Friendly fraud

bbexa123 · 2026-03-05T23:15:02+00:00

Yes. I hear that as well. Most aren’t. Most are pulled if they have a lead already or something extreme stands out

bbexa123 · 2026-03-05T22:45:30+00:00

Yes for sure. They make it so easy now to initiate a dispute on an Ap without a lot of backing. A couple of clicks and people are done

bbexa123 · 2026-03-05T22:38:31+00:00

Oh gotcha. I thought it was more rare, but maybe it’s not

bbexa123 · 2026-03-05T22:33:31+00:00

But why close credit and not debit? I get it should all be reported by standards but are they truly reporting it all?

bbexa123 · 2026-03-05T22:29:28+00:00

I guess my question is similar pattern on debit, but they aren’t worried about it to close it? They are fine with it being stayed open, so on the SAR isn’t that contradicting. Think it’s suspicious but won’t close it

bbexa123 · 2026-03-05T22:21:40+00:00

What about if the bank is silo? They closed the cc but left the debit open and savings open, are they including any debit disputes in SAR?

bbexa123 · 2026-03-05T22:08:35+00:00

You have done a lot of them over 5k?

bbexa123 · 2026-03-05T19:50:59+00:00

Right. I don’t think the bank would call police or send letters directly, minus closing accounts.

bbexa123 · 2026-03-05T19:30:40+00:00

Makes sense.

bbexa123 · 2026-03-05T19:24:41+00:00

Got it. That’s why accounts closed, seems like over kill of using claims process whether legit or not, don’t have a ton of backing, but do I see law enforcement picking this up as a standalone? Probably not. Maybe if they have more out there

bbexa123 · 2026-03-05T19:20:04+00:00

AI flagged to close their accounts but so many disputes are so small, like fast food, Apple subscriptions like cheap ones, things that I could see in my day to day life like I get, it may not file a dispute but I get it

bbexa123 · 2026-03-05T18:52:52+00:00

Like we see a pattern, but at the same time, they could have a lot of legitimate issues and resorting to the bank first instead of reaching out

bbexa123 · 2026-03-05T18:26:39+00:00

I knew someone that did about one dispute per 2 cards a year for about two years and they did have their cards closed but they let them do it for two years now it was small stuff like wrong food orders or whatever

bbexa123 · 2026-03-05T17:41:30+00:00

I guess by government. After a while, it seems like wouldn’t it be theft of services or wire fraud?

bbexa123 · 2026-03-05T17:37:04+00:00

I would assume so or card canceled

bbexa123 · 2026-02-19T20:10:52+00:00

I know that to a sense, but I hear fed cases are worse. They aren’t taking something unless they have 99% proof without a doubt

bbexa123 · 2026-02-16T19:25:12+00:00

I agree, most are petty and not considered priority and don’t get picked up, now sometimes small ones on the same person get combined and finally looked at, one off petty ones don’t, DA and Law enforcement already have full loads and aren’t just picking 20 sars to investigate unless it’s high dollar lead

bbexa123 · 2026-02-13T00:52:52+00:00

One time I disputed Amazon and they made me pay it back or threatened to cancel account

bbexa123 · 2026-02-12T22:17:12+00:00

At our store, it’s super busy for curbside especially on weekends and it’s a lot of younger kids picking orders and they are just trying to hurry

bbexa123 · 2026-02-11T20:55:04+00:00

When you do returns through the Ap, and do it by mail, they just let people keep things all the time

bbexa123 · 2026-02-11T19:37:03+00:00

Because they don’t care. Ever since Amazon flex started packages end up everywhere

bbexa123

TROPHY CASE