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| Porn Users Forum » Anyone ever have bank call over charges? |
| 1-17 of 17 Posts | Page 1 |
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| 02-04-12 12:55pm - 4705 days | Original Post - #1 | |
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BubbaGump (0)
Active User  Posts: 109 Registered: Jan 08, '12 Location: USA |
Anyone ever have bank call over charges? Had a phone message today from my bank card security asking me to call. Wanted to verify my online transactions. I usually dont have a lot of online transactions but recently signed up for WeArehairy right when my bangrbos auto-renewed. Must have tripped a flag as I usuaully dont buy lots of stuff online. I do appreciate this as it shows my bank takes my security seriously. I just was wondering if anoyne else ever had this happen? With all the fraud out there today, it is something the banks are paranoid about as they eat charges for fraud. I think the operator new it was pretty obvious what the charges were for. It was kind of funny when she read the items for me to verify -- " We have a charge of $24.99 from BangBros help LTD"  | |
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| 02-04-12 02:01pm - 4705 days | #2 | |
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RagingBuddhist (0)
Disabled User  Posts: 893 Registered: Jan 23, '07 |
I've had Citibank call me a couple of times over the years and, yes, I think it's a good thing. I wish my bank was as vigilant with my debit card account as the credit card companies are with their accounts. Sarcasm is a body's natural defense against stupidity. | |
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| 02-04-12 03:51pm - 4705 days | #3 | ||
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turboshaft (0)
Active User Posts: 1,958 Registered: Apr 01, '08 |
Yes, and it's frankly the one good thing I have had from my bank and credit card accounts ("maintenance" fees, hidden charges, secretive account regulations, along with the other made-up bullshit, don't exactly make me jump for joy  ). Generally it's been from traveling where I haven't informed them ahead of time, which would suck anyway because you spend 30 minutes on hold to have them somehow interpret your call as "Okay, we'll go ahead and close your account."  Sometimes it's a real pain in the ass because, even after verifying your identity, they want you to confirm the exact amount, date, and name of business. I'm not careless or that forgetful, it's just that I don't memorize my charges down to the penny and then wait by the phone with a pile of receipts hoping the credit card company rings for a friendly fraud alert chat.
 You'd think they'd try and be a little less conspicuous in what your statement will actually say, and this is usually even a selling point for a lot of stores and sites. I'm guessing many couples share accounts and there's no chaste explanation for "BangBros" that would pass the wife test.  I'm sure it's interesting to work at a credit card company or bank and see who's the freakiest amongst your account holders. And who knows, maybe a good way to scout out new sites as well. "It's incredibly obvious, isn't it? A foreign substance is introduced into our precious bodily fluids without the knowledge of the individual. Certainly without any choice. That's the way your hardcore Commie works." - Gen. Jack D. Rippper, Dr. Stranglove | ||
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| 02-04-12 04:05pm - 4705 days | #4 | |
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gaypornolover (0)
Active User Posts: 153 Registered: Jul 09, '11 Location: Birmingham, UK |
Yeah it's happened to me a couple of times. Fortuantely my banks uses an automated system so it just has a machine read out the site name - less embarrassing than talking to a real person LOL! Sadly I've also had bank fraud a couple of times on my debit card, so I'm currently looking into prepaid cards to use online. | |
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| 02-04-12 04:30pm - 4705 days | #5 | |
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BubbaGump (0)
Active User Posts: 109 Registered: Jan 08, '12 Location: USA |
Yeah. I am surprised it was listed as 'BangBros help' All the other sites I subscribe to are more discreet with the billing name. It could be worse, though. If you were into fetish sites, you might get a call from the bank: "Sir, we are just calling to verify that it was indeed you who charged $24.99 to Fisting.com." "Yes man, that was me. it's a legit charge." | |
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| 02-05-12 07:47am - 4704 days | #6 | |
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Simarimas (0)
Active Webmaster  Posts: 75 Registered: Nov 05, '11 Location: dallas Texas |
I have had this happen to me also, a few times. I actually appreciate that they do this. I have also, as I stated in another thread, had my account blocked from any online activity at all, including checking my account online, until I called and reverified everything and set up new passwords. I was a bit miffed by this at first, but as soon as I started through the process, and found out someone had attempted to access my account from another country, I was really happy they had done it. A minor inconvenience for me, that perhaps saved me alot of money. Webmaster/Owner www.SeeMeTease.com amateur modeling site | |
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| 02-05-12 09:58am - 4704 days | #7 | |
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BubbaGump (0)
Active User Posts: 109 Registered: Jan 08, '12 Location: USA |
Yes, it is nice to know the bank has security in place. They would be insane not to, with all the fraud that takes place these days. They are the ones that end up eating the charge and it gets charged back to the vendor where the charge originated. The vendor is always responsibile for verifying that the individual making the charge is the actual card holder. This can't always be possible on the net and there will be fraud. But they end up eating the chargebacks, regardless. If it happens too much, the bank or cc company just shuts them out from CC billing altogether as they figure they are a liability. I have a mobile banking account set up as well so I always know what happens on any account I hold with my bank. Most people should sign up for this, especially if you make a lot of cc purchases online. I get instant notices of any and all deposits, debits, or cc purchased delivered wirelessly. It works efficiently, too. If I am filling up my car and swipe my debit card, by the time I am pulling out of the lot, my Iphone rings with the IM message about the transaction. If someone made a fraud charge on my account, I would know about it immediately. | |
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| 02-05-12 10:08am - 4704 days | #8 | |
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Drooler (0)
Disabled User  Posts: 1,831 Registered: Mar 11, '07 Location: USA |
I've had a few calls made to me over the years or things related. Once I suddenly couldn't use a card and had to pluck out another to cover something; soon called Company A and they'd suspended transactions over an online (porn) purchase attempt I'd made. But we got it straightened out quickly. I'm in agreement that I'd much rather have a security-conscious credit card company than one that lets things go. I once had a card with one of the name banks and was getting small unauthorized charges. Called and they said it was nothing surprising, happens all the time, and I then decided to just cancel the card, which they agreed to do over the phone, after the perfunctory stalling tactics and me being absolutely insistent. Then I get even more fucking little charges AFTER that and the bank puts a dispute on my credit report. So I just waited that one out, figuring that attempting to work with them might lead to more trouble. Fucking morons. I wanted something new, so I left England for New England. Edited on Feb 05, 2012, 10:12am | |
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| 02-05-12 02:21pm - 4704 days | #9 | |
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rearadmiral (0)
Active User Posts: 1,453 Registered: Jul 16, '07 Location: NB/Canada |
A couple of years ago I was streaming a bunch of older videos that I found at a reputable VOD site. The cost per video was low, maybe $5 or so, but there were several charges. I could see how this might look suspicious. My MasterCard provider called to make sure they were legitimate. | |
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| 02-05-12 10:28pm - 4704 days | #10 | |
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anyonebutme (0)
Active User  Posts: 294 Registered: Aug 23, '09 |
Usually when making a purchase from Europe. Two purchases from Europe in one day is an automatic fraud flag. Ha! No, once I was subscribing to a site for a webcam show with a specific girl - the way I subscribed required two transactions, and the second one kept failing. I already had to be a little clever with people that day to get the time off of work. Disappointed the cam show began without me. Then like 15 minutes later my cell phone rings, see it's a call from Florida, and the only time I get calls from Florida is one guy I do occasional work for, although he is a total jerk, turnover rate at his company is high because everyone eventually hates the man - I begrudgingly answer the call, and surprise it's my credit card company's fraud department! "Let the charge go through!" I shouted! | |
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| 02-06-12 02:40am - 4703 days | #11 | |
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turboshaft (0)
Active User Posts: 1,958 Registered: Apr 01, '08 |
I always fear it's going to be a call from my local branch (really happened to me with some recent non-porn travel charges), and then next time I'm there to deposit a check or whatever I'm going to get to the counter and the pretty clerk is going to see my name and the pervo/creep alarm in her brain is going to go off while she quietly looks around to check and see just how high the plexiglass bullet shield is.  "It's incredibly obvious, isn't it? A foreign substance is introduced into our precious bodily fluids without the knowledge of the individual. Certainly without any choice. That's the way your hardcore Commie works." - Gen. Jack D. Rippper, Dr. Stranglove | |
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| 02-06-12 08:00am - 4703 days | #12 | |
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t9chome (0)
Active User Posts: 78 Registered: Oct 30, '10 Location: usa |
Back when I was subscribed to a dozen or so sites at once I got a call from a lady with my card company asking if I had used the card to purchase some various "new" items. Well, several of the items I had purchased for at least 6 mos straight. When she got to them I told her she didn't need to be asking about stuff I had repeatedly purchased prior. She agreed and ended the call. So, I don't mind if I get a call from them, but they now know it had better be concerning possible fraudulent action. In the last year I've gotten several texts to my phone asking to approve a purchase instead of calls. That suits me just fine. | |
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| 02-06-12 10:02am - 4703 days | #13 | |
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Cybertoad (0)
Disabled User  Posts: 2,158 Registered: Jan 01, '08 Location: Wash |
I got a call awhile back maybe 5-6 years ago, I used my Businesses credit card . Umm but they thought it was fraud and called me, to verify I signed up for Catalina Cruz.com  Glad the card was in my name, guess that was a charge the IRS wont let me deduct. OH maybe for stress reduction Since 2007 | |
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| 02-06-12 11:53am - 4703 days | #14 | |
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Ed2009 (0)
Suspended Webmaster  Posts: 509 Registered: Sep 12, '09 Location: Wales, UK |
Don't forget to make the bank/card company prove who they are to you when they phone you. It's always important with financial transactions to ensure you should be talking to them in the first place. Webmaster of StripGameCentral and A Measure of Curiosity. | |
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| 02-06-12 01:37pm - 4703 days | #15 | |
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exotics4me (0)
Active User  Posts: 664 Registered: Jan 12, '07 Location: USA |
I have in the past, but the bank I have now has an online premium banking option. It's only $10 per year. All of my charges are updated real-time and they have a box beside them to tick if I didn't make it. This includes an app for my phone that I can turn on when away from a computer that will send me a text on each charge that is made. I'm not for sure if all banks have this option, but it's a lot better than like in 2006 when the bank called to tell me they auto-canceled my account to Eve Angel's site since it had been charging for 13 months straight. My first time I jacked off, I thought I'd invented it. I looked down at my sloppy handful of junk and thought, This is going to make me rich. - Chuck Palahniuk | |
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| 02-07-12 02:36am - 4702 days | #16 | |
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turboshaft (0)
Active User Posts: 1,958 Registered: Apr 01, '08 |
If only... U.S. tax code is at times both fascinating and perplexing, and I think you're allowed to deduct medical expenses over a certain percentage of your income--however "personal use items" are not deductible (I guess the U.S. would lose too much revenue if the various arsenals of sex toys in people's homes started being claimed as deductibles  ).Fun fact: vasectomies are deductible. "It's incredibly obvious, isn't it? A foreign substance is introduced into our precious bodily fluids without the knowledge of the individual. Certainly without any choice. That's the way your hardcore Commie works." - Gen. Jack D. Rippper, Dr. Stranglove | |
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| 02-23-12 11:46pm - 4685 days | #17 | |
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Doctor Blues (0)
Active User  Posts: 6 Registered: Jun 10, '11 Location: Campbell CA |
Sure. Mainly because (at this moment in time) I subscribe to 12 different sites. I had to kindly explain to the bank person on the phone that I was a "connoisseur" of porn and they should let me handle fraudulent charges as I monitor my account every day and sometimes twice or more. But I do understand why they bother: because in the end THEY wind up paying for it if it's fraud - so it's only fair for them to be a little snoopy. | |
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