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Forced Sale Fraud

  1. 2018-01-04 at 3:05 AM UTC
    #1
    SBTlauien African Astronaut
    I remember reading about this years ago, but I had thought that it was fixed.

    So basically a person goes into a merchants shop to buy some goods and attempts to pay using a card(debit or credit). The transaction is declined because either the card is expired, the account is closed, the information is missing or random on track1/track2, or any other reason that prevents the card from working(which is what the culprit wants). In the articles I've read, the culprit pretends to call the bank, gets an authorization number(that has to be a specific number of digits, and possibly in a certain format), and then gives this authorization number to the employee that then types this number into the cash register which allows the transaction to complete. I think in some instances though, the employee will call the number on the back of the card(the card being one that the culprit made and has a number on the card that is linked to a 800 number that he/she has an accomplish ready to answer and pretend to be a banker at the bank with an authorization number), which will allow the transaction to complete.

    Anyways, I came across this article that claims a girl pulled this off in July of last year...

    https://www.dnainfo.com/chicago/20170711/andersonville/forced-sale-credit-card-trick-nets-2k-clothes-from-andersonville-shop

    Here is one from a long time ago...

    http://www.businessinsider.com/sharron-laverne-parrish-jr-charged-with-apple-credit-card-scam-2014-7
  2. 2018-01-04 at 3:25 AM UTC
    #2
    Nil African Astronaut [the overexcited four-footed chanar]
    "It's rare for a girl of that age to have purchased so much without blinking an eye, but we really don't make judgments here. We don't really think that way unless we're forced to," said Sarah Mergener, the employee who rang up the items last week.


    Code word for unless they're black obvs.
  3. 2018-01-04 at 3:31 AM UTC
    #3
    SBTlauien African Astronaut
    Originally posted by Nil Code word for unless they're black obvs.

    The guy in the second link is black and he pulled it off for a long time. I don't race plays a role when the transaction goes through. Likely just plays a role with LP/AP, security guards, and blue suit police officers. If a transaction is successful, then nobody really cares.
  4. 2018-01-04 at 3:38 AM UTC
    #4
    D4NG0 motherfucker
    Can you explain this scam in more detail?

    I assume you would be using a stolen card so the store can't track you down when they don't get paid. In that case, how to you have access to the account to get the authorization code? Also, it seems like you would have to rely on the employee knowing what to do in a scenario like that, in which case you're fucked right there. Most minimum wage workers barely manage to process basic transactions, nevertheless enter special codes.
  5. 2018-01-04 at 7:11 AM UTC
    #5
    SBTlauien African Astronaut
    Originally posted by D4NG0 Can you explain this scam in more detail?

    I assume you would be using a stolen card so the store can't track you down when they don't get paid. In that case, how to you have access to the account to get the authorization code? Also, it seems like you would have to rely on the employee knowing what to do in a scenario like that, in which case you're fucked right there. Most minimum wage workers barely manage to process basic transactions, nevertheless enter special codes.

    The card itself is fully rejected and out of the picture from my understanding. The employee would likely access a certain menu within the cash register and then type in the authorization code. Doing this, from my understanding, with basically tell the register that the transaction is successful and that the funds can be collected at a later time. This is also known as an "offline transaction". The merchant believes that the transaction can be completed at a later time and that the funds exist and are there. From the articles, the register only checks to make sure that the authorization code has the correct amount of digits, but doesn't actually test it in any way.
  6. 2018-01-04 at 7:28 AM UTC
    #6
    D4NG0 motherfucker
    How do you get the authorization code if it's not your card?
  7. 2018-01-04 at 8:18 AM UTC
    #7
    aldra JIDF Controlled Opposition
    Originally posted by D4NG0 How do you get the authorization code if it's not your card?

    the trick is to make it up because they can't verify it on the spot; has to be sent to the bank in a batch transaction at the end of the day or the week or whatever
  8. 2018-01-04 at 1:32 PM UTC
    #8
    -SpectraL coward [the spuriously bluish-lilac bushman]
    Some years ago, a guy would climb up on the roof of the business and cut their Internet connection. This would force the register to become disconnected from the credit card network, at which point he would ring up a sale and use a fake override code.
  9. 2018-01-04 at 1:51 PM UTC
    #9
    NARCassist gollums fat coach
    Originally posted by SBTlauien I remember reading about this years ago, but I had thought that it was fixed.

    So basically a person goes into a merchants shop to buy some goods and attempts to pay using a card(debit or credit). The transaction is declined because either the card is expired, the account is closed, the information is missing or random on track1/track2, or any other reason that prevents the card from working(which is what the culprit wants). In the articles I've read, the culprit pretends to call the bank, gets an authorization number(that has to be a specific number of digits, and possibly in a certain format), and then gives this authorization number to the employee that then types this number into the cash register which allows the transaction to complete. I think in some instances though, the employee will call the number on the back of the card(the card being one that the culprit made and has a number on the card that is linked to a 800 number that he/she has an accomplish ready to answer and pretend to be a banker at the bank with an authorization number), which will allow the transaction to complete.

    Anyways, I came across this article that claims a girl pulled this off in July of last year…

    https://www.dnainfo.com/chicago/20170711/andersonville/forced-sale-credit-card-trick-nets-2k-clothes-from-andersonville-shop

    Here is one from a long time ago…

    http://www.businessinsider.com/sharron-laverne-parrish-jr-charged-with-apple-credit-card-scam-2014-7

    setting up an 0800 number costs money and will be linked to somebody's name and address. its not easy setting up phone lines in fake names, especially as an 0800 number would also need to be registered to a business line.



    .
  10. 2018-01-04 at 3:52 PM UTC
    #10
    SBTlauien African Astronaut
    Originally posted by NARCassist setting up an 0800 number costs money and will be linked to somebody's name and address. its not easy setting up phone lines in fake names, especially as an 0800 number would also need to be registered to a business line.



    .

    Identity Theft.
  11. 2018-01-04 at 5:10 PM UTC
    #11
    aldra JIDF Controlled Opposition
    Originally posted by SBTlauien Identity Theft.

    seems like a lot of work (and risk, given you're also cutting phone/data lines) for small-scale retail fraud
  12. 2018-01-04 at 6:22 PM UTC
    #12
    SBTlauien African Astronaut
    Originally posted by aldra seems like a lot of work (and risk, given you're also cutting phone/data lines) for small-scale retail fraud

    Some of these transactions are like $7k. At ten locations a day, that'd be $70k.
  13. 2018-01-30 at 3:04 PM UTC
    #13
    mrhustle Yung Blood
    best to have an insider for the job. Less money and more risk because when they get called out your ass is in there hands. So its not a great idea. Could work for small transactions but overall it is a lot of work for a little payoff. 70k in stuff still means you have to move the product for less than retail and even then probably half of retail because you will probably want to get off the items immediately. Not to mention you have to have something special about you to look like you can spend that type of money and do it with a straight face.
  14. 2018-01-30 at 3:34 PM UTC
    #14
    infinityshock Black Hole
    out-jediing the jedi.

    nice.
  15. 2018-01-30 at 5:52 PM UTC
    #15
    -SpectraL coward [the spuriously bluish-lilac bushman]
    You don't even need a 1-800 number. All you have to do is pretend you are speaking to the credit card company and give any code to the cashier, because the system will accept any code of the appropriate number of digits as an override code; it doesn't check anything, and neither does the cashier.
  16. 2018-01-30 at 5:53 PM UTC
    #16
    SBTlauien African Astronaut
    Originally posted by -SpectraL You don't even need a 1-800 number. All you have to do is pretend you are speaking to the credit card company and give any code to the cashier, because the system will accept any code of the appropriate number of digits as an override code; it doesn't check anything, and neither does the cashier.

    But what if the cashier takes the card and makes the call...?
  17. 2018-01-30 at 5:56 PM UTC
    #17
    -SpectraL coward [the spuriously bluish-lilac bushman]
    Originally posted by SBTlauien But what if the cashier takes the card and makes the call…?

    They don't.
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