is there anyway of finding out what was bought and possibly cancel these charges. Depending on where you are and where the company the money was spent is, the answer is probably no to getting her money back without filing charges. Then she should ask if there is a way to make her card more secure, to prevent this from happening again. getting a new card is probably part of it, but they might have other extra security measures as well.
Your Mom should get a new credit card since he has probably written down the number of the existing one. She should phone the company that charged her and make sure it won't be charged again next month. She might be able to get back the money charged already, but I wouldn't count on it.
Aside from that, I'm sure she doesn't want advice on how to discipline her own son.
If she wants the money back, sell the computer and keep all the money. $150 to pay the credit card charges and the rest for personal aggravation. If he wants to get another one, he gets to earn the money for it. I honestly wouldn't trust him with anything remotely valuable, much less a credit card.
JaysonFour on
I can has cheezburger, yes?
0
The Black HunterThe key is a minimum of compromise, and a simple,unimpeachable reason to existRegistered Userregular
How the hell do you even spend 150 on that shit though? That's 50 bucks short of a Wii or 360.
I know that the ones on the iPhone - which as far as I can tell are basically 'ports' of these so called MMOs from Facebook - credits can be purchased in batches of at least $25, possibly more. So it wouldn't take much to run up $150 if you were the sort of person with the mental retardation required to actually want to play these games enough that you needed to buy the energy and not just wait for it to recharge. Basically you are buying 'energy' (aka action points) so you can do more stuff per hour, usually missions or what have you where the only interaction is ensuring you have the necessary requirements for the mission in terms of energy and inventory and then pressing a single button, once. Mission completed. Buy more energy or wait for it to recharge to do the same thing again. I'm pretty certain it's modelled on some layer of hell. I'd be more concerned about the fact that he's playing these games at all than the money he's wasted on them. To me it suggests he may have serious mental health issues.
Seriously, slap him, eBay his sneakers and ban him from being stupid.
Regarding chargebacks, you don't have to report the card stolen in most cases. I used to have to deal with them all the time, and essentially the bank sends a statement to the vendor in question saying "The cardholder believes this charge is fraudulent, unless you can prove otherwise we will be removing it from their statement and not paying the price."
This is why all stores keep a signed receipt of any debit/credit card transaction beyond theft control purposes.
Theres a problem here beyond someone just stealing 150 bucks. Simply chalking this up to young males "monkey shines" isn't going to do any of you any favors. The kid needs to be punished BEYOND simply taking away his computer. Who is to say he didn't write the credit card information down. As it has happened before suggests that whatever was done BEFORE to attempt to correct the situation will be about as effective as him having his computer removed.
Posts
As for what he bought, similar games allow you to spend real money on extra turns or items or other useless shit.
https://twitter.com/Hooraydiation
Playdom itself may or may not give you details about what the charges were for (I wouldn't bother asking them to reverse the charges, they probably won't, I'd let your CC company force the money out of them). Sometimes even though your card was used, technically the billing details of the account would be private to the account owner. Not all companies take privacy seriously, though. If you contact them you can easily find out what they will do for you as the card owner.
But yeah, she should call the credit card company -- they'll investigate and almost certainly refund the money and then it's their problem to get the money from the merchant.
Weaboo List
Hopefully he isnt getting addicted to online gambling.
(Online) gambling is bad mmkay.
How old is your brother?
And he's 15. I think it's probably Mod Wars or something. I'm pretty sure I've seen him playing one of those games before.
Anyone want to beta read a paranormal mystery novella? Here's your chance.
stream
And on top of that some internet deprevation or online grounding. He needs to know that this is not done.
If you tell them that you know who did it, they will make you press charges against the person in order to get a refund, you must submit the police report to them. If you don't they will launch an investigation and refund your money after they have determined that it was indeed fraud.
When I used to work for the credit card fraud department, I'd often talk to people who had one purchase and claimed that it was fraud. Things did not go well for them. I would not lie to them. Its not worth it for $150.00.
He owes your mom $150, doesn't get anything at all (no net, no gas, nothing) until it's paid off. Easy as that.
You would be reporting theft and fraud.
A cursory investigation would reveal that
1. your lying or
2. you know too much and not pressing charges
3. you made purchases with the card after it was 'stolen'
I don't know how credit card companies operate but I would head MagicToaster's words because they sound right to me.
Really I was more concerned with what was being purchased. Specifically, that they would be one time fees; he's taken a credit card before and subscribed to something that was getting her charged monthly and it took her a while to even figure out what she was being charged FOR.
We'll figure something out. She's already taken away his computer and we'll see about the rest.
Anyone want to beta read a paranormal mystery novella? Here's your chance.
stream
He's done this BEFORE? Lay down the hammer!
Aside from that, I'm sure she doesn't want advice on how to discipline her own son.
I can has cheezburger, yes?
I know that the ones on the iPhone - which as far as I can tell are basically 'ports' of these so called MMOs from Facebook - credits can be purchased in batches of at least $25, possibly more. So it wouldn't take much to run up $150 if you were the sort of person with the mental retardation required to actually want to play these games enough that you needed to buy the energy and not just wait for it to recharge. Basically you are buying 'energy' (aka action points) so you can do more stuff per hour, usually missions or what have you where the only interaction is ensuring you have the necessary requirements for the mission in terms of energy and inventory and then pressing a single button, once. Mission completed. Buy more energy or wait for it to recharge to do the same thing again. I'm pretty certain it's modelled on some layer of hell. I'd be more concerned about the fact that he's playing these games at all than the money he's wasted on them. To me it suggests he may have serious mental health issues.
Seriously, slap him, eBay his sneakers and ban him from being stupid.
This is why all stores keep a signed receipt of any debit/credit card transaction beyond theft control purposes.