I know most of everyone here, if not all on this forum is savvy (except for me) when comes to making purchases for longevity pharmaceuticals. I wanted to share my experience just as reinforcement on making purchases.
I created a firewall/dummy checking account to make some purchases by e-check. I don’t know at which point the information was stolen but someone tried withdrawal $9900.00 from the account. Fortunately there was only $12 left in it.
I haven’t had practice in the other payment methods yet but it looks like l really need to learn.
Any comments or recommendations would be appreciated.
4 Likes
在线购买雷帕霉素 - 可靠药店列表
This is a great place to start!
1 Like
To withdraw from a bank acct one would need;
- acct number
- user name
- password
- if 2FA was enabled it would also require full access to the email or cell phone of the acct holder
Only the acct number would be exposed in a e-check purchase. An attempt to access an acct is always going to fail without those 3 or 4 things.
2 Likes
The purchases were made from a “reputable” vendor in that list. I don’t want to say the name of the company that l made purchases from because l can’t be certain at/where the theft of info occured.
Have you spoken with the vendor? I guess if there was no harm or foul done, change your passwords, get a 2FA (phone, email and or/passkeys) for even basic accounts.
I only transact in Bitcoin. I also use CashApp for my Bitcoin transactions and they’ve given me a bit of consumer protections albeit, not a ton. Almost every vendor on that list accepts Bitcoin.
Sorry about your luck!
1 Like
It seems highly unlikely it was the actual vendor doing this… more likely a random scammer that is targeting back accounts… for example like this: Bank and Check Scams | Office of the Attorney General
I’ve used wire transfer - from bank, from wise, etc., and credit card, for years and no issues.
7 Likes
It’s very possible this could have happened or something somewhere else in the transaction path.
@MichGuy12 l have been wanting to do the Bitcoin (or other crypto) route but mentally it has been hard for me to get over the hump.
1 Like
How has your experience been with Bitcoin in the cash app? Since l haven’t done it yet (dinosauritus) it seems a bit daunting.
1 Like
Jay
#9
EenDwaze, the “dummy” checking account is an excellent idea. I use that method a lot when it’s convenient and I keep the account balance very low. I wouldn’t be overly concerned if the money in the account disappeared. I would just investigate and create a new account to replace it.
Bitcoin is worth investigating, but you’ll likely encounter a variety of fees and there will be a learning curve. But, investigate and spend a few bucks learning how to use the system. If you convert cash to bitcoin you may need to account for it on your taxes if the amount is large enough.
In the past I had a vendor tell me they never received a bitcoin transfer from me. I triple-checked the account number they gave me with what was in my Bitcoin transaction record and it was precisely a match. I showed him a copy of the Bitcoin transaction, but he still said “money not received.” So, unexplainable problems can happen.
Of these two methods I prefer a “dummy” bank account when I can use it. And, of course, there is the third alternative of using Wise and other similar money transfer companies.
2 Likes
Most people don’t conduct business in Bitcoin and most never will, so you’re already ahead of the curve as an ‘early adopter’ as we say here in the forum. Using CashApp streamlined the process. I just open my Bitcoin wallet on CashApp, purchase the amount of Bitcoin I need (the cool thing about CashApp is it let’s me buy it in U.S. Dollars or BC).
Get the vendors BC address (it’ll be a a shorthand long block chain code) and copy that into the receiving address and send. Verify the address a few times for your sanity.
Where it gets daunting is figuring out how quickly you want to get the funds to your vendor. Depending on the app or service you’ll have a couple choices such as ‘rapid delivery’, ‘instant delivery’, etc.
Most vendors will want you to select the cheapest option as they don’t lose any additional money on waiting for your funds to get into their accounts. I ALWAYS choose the cheapest option. It will say something like “It will arrive in two to three hours”. That’s fine.
Once you’ve decided on how you want to send the BC, click send. Move to the bottom right of the application and you’ll see the transaction as pending or received. Copy that transaction and Blockchain address (using a screenshot feature) and then forward that to your vendor as proof of purchase, only once it has posted.
DM me if you have any questions.
4 Likes
We need to use the power of the group here, as a small community. Name the vendors that scammed you so we don’t use them further.
@Jay and @MichGuy12 very helpful! I appreciate the info and effort.
Jay
#13
MichGuy12, it’s been several years and I don’t recall the vendor’s name. I may have some old records, but I don’t want to take the time to investigate. I had transactions over a period of a year or so with him and he generally mailed a package as soon as I sent him a screen copy showing money transfer in process. So, he sent the package before he received the money. We had several emails back and forth which involved me investigating this particular transaction with my customer service representative and me sending the vendor a copy of this conversation indicating the money did go to the Bitcoin address from the vendor’s Pro Forma Invoice. The vendor wasn’t upset and he didn’t tell me I need to try to pay it again. He just said his account did not receive the Bitcoin I sent. With that particular order he gave me a Bitcoin address that did not match his prior Bitcoin address and I pointed that out to him before I began the transfer process. But, he said “Yes, it’s a new account address.” So, I can only speculate that he may have inadvertently given me a bad address, but that was what was on the Pro Forma Invoice he emailed me prior to my beginning the Bitcoin transfer process. So, I have no explanation and I received the product, regardless. I was satisfied, but felt bad that he could not somehow determine where the money went.
1 Like
I did have a similar thing happen to me recently, although I was a very squeaky wheel and that vendor, Navin at Kashvadas and Sons made good on the order eventually
Ask your bank for a second Debit card and use it for online purchases only. Make sure the bank will not cover overwithdrawls. When you make an online purchase, only transfer enough money to the debit card account for the purchase. Here in SoCal, the fast food counter guys are taking pictures of your card and later you’ll have some interesting charges. Do not use your bank account info for ordinary online purchases. Not safe unless for utility bills, PayPal and bonified institutional vendors. If you have to get a new card, it’s alot simpler that getting a new main bank account.
1 Like
In the UK credit card payments have a linked phone number for authorisation codes
@Stanny11 Very good advice. Thanks.
I will check and see if my banking institution offers this for the checking account.
sudiki
#19
I use Wise. I have used it 3 times over the past year w/o any issues. I originally was going to do the foreign bank draft thing but my bank didn’t seem like they knew how to really do it and it was complicated (paperwork). So I created a wise account instead. works just fine for me so far. just don’t put medications or anything like that when wise asks what you are purchasing to avoid any “possible” issues. I think I selected something like merchandise etc.
5 Likes
PBJ
#20
Wise is the way if your vender accepts it. The sign up is a little confusing, but I think the fee on my last order was $.60. Cheap, fast, and the added layer of protection make it my overseas purchase choice.
4 Likes
