 What's up, everyone? It's Hakedown here. Welcome back to another video. Recently, I did have some fraudulent charges on my credit card, and today I'm gonna be sharing that story with you. Let's get right into this. ["Froggenland"] So back about a month and a half ago, I simply went out with my girlfriends. We had to go to the pharmacy to pick up a prescription of mine, and with my work benefits, it comes out to $1 for my prescriptions. So I went to pay with my credit card, and it got declined. I thought maybe I did something wrong, so I hit it again. Declined again, so my girlfriend paid for me, and then we decided on the way home we're just gonna stop, and my girlfriend wanted a coffee, so I was gonna get her a coffee. So that comes out to about $3.60 something cents. So I paid for it, declined again. So I thought something was up, so I came home, didn't even decide to check my statement and just sign into the app. I decided just to call them right away, and I called them and asked, how come it's getting declines? And he said, one second, I'm gonna look into that for you, and he put me on hold. So I decided while I'm on hold, I'm just gonna sign into the app and see if I see anything on my end. And the first thing that I noticed is my balance for the month was completely full, which obviously that means why it's getting declined, is because I have no room left on my credit card. The balance is full, which I'm the type of person that whenever I pay for something, by the end of the month, anything that I paid for on my credit card, whatever the amount owed is, I always pay it off every month. That way I'm never paying any of the interest. So I couldn't think why it was like that. I knew I just paid my credit card maybe two or three weeks prior to when I noticed this. So I happened to go through all of the transactions and that's when I found all of these fraudulent ones. And I can't even remember what's the name it said on it, but it was something disc or fan star disc or something weird. So my girlfriend looked it up on her phone and that's when we found out it is some fake casino app or casino websites that is just known for fraudulent stuff. So when that guy came back, he's like, yeah, you have fraud charges on your card and I started panicking and I'm like, yes, I've noticed that. I just signed in right now. I see them all, it equaled up to be about $15,000. And he said one second, he's like, I have to pass it through to our fraud department and they are gonna have to deal with this and they'll walk you through it. So I got put on hold. I'm freaking out at this point. $15,000 of fraud charges on your credit card is nothing small. Like that is a huge amount of money. That is insane and I know some people are gonna say why is my limit so high? My limit is not that high and I'm gonna explain what the rest of it was in a second here. So whenever they finally picked up and I started telling them like, hey, I have some fraudulent charges on my credit card. I wanna know what's going on. He looked at it and he's like, yeah. So I calculated that there was about $15,000 and he on his end could actually tell that because it went over a course of two days. All the ones from the first day went through but whenever they came back for the second day and tried to go through, none of those ones actually went through because I already reached my limit. So all of those ones were automatically declined but it just didn't show it on my end. So on my end, when I'm looking at it and I see and I count it up and I add it up and it says that it's over $15,000. In reality, it was eight to 9,000. Actually, I think it was 9,400 or something like that which is insane. So I said, well, even that's still a lot of money. He said, no worries. He's looking into it and he's asking me all kinds of questions and one of them was, do I get, have I received any spam that I clicked into? And honestly, I don't. When I receive a spam, whether it's a text or an email, I never open it up. Normally I ignore it or I just delete it. So I know I never clicked into anything. I know I don't have my credit card on any specific websites or apps or anything that I'm not familiar with. All of the stuff is basically higher end stuff that I know is protective. Not some random sites that ask for my credit card. I never input it in that. So I was kind of concerned but whenever I told him that, from my end it looks like whatever that name was, fan, star disk or something weird. And I said that I looked it up and it says it's some casino thing. He asked me if I was, if I have my credit card associated with any casino, any online betting or anything like that and I don't. I use my bank account for that, not my credit card. So I know the two are not linked up in any way. So there's no way that that was connected at all. So he told me, okay, it's gonna take about two to four weeks to have this dealt with. If there's anything that's concerning or they have any other questions, they're going to contact me which I never got contacted because everything worked out great. After about two weeks, it was already off my credit card and I just didn't know that. But it was insane. The fact that somebody could go somehow get your information, I don't even know how they got it. But go and try for two days in a row to get all of the money that you have for your available credits. And basically what they were doing is however they got my credit card information, they put it on this fraudulent app, they made it deposit with my credit card and then they withdrawed it into, I assume their bank accounts or wired it to something else and then wired it again so there's no paper trail. So it was very, I don't know how to word it, but very scary stuff. So it could have been 15,000 and it ended up being 9,400 or something like that, which is still a huge amount. And that is crazy for me. So what ended up happening? I had to wait till the next month so that money that I didn't pay because I'm not paying 9,500, 9,400 when I didn't make those purchases so I never paid that. It rolled over to the next month and then it got taken off my card. But what they forgot to do, the interest that it accumulated that I would have to pay on top of that ended up being $54 and they forgot to take that off. So whenever I went on and I seen that all the transactions were cleared and I got money back for it, but there's still $54. Whenever I called, he explains like, yeah, that's because you use money for a credit card or sort of he used, I use money on a casino or something. I'm like, yeah, that's where the fraudulent charges came from apparently was some credit card site. So he went on his end. He was able to reverse that interest, that $54 on top of the 9,400 that was already taken care of. He had to reverse the 5,400, which was the interest that I had to pay for not paying the 9,400 the month before, if that makes sense. So that was a huge scare for me. First time anything like that happened. Of course, they already issued notes, new credit cards. I've already destroyed the previous one. I've already changed my credit card information on all my sites and that's that I use it on. But I have no clue how they got my credit card information, but the fact that they did and they basically tried to clean me out completely of what my credit is, is crazy. And I know certain banks and certain credit cards, they don't have that good of protection, but because I have the Triangle Mastercard, they are really protected whenever there's anything fraudulent related, they look into it, they can tell that it was a fraudulent purchase without even asking you that many questions. And they just go and refund you, like basically do a, not a refund, but they give you your money back, but it does take that two to four weeks. Luckily for me, it only took two weeks, but some people it's over four weeks, which absolutely sucks. So at least got my money back. At least I'm now worried free, but at the time I was panicking and because going that 9,400 rolling into the next month, I had less than $1,000 available credit on my credit card for that month. So my girlfriend basically purchased everything and I just sent her the difference of what I owed through E-Transfer with the bank just because I knew I'd go over that amount, which usually I do go over a thousand, but it was just insane. And it was one of the scariest things financially for me, but hope you guys enjoyed this story time. I just wanted to basically mention that that did happen and basically put some awareness out there that I never thought it would happen to me and it did and I assume a lot of people have the same way that they just don't think it's gonna happen to them until they do. So definitely look into and make sure your credit card does fully cover if you have any fraudulent charges on your card. Mine did, so thankfully nothing on my end, but some people I've seen where some of them with different banks in that, especially in the US, some people are screwed at times, which would absolutely suck. If they took that money from me it would be a huge financial hit. Luckily I got it all back, but comment down below what you guys think and I'll see you guys in the next video. Please take care. Peace.