| transcript | |
|---|---|
|
00:00 - 0:00:02
*Music*
|
|
|
0:00:02 – 0:00:31
[Music]
|
|
|
0:00:31 – 0:00:39
Hello and welcome to a new edition of the digression, where I occasionally,
|
|
|
0:00:39 – 0:00:50
In fact, it's always a bit off topic, more or less. Today's
|
|
|
0:00:50 – 0:01:01
The subject is once again completely private in nature. It's about rip-off, it's about abuse,
|
|
|
0:01:01 – 0:01:08
It's about card abuse. If you hear any noise in the background,
|
|
|
0:01:08 – 0:01:15
I apologise, it is my neighbors who live above me and not the
|
|
|
0:01:15 – 0:01:21
They are the quietest people. God bless them. Yes, yes.
|
|
|
0:01:21 – 0:01:38
Yes, the story is relatively simple. So let's just say last week I'm sitting on the weekend
|
|
|
0:01:38 – 0:01:46
so in the living room, rejoice in life, send my mobile phone for a moment and see, oh,
|
|
|
0:01:46 – 0:01:55
There was an activity on my PayPal account a minute or two ago. And I look,
|
|
|
0:01:55 – 0:02:12
Some 20, 21, 22 U.S. cents were deducted for some kind of bibliography or something. Don't tell me anything. Briefly
|
|
|
0:02:12 – 0:02:28
googled. Aha, some cell phone app. Well, not two minutes later came 350 euros for Miracle LLC.
|
|
|
0:02:28 – 0:02:39
And good, then I logged into my PayPal and looked. Okay, there's something
|
|
|
0:02:39 – 0:02:46
purchased via my parenthesis on Business parenthesis to credit card from PayPal.
|
|
|
0:02:46 – 0:02:50
Yes, you can do that.
|
|
|
0:02:50 – 0:02:52
In the meantime, I think you can also do this as a private customer,
|
|
|
0:02:52 – 0:02:56
If you have a business account, you can also
|
|
|
0:02:56 – 0:03:00
In the past, you could get a credit card, but
|
|
|
0:03:00 – 0:03:05
Yes, a linked credit card with an account, i.e. not a real credit card,
|
|
|
0:03:05 – 0:03:09
It's one that works like PayPal.
|
|
|
0:03:09 – 0:03:12
And what am I supposed to say?
|
|
|
0:03:12 – 0:03:14
Long story short.
|
|
|
0:03:14 – 0:03:20
I called PayPal.
|
|
|
0:03:20 – 0:03:25
It's not so easy until you get someone to do it.
|
|
|
0:03:25 – 0:03:28
because they now have a nonsense robot,
|
|
|
0:03:28 – 0:03:33
Then one of those things all the time and then,
|
|
|
0:03:33 – 0:03:40
"Yes, do this, do that. Do you have any questions? Yes." And these typical tricks,
|
|
|
0:03:40 – 0:03:53
Like singing melodically into the phone, so "la la li la la la lo" doesn't work.
|
|
|
0:03:53 – 0:04:00
And at some point I just got a person to talk about the business options,
|
|
|
0:04:00 – 0:04:06
a very nice gentleman, who also talked to me and because you are especially at the weekend
|
|
|
0:04:06 – 0:04:11
had to be fast, that must be before 7 p.m., because then the hotline is no longer occupied,
|
|
|
0:04:11 – 0:04:21
I have briefly described the one arrow and he said, yes, there was now a whole bunch
|
|
|
0:04:21 – 0:04:33
Activities within the last 30, 40 minutes. This Bible blip thing went through and the
|
|
|
0:04:33 – 0:04:40
Miracle Inc. or LCC. Then there's a whole bunch of blocked
|
|
|
0:04:40 – 0:04:48
activities. And I was like, okay, yeah, we gotta open a case now. I am like this,
|
|
|
0:04:48 – 0:04:50
But first we go and block the card.
|
|
|
0:04:50 – 0:04:54
Then he went, blocked the card, or canceled it.
|
|
|
0:04:54 – 0:04:56
He said you need a new one?
|
|
|
0:04:56 – 0:05:03
I do so, yes, because one or two things that are important to me are just running over the map.
|
|
|
0:05:03 – 0:05:11
He said, yes, I see that only three things have been charged for ages.
|
|
|
0:05:11 – 0:05:19
So once the domain and then still other things that I need for the
|
|
|
0:05:19 – 0:05:24
Podcasts are small amounts. I mean, I think so too
|
|
|
0:05:24 – 0:05:29
It's stupid that you need a credit card for this and that you can't do it via PayPal or ideally
|
|
|
0:05:29 – 0:05:35
It can be used as a SEPA procedure, but as sad as it is, it is so.
|
|
|
0:05:35 – 0:05:46
So, card blocked, a new one, made immediately and then I opened a case. Briefly
|
|
|
0:05:46 – 0:05:54
described situation and then I thought, I'm here at my hometown, I'm sitting here in Dortmund
|
|
|
0:05:54 – 0:06:03
and I'm not kind of … I didn't know the currency either, kind of like AF bla bla bla, he knew
|
|
|
0:06:03 – 0:06:08
Not even where it came from. Then I googled for a moment and then it was a currency from the
|
|
|
0:06:08 – 0:06:19
United Arab Emirates. And afterwards I googled what kind of company this is,
|
|
|
0:06:19 – 0:06:29
And that's one that sells adventure events and tickets for amusement parks back there.
|
|
|
0:06:29 – 0:06:40
Yes, it's all done and then you have to wait. Someday they'll have the money.
|
|
|
0:06:40 – 0:06:47
However, I had already withdrawn from my account, but had already transferred the sum to me beforehand.
|
|
|
0:06:47 – 0:06:55
And then it says yes, they need somehow eight or ten days,
|
|
|
0:06:55 – 0:07:03
You have time to deal with this case. And then every day you look at your email account,
|
|
|
0:07:03 – 0:07:09
what you have especially for Paypal, then you look all the time in Paypal,
|
|
|
0:07:09 – 0:07:15
Whether there are any actions. And today, I record this now on Saturday, then finally came the message,
|
|
|
0:07:15 – 0:07:24
The case was decided in my favor. I wonder how people come
|
|
|
0:07:24 – 0:07:34
to the credit cards there. I have, too. I said earlier that I was only
|
|
|
0:07:34 – 0:07:46
One, two, three things to pay for. These are the domainers, come once a year,
|
|
|
0:07:46 – 0:07:58
And two subscriptions for services I need for a podcast. They are due at the beginning of the month.
|
|
|
0:07:58 – 0:08:06
So, one is almost at the end and the other is at the beginning, so both are about due there.
|
|
|
0:08:06 – 0:08:17
And then you can see that for years now, since 2018 exactly, these are just these
|
|
|
0:08:17 – 0:08:27
Three things that happen regularly. And they are connected via Stripe. I've seen that now
|
|
|
0:08:27 – 0:08:34
I gave it after I re-established it, as in the new credit card number. And
|
|
|
0:08:34 – 0:08:43
Stripe is safe. There was no data leak or anything. So, we're at my credit card number
|
|
|
0:08:43 – 0:08:50
with the security number and so on. And then it fell like scales in front of my eyes.
|
|
|
0:08:50 – 0:08:57
Two years ago, the big TikTok account of my significant other, Sarah,
|
|
|
0:08:57 – 0:09:07
It's been blocked. We went live every night at the time. I cooked and
|
|
|
0:09:07 – 0:09:14
Then we ate together. And after her big account was gone, she
|
|
|
0:09:14 – 0:09:20
put in their second account, took the stop for livestreaming,
|
|
|
0:09:20 – 0:09:26
But you can only stream live if you have 1000 followers there. That's what she's got
|
|
|
0:09:26 – 0:09:34
But I didn't have it at the time. Then we went out and took over some of them.
|
|
|
0:09:34 – 0:09:42
Page, I don't remember which one that is, I think Follower King was that, Follower for TikTok
|
|
|
0:09:42 – 0:09:52
I bought it just to be able to do it with the livestream. We were able to live on the same day.
|
|
|
0:09:52 – 0:10:00
We just had to wait until the others came back, our regular
|
|
|
0:10:00 – 0:10:10
spectators. Because we had so many regular spectators who waited for it every night,
|
|
|
0:10:10 – 0:10:23
We have come. For me it was 30, 40 and for Sarah 1000 on average. When it's bad
|
|
|
0:10:23 – 0:10:32
It was 200, if it went well, 10,000, and it was a whole show. And to simply
|
|
|
0:10:32 – 0:10:37
We went through all this and bought followers.
|
|
|
0:10:37 – 0:10:44
Now nothing has happened in the whole period. As I said, if there is any activity
|
|
|
0:10:44 – 0:10:49
Paypal are, you get an instant notification. I mean, you probably know Paypal. Everyone,
|
|
|
0:10:49 – 0:10:57
If you use it, you know how it works. And nothing ever happened because I've got the stuff
|
|
|
0:10:57 – 0:11:04
separated. So everything that is now connected to the Internet is decoupled from
|
|
|
0:11:04 – 0:11:11
My own private. My personal PayPal is different. You can order pizza or stop.
|
|
|
0:11:11 – 0:11:20
Döner. Things you order on the internet are paid for. But you know,
|
|
|
0:11:20 – 0:11:27
What they did. And the other thing, where also the support, if you let me
|
|
|
0:11:27 – 0:11:34
support in the market, lands on it, that's just an independent account. And then there's also
|
|
|
0:11:34 – 0:11:42
the credit card over it, which is just for these purposes. Yes, and this is the only logical
|
|
|
0:11:42 – 0:11:48
Explanation, the explainable, because at that time I already had difficulties to pay,
|
|
|
0:11:48 – 0:11:57
because in three attempts twice that was rejected, the payment, and only quasi the third time
|
|
|
0:11:57 – 0:12:04
It's gone through. And if you get a little bit involved with the subject, you'll find
|
|
|
0:12:04 – 0:12:13
Find out that this is a common scam. These sites would either be located in the Far East
|
|
|
0:12:13 – 0:12:25
or in the Middle East. And they collect cards into packages and they have the number,
|
|
|
0:12:25 – 0:12:35
they have this three-digit code number, i.e. this number of cards – I have no idea,
|
|
|
0:12:35 – 0:12:38
what that means – this three-digit number, which you have to type in,
|
|
|
0:12:38 – 0:12:49
and the expiration date. And they wait so long until the card, yes, so to speak,
|
|
|
0:12:49 – 0:12:53
all these transactions have come to be forgotten and which still have a certain amount of time
|
|
|
0:12:53 – 0:13:02
are valid. And that happened to me. The good man I talked to about it,
|
|
|
0:13:02 – 0:13:10
PayPal said it happens more often. This, of course, is annoying for them, because if they
|
|
|
0:13:10 – 0:13:16
If they don't get the coal back from the merchants, they'll stay on top of the cost. But
|
|
|
0:13:16 – 0:13:27
You are insured for that. It's just a miserable mockery. My girlfriend had
|
|
|
0:13:27 – 0:13:33
immediately the panic in her eyes that she now knows what costs are coming to us,
|
|
|
0:13:33 – 0:13:45
That we are then just before the ruins, because now we know what is being debited. There really was one
|
|
|
0:13:45 – 0:13:54
neat soft between the two of us, because of course I do not immediately look in their eyes,
|
|
|
0:13:54 – 0:14:02
I immediately took care of it. I just logged in to my account, so you have to
|
|
|
0:14:02 – 0:14:09
look what kind of thing is, then open another window and first on a cell phone and then
|
|
|
0:14:09 – 0:14:17
Later on the PC. And there it just rocked up and there was just stress, totally unnecessary,
|
|
|
0:14:17 – 0:14:28
Because, let's say, a total of 40 minutes later, the matter had been resolved with PayPal. But
|
|
|
0:14:28 – 0:14:39
then you sit there and then you have someone who is still there poison and bile on the spit and must
|
|
|
0:14:39 – 0:14:47
Then you have to deal with such a stupid telephone robot and still have the peace and quiet,
|
|
|
0:14:47 – 0:14:51
You have all the windows open. Now, even if you forget to update,
|
|
|
0:14:51 – 0:14:56
Then there is this secret number, if you just look over the page the number
|
|
|
0:14:56 – 0:15:01
Now you've opened a case, so it's verified that you're holding the case.
|
|
|
0:15:01 – 0:15:11
and the person is. If there is such a four- or six-digit number, that is. And yes, then go
|
|
|
0:15:11 – 0:15:16
Close the window because you are forced to leave. You have to log in again because you
|
|
|
0:15:16 – 0:15:22
Two-factor login enabled. What I always feel the last fight, anyway,
|
|
|
0:15:22 – 0:15:29
But for safety reasons, that's the least you have to do. So I already have a
|
|
|
0:15:29 – 0:15:35
exotically long password, which no one can remember, even I can not remember, because large
|
|
|
0:15:35 – 0:15:44
"Z", small "B", a number, a special character, you did not see and so on. So everything,
|
|
|
0:15:44 – 0:15:52
What the Uni-ASCII code gives is in there, except for these very exotic characters. And if
|
|
|
0:15:52 – 0:16:01
then you don't have a good safe with a password in it and you really have to think about it
|
|
|
0:16:01 – 0:16:07
How to make things as difficult as possible for people. There are so many things,
|
|
|
0:16:07 – 0:16:17
where I have a two-factor login active, where I always think, be it the Onlyfans account,
|
|
|
0:16:17 – 0:16:25
It's the WordPress. And everywhere you fly out after 30 days at the latest and have to do it again.
|
|
|
0:16:25 – 0:16:36
Then this is always such a thing with this autification app and that just annoys, that annoys.
|
|
|
0:16:36 – 0:16:43
And then when you've had one thing like that, you're thinking like, well, now you're thinking about it all and
|
|
|
0:16:43 – 0:16:45
And then that's another weak point.
|
|
|
0:16:45 – 0:16:47
This is due to a weak point in the system.
|
|
|
0:16:47 – 0:16:51
And I always think back to the time,
|
|
|
0:16:51 – 0:16:55
If you had credit cards,
|
|
|
0:16:55 – 0:16:57
but was not immediately informed,
|
|
|
0:16:57 – 0:17:00
That something's been going on now.
|
|
|
0:17:00 – 0:17:02
And such a debit card,
|
|
|
0:17:02 – 0:17:07
who also has visas or maestros or whatever that means,
|
|
|
0:17:07 – 0:17:10
It is then linked to the account.
|
|
|
0:17:10 – 0:17:18
That is, there is no credit agreement at all, but I charge the card and short
|
|
|
0:17:18 – 0:17:19
This will be charged to my account.
|
|
|
0:17:19 – 0:17:24
And if I don't regularly check my account, I wonder why I'm
|
|
|
0:17:24 – 0:17:25
15.
|
|
|
0:17:25 – 0:17:31
I don't have any money anymore because some slavin went there and somewhere in the world
|
|
|
0:17:31 – 0:17:33
booked a nice holiday.
|
|
|
0:17:33 – 0:17:38
It's really hard and sad.
|
|
|
0:17:38 – 0:17:47
When you think about when this will happen, especially what kind of racing you have. And as I said,
|
|
|
0:17:47 – 0:17:56
These cards have been around for a long time. So 2000, when was the first time I had cards like this?
|
|
|
0:17:56 – 0:18:04
Wait, I only ever got that 0 on 15 bank card because I didn't need that at all.
|
|
|
0:18:04 – 0:18:23
2, 2, 2, 2, 1, yes. And my first real credit card I had, that was 98, no 89,
|
|
|
0:18:23 – 0:18:34
No, 98. 89 can't be because, haha, you're too young. 98? I was 21. Yes, I have mine
|
|
|
0:18:34 – 0:18:44
First real credit card and for a longer stay abroad. Hm. But there you have
|
|
|
0:18:44 – 0:18:48
You didn't get an immediate notification, but you got a bill by letter and then
|
|
|
0:18:48 – 0:18:54
If you were unlucky, you had to take care of it 30 days later. All right, that was all
|
|
|
0:18:54 – 0:19:05
halfway. So I once had a bug book around and there you have jumped
|
|
|
0:19:05 – 0:19:10
Take care of it. But I don't know what it's like when it happens all at once, when it happens more often.
|
|
|
0:19:10 – 0:19:20
I don't know. It had definitely been so that I felt the most annoying,
|
|
|
0:19:20 – 0:19:30
I'll take care of it. And then there's a friend sitting around in her fear and
|
|
|
0:19:30 – 0:19:36
Panic then becomes irrational and then louder and then I get louder. I mean, if you have two
|
|
|
0:19:36 – 0:19:41
Borderliner packs up and no matter how well they are in control, in such
|
|
|
0:19:41 – 0:19:48
In extreme situations, continuance cannot be maintained. And then this got really loud,
|
|
|
0:19:48 – 0:19:57
very loud. That's what half the neighborhood in the area will have heard. As it is usually relatively
|
|
|
0:19:57 – 0:20:08
warm, so a normal summer day, then the windows are open. Yeah, wonderful. How good that I
|
|
|
0:20:08 – 0:20:16
I don't care what my effect is on the outside. This is the little story,
|
|
|
0:20:16 – 0:20:27
How they tried to rip me off. I think it's just crazy that when you're
|
|
|
0:20:27 – 0:20:41
Thoughts about using hate words, double autopiction, i.e. two ways,
|
|
|
0:20:41 – 0:20:56
Then you get emails and something like that about another vulnerability, then you try to
|
|
|
0:20:56 – 0:21:04
Stop ripping off. That's really bad. These are my final thoughts on the subject.
|
|
|
0:21:04 – 0:21:11
I know I haven't drifted off again, excuse me, Frankstown. I swore this
|
|
|
0:21:11 – 0:21:17
Format, this name just far too little off, but sometimes I think that's just
|
|
|
0:21:17 – 0:21:23
the topic that you can not wander so far away or the topic is so
|
|
|
0:21:23 – 0:21:29
It's important to stay focused like that. I think you know and especially you know how it is.
|
|
|
0:21:29 – 0:21:40
So, thank you for listening and until next time or the next format here
|
|
|
0:21:40 – 0:21:47
on the Lautfunk channel, podcast or whatever. Farewell to you!
|
|
|
0:21:47 – 0:21:49
[Music]
|
|
|
0:21:49 – 0:21:52
[Music]
|
|
|
0:21:52 – 0:21:58
[Music]
|
|
|
0:21:58 – 0:22:04
[Music]
|
|
|
0:22:04 – 0:22:10
[Music]
|
|
|
0:22:10 – 0:22:16
[Music]
|
|
|
0:22:16 – 0:22:19
[Music]
|
|
|
0:22:19 – 0:22:25
[Music]
|
|
|
0:22:25 – 0:22:31
[Music]
|
|
|
0:22:31 – 0:22:37
[Music]
|
|
|
0:22:37 – 0:22:43
[Music]
|
|
|
0:22:43 – 0:22:46
[Music]
|
|
|
0:22:46 – 0:22:52
[Music]
|
|
|
0:22:52 – 0:22:58
[Music]
|
|
|
0:22:58 – 0:23:04
[Music]
|
|
|
0:23:04 – 0:23:10
[Music]
|
|
|
0:23:10 – 0:23:13
[Music]
|
|
|
0:23:13 – 0:23:19
[Music]
|
|
|
0:23:19 – 0:23:25
[Music]
|
|
|
0:23:25 – 0:23:31
[Music]
|
|
|
0:23:31 – 0:23:38
[Music]
|
|
|
0:23:38 – 0:23:41
[Music]
|
|
|
0:23:41 – 0:23:47
[Music]
|
|
|
0:23:47 – 0:23:53
[Music]
|
|
|
0:23:53 – 0:23:59
[Music]
|
|
|
0:23:59 – 0:24:05
[Music]
|
|
|
0:24:05 – 0:24:08
[Music]
|
|
|
0:24:08 – 0:24:14
[Music]
|
|
|
0:24:14 – 0:24:20
[Music]
|
|
|
0:24:20 – 0:24:26
[Music]
|
|
|
0:24:26 – 0:24:32
[Music]
|
|
|
0:24:32 – 0:24:35
[Music]
|
|
|
0:24:35 – 0:24:42
[Music]
|
|
|
0:24:42 – 0:24:48
[Music]
|
|
|
0:24:48 – 0:24:55
[Music]
|
|
|
0:25:00 – 0:25:03
[Music]
|
|
|
0:25:03 – 0:25:09
[Music]
|
|
|
0:25:09 – 0:25:15
[Music]
|
|
|
0:25:15 – 0:25:21
[Music]
|
|
|
0:25:21 – 0:25:28
[Music]
|
|
|
0:25:28 – 0:25:31
[Music]
|
|
|
0:25:31 – 0:25:37
[Music]
|
|
|
0:25:37 – 0:25:43
[Music]
|
|
|
0:25:43 – 0:25:49
[Music]
|
|
|
0:25:49 – 0:25:55
[Music]
|
|
|
0:25:55 – 0:26:06
[Music]
|
|
|
0:26:06 – 0:26:08
[Music]
|
In this very personal episode of The digression I'm talking about a topic that everyone knows, but nobody wants to experience: Credit card abuse. What began as a harmless push notification on the phone developed into a nerve-wracking odyssey with PayPal, hotline robots, two-factor registration and the big question mark: How did my data fall into the wrong hands?
I take you behind the scenes of my digital infrastructure, describe the course of the fraud attempt and reflect openly on the consequences – technical, emotional and relationship-related. Spoilers: Two borderliners in a stressful situation – that has explosive power.
A consequence between security madness, digital paranoia and real everyday madness. For anyone who thinks you have something like this not can happen – or already know exactly how it feels.
🧩 Chronological overview of topics
- Introduction & Background noise
– Welcome in the typical style of digression
– Indication of possible noise from neighbours - The First Moment of Shock
– Unexpected debit on the PayPal account
– Short search on ‘Bibliblipp’ and ‘Miracle LLC’ - The battle with PayPal customer service
– Difficulties with the Sprachbot
– The trick with the business channel and human support
– Block a card, apply for a new one, open a case - Research & Analysis
– Origin of the entries (UAE)
– Review of old payments and services via Stripe
– Security awareness: Only three regular payments for years - The Probable Cause
– Reminder of the TikTok follower purchase two years ago
– Link to dubious pages and potential data leaks - Emotional state of emergency
– Conflict with Sarah due to stress and misunderstandings
– Escalation of an extreme situation under psychological pressure - Technical reflection
– Frustration with two-factor authentication, password rules
– Thoughts on digital security, authentication apps & limitations - Social and personal classification
– Review of the development of credit cards & Security
– Difference between earlier paper billing and today's instant information
– Feeling of helplessness despite maximum caution - Final thoughts
– Criticism of the alleged security of digital systems
– Thanks to the listeners
– Reflection on digression – or rather not this time
Advertising:
Related episodes:
Contributors to this episode
Sascha
Playing time: 0:26:08
Date of admission: 05.07.25
This episode is from season 4, there are a total of 4 seasons.
One According to Funk Publication Cartel Production - Where stories are transmitted unmistakably.
Podcast license:
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License
Note: This post contains affiliate links. If you shop through these links, I'll get a small commission at no extra cost to you.
Related posts
Discover more from LautFunk Podcast & Blog
Subscribe to get the latest posts sent to your email.
Author: Sascha Markmann
Sascha Markmann is a creative mind with a moving biography – and a person who has rediscovered life after a stroke. After working as a paramedic and elderly caregiver, Sascha found his way into creative expression. As a blogger, podcaster, musician and visual storyteller, he brings together things that just don't fit at first glance: He combines his keen enthusiasm for technology – from self-hosted servers to electronic music production – with emotional depth and an oblique sense of humor. His contributions are somewhere between borderline, acid basslines and assistance – honestly, directly and with a wink. Guiding principle: “Audio-visual dullness with no usefulness – but perhaps that's why it's so valuable.” View all posts by Sascha Markmann
English
I think each of us has a credit card history in our hands. Your story made sure that I had to log in to Santander to see if I was affected again 😉