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*Music*
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0:00:02 – 0:00:31
[Music]
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Hello and welcome to a new edition of the digression, where I occasionally,
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0:00:39 – 0:00:50
In fact, it's always a bit off topic, more or less. Today's
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0:00:50 – 0:01:01
The subject is once again completely private in nature. It's about rip-off, it's about abuse,
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0:01:01 – 0:01:08
It's about card abuse. If you hear any noise in the background,
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I apologise, it is my neighbors who live above me and not the
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They are the quietest people. God bless them. Yes, yes.
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Yes, the story is relatively simple. So let's just say last week I'm sitting on the weekend
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0:01:38 – 0:01:46
so in the living room, rejoice in life, send my mobile phone for a moment and see, oh,
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There was an activity on my PayPal account a minute or two ago. And I look,
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Some 20, 21, 22 U.S. cents were deducted for some kind of bibliography or something. Don't tell me anything. Briefly
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googled. Aha, some cell phone app. Well, not two minutes later came 350 euros for Miracle LLC.
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And good, then I logged into my PayPal and looked. Okay, there's something
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purchased via my parenthesis on Business parenthesis to credit card from PayPal.
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Yes, you can do that.
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In the meantime, I think you can also do this as a private customer,
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If you have a business account, you can also
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In the past, you could get a credit card, but
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Yes, a linked credit card with an account, i.e. not a real credit card,
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It's one that works like PayPal.
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And what am I supposed to say?
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Long story short.
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I called PayPal.
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It's not so easy until you get someone to do it.
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because they now have a nonsense robot,
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Then one of those things all the time and then,
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"Yes, do this, do that. Do you have any questions? Yes." And these typical tricks,
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Like singing melodically into the phone, so "la la li la la la lo" doesn't work.
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And at some point I just got a person to talk about the business options,
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a very nice gentleman, who also talked to me and because you are especially at the weekend
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had to be fast, that must be before 7 p.m., because then the hotline is no longer occupied,
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I have briefly described the one arrow and he said, yes, there was now a whole bunch
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Activities within the last 30, 40 minutes. This Bible blip thing went through and the
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Miracle Inc. or LCC. Then there's a whole bunch of blocked
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activities. And I was like, okay, yeah, we gotta open a case now. I am like this,
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But first we go and block the card.
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Then he went, blocked the card, or canceled it.
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He said you need a new one?
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I do so, yes, because one or two things that are important to me are just running over the map.
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He said, yes, I see that only three things have been charged for ages.
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So once the domain and then still other things that I need for the
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Podcasts are small amounts. I mean, I think so too
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It's stupid that you need a credit card for this and that you can't do it via PayPal or ideally
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It can be used as a SEPA procedure, but as sad as it is, it is so.
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So, card blocked, a new one, made immediately and then I opened a case. Briefly
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described situation and then I thought, I'm here at my hometown, I'm sitting here in Dortmund
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and I'm not kind of … I didn't know the currency either, kind of like AF bla bla bla, he knew
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Not even where it came from. Then I googled for a moment and then it was a currency from the
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United Arab Emirates. And afterwards I googled what kind of company this is,
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And that's one that sells adventure events and tickets for amusement parks back there.
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Yes, it's all done and then you have to wait. Someday they'll have the money.
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However, I had already withdrawn from my account, but had already transferred the sum to me beforehand.
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And then it says yes, they need somehow eight or ten days,
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You have time to deal with this case. And then every day you look at your email account,
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what you have especially for Paypal, then you look all the time in Paypal,
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Whether there are any actions. And today, I record this now on Saturday, then finally came the message,
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The case was decided in my favor. I wonder how people come
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to the credit cards there. I have, too. I said earlier that I was only
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One, two, three things to pay for. These are the domainers, come once a year,
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And two subscriptions for services I need for a podcast. They are due at the beginning of the month.
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So, one is almost at the end and the other is at the beginning, so both are about due there.
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And then you can see that for years now, since 2018 exactly, these are just these
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Three things that happen regularly. And they are connected via Stripe. I've seen that now
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I gave it after I re-established it, as in the new credit card number. And
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Stripe is safe. There was no data leak or anything. So, we're at my credit card number
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with the security number and so on. And then it fell like scales in front of my eyes.
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Two years ago, the big TikTok account of my significant other, Sarah,
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It's been blocked. We went live every night at the time. I cooked and
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Then we ate together. And after her big account was gone, she
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put in their second account, took the stop for livestreaming,
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But you can only stream live if you have 1000 followers there. That's what she's got
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But I didn't have it at the time. Then we went out and took over some of them.
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Page, I don't remember which one that is, I think Follower King was that, Follower for TikTok
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I bought it just to be able to do it with the livestream. We were able to live on the same day.
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We just had to wait until the others came back, our regular
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spectators. Because we had so many regular spectators who waited for it every night,
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We have come. For me it was 30, 40 and for Sarah 1000 on average. When it's bad
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It was 200, if it went well, 10,000, and it was a whole show. And to simply
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We went through all this and bought followers.
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Now nothing has happened in the whole period. As I said, if there is any activity
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Paypal are, you get an instant notification. I mean, you probably know Paypal. Everyone,
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If you use it, you know how it works. And nothing ever happened because I've got the stuff
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separated. So everything that is now connected to the Internet is decoupled from
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My own private. My personal PayPal is different. You can order pizza or stop.
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Döner. Things you order on the internet are paid for. But you know,
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What they did. And the other thing, where also the support, if you let me
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support in the market, lands on it, that's just an independent account. And then there's also
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the credit card over it, which is just for these purposes. Yes, and this is the only logical
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Explanation, the explainable, because at that time I already had difficulties to pay,
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because in three attempts twice that was rejected, the payment, and only quasi the third time
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It's gone through. And if you get a little bit involved with the subject, you'll find
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Find out that this is a common scam. These sites would either be located in the Far East
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or in the Middle East. And they collect cards into packages and they have the number,
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they have this three-digit code number, i.e. this number of cards – I have no idea,
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what that means – this three-digit number, which you have to type in,
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and the expiration date. And they wait so long until the card, yes, so to speak,
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all these transactions have come to be forgotten and which still have a certain amount of time
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are valid. And that happened to me. The good man I talked to about it,
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PayPal said it happens more often. This, of course, is annoying for them, because if they
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If they don't get the coal back from the merchants, they'll stay on top of the cost. But
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You are insured for that. It's just a miserable mockery. My girlfriend had
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immediately the panic in her eyes that she now knows what costs are coming to us,
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That we are then just before the ruins, because now we know what is being debited. There really was one
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neat soft between the two of us, because of course I do not immediately look in their eyes,
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I immediately took care of it. I just logged in to my account, so you have to
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look what kind of thing is, then open another window and first on a cell phone and then
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Later on the PC. And there it just rocked up and there was just stress, totally unnecessary,
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Because, let's say, a total of 40 minutes later, the matter had been resolved with PayPal. But
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then you sit there and then you have someone who is still there poison and bile on the spit and must
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Then you have to deal with such a stupid telephone robot and still have the peace and quiet,
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You have all the windows open. Now, even if you forget to update,
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Then there is this secret number, if you just look over the page the number
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Now you've opened a case, so it's verified that you're holding the case.
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and the person is. If there is such a four- or six-digit number, that is. And yes, then go
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Close the window because you are forced to leave. You have to log in again because you
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Two-factor login enabled. What I always feel the last fight, anyway,
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But for safety reasons, that's the least you have to do. So I already have a
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exotically long password, which no one can remember, even I can not remember, because large
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"Z", small "B", a number, a special character, you did not see and so on. So everything,
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What the Uni-ASCII code gives is in there, except for these very exotic characters. And if
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then you don't have a good safe with a password in it and you really have to think about it
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How to make things as difficult as possible for people. There are so many things,
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where I have a two-factor login active, where I always think, be it the Onlyfans account,
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It's the WordPress. And everywhere you fly out after 30 days at the latest and have to do it again.
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Then this is always such a thing with this autification app and that just annoys, that annoys.
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And then when you've had one thing like that, you're thinking like, well, now you're thinking about it all and
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And then that's another weak point.
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This is due to a weak point in the system.
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And I always think back to the time,
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If you had credit cards,
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but was not immediately informed,
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That something's been going on now.
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And such a debit card,
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who also has visas or maestros or whatever that means,
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It is then linked to the account.
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That is, there is no credit agreement at all, but I charge the card and short
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This will be charged to my account.
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And if I don't regularly check my account, I wonder why I'm
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15.
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I don't have any money anymore because some slavin went there and somewhere in the world
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booked a nice holiday.
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It's really hard and sad.
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When you think about when this will happen, especially what kind of racing you have. And as I said,
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These cards have been around for a long time. So 2000, when was the first time I had cards like this?
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Wait, I only ever got that 0 on 15 bank card because I didn't need that at all.
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2, 2, 2, 2, 1, yes. And my first real credit card I had, that was 98, no 89,
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No, 98. 89 can't be because, haha, you're too young. 98? I was 21. Yes, I have mine
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First real credit card and for a longer stay abroad. Hm. But there you have
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You didn't get an immediate notification, but you got a bill by letter and then
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If you were unlucky, you had to take care of it 30 days later. All right, that was all
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halfway. So I once had a bug book around and there you have jumped
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Take care of it. But I don't know what it's like when it happens all at once, when it happens more often.
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I don't know. It had definitely been so that I felt the most annoying,
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I'll take care of it. And then there's a friend sitting around in her fear and
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Panic then becomes irrational and then louder and then I get louder. I mean, if you have two
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Borderliner packs up and no matter how well they are in control, in such
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In extreme situations, continuance cannot be maintained. And then this got really loud,
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very loud. That's what half the neighborhood in the area will have heard. As it is usually relatively
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warm, so a normal summer day, then the windows are open. Yeah, wonderful. How good that I
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I don't care what my effect is on the outside. This is the little story,
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How they tried to rip me off. I think it's just crazy that when you're
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Thoughts about using hate words, double autopiction, i.e. two ways,
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Then you get emails and something like that about another vulnerability, then you try to
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Stop ripping off. That's really bad. These are my final thoughts on the subject.
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I know I haven't drifted off again, excuse me, Frankstown. I swore this
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Format, this name just far too little off, but sometimes I think that's just
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the topic that you can not wander so far away or the topic is so
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It's important to stay focused like that. I think you know and especially you know how it is.
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So, thank you for listening and until next time or the next format here
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on the Lautfunk channel, podcast or whatever. Farewell to you!
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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
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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.
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