Osko - I've been scammed haven't I?

Lbkate92 on 19/11/2019 - 16:53

damn I am a) stupid and b) way too trusting.

I was selling my old iphone on Facebook for $850. A lady 2 hours away said she'd be able to collect it on the day (yesterday)
We agreed on a bank transfer that she did via OSKO. She sent me a screenshot of her bank statement which showed -$850 and also showed she had entered my acc number and bsb correctly. I thought the payments were immediate and after an hour I messaged her on facebook to say it hadn't come through. An hour later she arrives at my house and tells me she only just saw my fb message and was already on her way.

The money wasn't in my account but I thought with the screenshotted statement showing $850 out of her account, it was safe to go ahead and I assumed I'd get the money later in the day.

It's been over 24 hours and I just googled osko scams to find that with first payments, osko withold the money for 24 hours to make sure it's not fraud. So I assume she flagged the transaction to me as fraud so got the money reversed back into her account…

Her facebook profile has since disappeared. She hasn't blocked my number but my calls are just ringing out… been played haven't I??

Financial

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Comments

  • modsec802 on 19/11/2019 - 16:54
    +198

    Yep

  • spackbace on 19/11/2019 - 16:55
    +40

    Yup

  • blonky on 19/11/2019 - 16:56
    +38

    Yep Osko has always cleared within seconds for me even first transaction

    • bigbadboogieman on 20/11/2019 - 07:27
      +3

      Yep… What I have seen is that the money shows up in account balance but doesn't show up as available balance. Having said that this doesn't prevent a charge back claiming mistaken payment.

    • eecan on 20/11/2019 - 15:04
      +3

      I have zero doubt OP was scammed (who trusts screenshots these days?) but Osko has taken a day or so to clear for me before with first time transactions between my own accounts with different banks.

    • jzx100 on 20/11/2019 - 15:40
      +1

      I had the same experience until a person I send money too, every so often, took 3 days to clear using OSKO(cleared on a Saturday), so yes I agree it's instantaneous, there maybe sometimes where it's not!

    • [Deactivated] on 20/11/2019 - 21:40
      +2

      CBA holds my osko payments for some reason 1~2 days

      • capslock janitor on 23/11/2019 - 16:58

        I did a 'first' transfer from NAB > CBA took about 12 hours

  • bkate92 on 19/11/2019 - 16:57
    +43

    hahahaha awesome…. feel like such a (profanity)!! I really thought seeing the -$850 on her statement meant it was safe…urgh people suck

    • davohatcher on 19/11/2019 - 17:10
      +22

      Wouldn't it have just been a photo shopped screenshot?, type your account details and the value you want etc, make it look real.

      • PurchaseAnxiety on 20/11/2019 - 09:56
        +64

        Don't even need photoshop, if she showed a web based statement. Right click on any part of a web page, click 'inspect', and change the content to whatever you like. E.g. https://i.imgur.com/VX6Ns9a.png

        • pformag on 20/11/2019 - 18:18
          +2

          Thank you for changing me life.

        • username999 on 21/11/2019 - 17:40

          That's so cool lol.. Even though I acutally still dont know how you did that. Goes to show how bad I am with computer stuff haha

        • pinkybrain on 21/11/2019 - 21:49

          wow thanks for sharing…

          hehe
          now everyone reading this can be a scammer (if they choose)

        • ashanrath on 22/11/2019 - 09:14
          +1

          Never trust what's on someone else's phone browser either. You can hook up your phone to PC, connect the chrome sessions and alter your phone's browser the same as your PCs.

    • dizzle on 19/11/2019 - 20:24
      +11

      Always wait until you see it in your account. I don't care what transfer method they use or what receipt they show. Once it's in your account they can pick it up.

      • theo96 on 20/11/2019 - 07:39
        +3

        Exactly, why would you trust what some stranger shows you on their phone?

      • SkMed on 20/11/2019 - 10:46
        +7

        Nope, I almost got scammed even when the amount came up in MY bank account. There is a scam that involves depositing a check using an ATM, so the money will show in your statement but not actually cleared or useable. About a week later the check will bounce and money gone. Almost got me with that one. CASH ONLY from now on.

        • SaberX on 21/11/2019 - 12:18
          +2

          Hmmm but this would show via your online banking there would be a difference between available balance and balance right??

          Im in a similar situation. Got a buyer in mon night before midnight to bank deposit for a laptop as he wants to pick it up weekend and i had other buyers. So to secure it he paid me. Difference is this was 11pm at night so no ATM… and as he sent me the screenshot i checked and it was in my bank via OSKO so as far as i am aware it is instantaneous. All those saying it takes days to clear im not sure why. Maybe it isnt OSKO.

          However now im regretting as one last method of scam i realised is the only way they can reverse a cleared payment is if it was a fraudulent payment e.g. someoned account was hacked and transferred.

          I can only trust in the buyer is picking up on weekend so that's one week nearly between payment so surely anyone scamming would want goods straight away. Then again im also now wondering why any person would ebank someone so willingly to secure my 2nd hand laptop. It's only $250 but maybe i am the cynical one and the buyer is just someone who thinks people are trustworthy e.g. i wont run off with his money. He even screenshotted his bank statement and given his address is on there im tempted to call a bluff and drive there to drop it rather than save myself time by meeting at my local. Bettee safe than sorry.

          This all would have been avoided by making it cash on sale. Point being never direct depositing over 100 again. I doubt a scammer would use a compromised acct on a less than $100cash purchase so at least it's a better risk probability.

          It sucks as selling non locally is an issue. As paypal can be reversed. Efts can be etc.

        • capslock janitor on 23/11/2019 - 17:15

          Then tell them to wait for the funds to clear duh

    • poboy on 19/11/2019 - 20:35
      +29

      If it's any consolation, you've learned a life lesson you will always remember. Better to be scammed early in life for a 'small' amount, than be scammed for thousands later in life.

      My sympathies.

    • jacross on 20/11/2019 - 08:14

      An expensive lesson in not being such a gullibull, or even gullicalf.

      Fun fact: they could airbrush people out of photos 100 years ago.

      • sleepy le beef on 23/11/2019 - 07:20
        +1

        Waynes World 2 is up on Stan I see…..

    • Zonty on 20/11/2019 - 08:23

      Just mass it up her face book account and say how shitty person she is. If she had block you go to friend list and tell others.

    • caileach on 21/11/2019 - 21:15
      +2

      Her facebook profile has since disappeared.

      Maybe she has just blocked you, if you block someone, they won't be able to see your facebook page.

      Get someone else to see if they can see her page.

  • EightImmortals on 19/11/2019 - 16:59
    +19

    So did you grab her rego number when she arrived at your place? Drivers license details?

    • follow on 19/11/2019 - 17:47
      +11

      bet they're not "2 hours away"

  • bobbified on 19/11/2019 - 17:00
    +81

    Seriously, why don't people ask for cash if they're going to be meeting in person? If just doesn't make sense to do a transfer or use paypal and then have that person come pick it up after..

    Give it another day or so and then report the phone IMEI as stolen so that it gets blocked on the aussie networks.

    • bigbadboogieman on 20/11/2019 - 07:23
      +20

      Also report any phone numbers, that were used to make contact with, to the police. Share convo and payment screenshot, etc. If they're using a phone Sim it must've been activated on someone's ID. If that's stolen too you will likely end up helping another victim.

      Try and report the phone as stolen to Apple as well. Not sure if that's possible but if you have old documentation, it might be possible. This would likely get the phone banned/locked throughout the world as soon as it's connected online.

      Keep a lookout on Facebook, their account will pop back up sooner or later. Try searching for the phone number online and see if it hits any profiles. May be try calling through other numbers at random times to see if they pickup.

      By losing money to them like this you've earned the right to make their life as miserable as possible.

      • aliam on 20/11/2019 - 18:49
        +2

        Not sure that will work. These type of people will just sell that phone for cash ASAP. And they are probably have multiple fake Facebook accounts. Probably using a stolen sim card too, so it's hard to find them again.

      • Roman Sandstorm on 20/11/2019 - 10:41
        +16

        there's always a chance you may get counterfeit notes

        Really? Really? You expend brain cells actually worrying about counterfeit notes?

        Yes, I suppose it is possible that one may receive counterfeit notes in a cash transaction. I mean, it's possible that you may win the lottery three days in a row, or that a meteorite might crash into your picnic basket in the park.

        But seriously, how many people in their lifetimes will ever encounter counterfeit banknotes?

        As an argument against performing cash transactions (at least for low value items purchased from online forums), I feel this rates fairly low on the scale.

        • jelko on 20/11/2019 - 11:34
          +6

          Even if you get counterfeit notes, you can easily pass them off to somebody else :)

        • crentist on 20/11/2019 - 18:07
          +10

          Plus if you get counterfeit notes the police will probably take it much more seriously and bother to hunt down the buyer

        • theo96 on 21/11/2019 - 07:31

          Well I've been to eateries in Sydney CBD where there was signage warning about using counterfeit notes…

          • ThadtheChad on 21/11/2019 - 16:41

            @theo96: WWhat? Where? I've never seen any.

            • theo96 on 22/11/2019 - 08:13

              @ThadtheChad: I remembered wrongly, it was at a groceries store. There were screenshots (from the CCTV) of the perpetrator using the counterfeit notes and signage saying "persons using fake notes will be reported to the police". So I'd think there are counterfeit notes in circulation.

              Sure it's not likely that you'd get counterfeit notes but the likelihood is definitely nowhere as remote as "win the lottery three days in a row, or that a meteorite might crash into your picnic basket in the park."

              And if someone is actively trying to scam you I think the chances of encountering counterfeit notes would be higher.

              With OSKO once the money hits your account it's there.

        • ultnrg on 21/11/2019 - 23:25
          +2

          This is exactly what I used to think up until a couple of months ago, family member sold an iPhone on Gumtree, cash only, lady rocked up, paid cash, all seemed OK. Family member went to use the cash at the local convenience store, got rejected for counterfeit (they had a detector). Went to the bank and it was all counterfeit.

          I didn't see the bills so don't know how fake/real they looked so can't comment on this.

          • gimme on 22/11/2019 - 07:20
            +3

            @ultnrg: Wow local convinience store has a fake note detector. Time to get out of that locality

          • theo96 on 22/11/2019 - 08:15

            @ultnrg: My point exactly — and it doesn't have to be all counterfeit, just a couple of fake notes mixed in.

        • imcold on 22/11/2019 - 07:51

          Do you know there are free money scanning/counterfeit checking facilities everywhere, some of these are open 24/7, they are called deposit ATMs. Just get them to verify the notes in their own accounts first.

          Once the machine counts the money they can cancel the deposit.

          You get the added bonus of a transaction that is recorded on camera.

        • Pinchy on 22/11/2019 - 08:39

          My local Maccas about 5 years ago had signs up about fake $50 notes and even a machine to tell staff members If it was legit or not.

        • TheBird on 22/11/2019 - 11:01

          I've come across 3 that I can remember. A $100, a $50 and a $20. All through a public facing business.

          With the amount of notes that has come across my desk over the years, even with that track record, the chance of counterfeit is so low, it's not worth the time worrying about it.

          As a general consumer, I cannot say it's ever happened to me.

      • [Deactivated] on 20/11/2019 - 11:59
        +2

        You can just check the security features of the notes. I did this recently with a $2k cash transaction and it only took a minute.

        • Nalar on 21/11/2019 - 12:07
          +6

          I work in an very cash intensive industry, we see about 4-5 fakes a week, every single one of those fake were terrible quality and easily spotted, even if counting out large sums of money, just touching each note you'll easily feel the difference between a real and a fake.

          • kiitos on 22/11/2019 - 08:35

            @Nalar: Or is it more accurate to say you can easily spot the easy to spot counterfeits? :-)

  • bkate92 on 19/11/2019 - 17:00
    +2

    so wait if she has claimed it was fraud….will she have claimed that I was the one who frauded her?? like could I potentially get into trouble for this??

    • [Deactivated] on 19/11/2019 - 17:05
      +17

      Anyone can claim anything. Don't worry about fraudulent claims for fraud by frauds against you.

      • Hardlyworkin on 19/11/2019 - 21:21
        +3

        I don't think a person like this is going to the cops. Odds on they have a history with them. Try searching / googling around, it's unlikely it's the first time they've done this.

    • jacross on 20/11/2019 - 08:17
      +7

      She didn't do that. She just stooged the screenshot. I could do that in a minute with MS Paint and have it look good, let alone the plethora of more powerful tools.

      • GaryQ on 21/11/2019 - 07:58
        +1

        Would you say I have a plethora of piñatas?

        • peterpeterpumpkin on 21/11/2019 - 08:54
          +11

          A man attending his mate's funeral asks if he could say a word to honour his great friend. He gets up, shouts the word "plethora" and sits back down besides the grieving widow. She turns to him, nods, and says "that means a lot".

        • infinity3000 on 21/11/2019 - 13:44
          +1

          Three Amigos reference. Nice

  • chobani4lyf on 19/11/2019 - 17:00

    Yup

  • bkate92 on 19/11/2019 - 17:01

    no I didn't get her license plate I live in a block of flats she parked in the car park.

    • Hybroid on 19/11/2019 - 17:38
      +6

      See if you can obtain CCTV and report fraud to police.

      • madseason on 20/11/2019 - 09:33
        +75

        Who knows, maybe their neighbour has a big expensive camera setup and might charge you for the privilege of getting the footage?

        • geoffs87 on 20/11/2019 - 10:05

          Ha!

        • cheng2008 on 20/11/2019 - 11:26
          +7

          But it’s for your own good, because he was only trying to encourage you to buy your own cameras ;)

        • richadam on 20/11/2019 - 11:57
          +4

          Like about $850?

        • peterpeterpumpkin on 21/11/2019 - 08:56
          +3

          If this was Seinfeld all the forum topics would synchronise into a running gag.

    • Snehal on 20/11/2019 - 19:45

      See if you can get CCTV footage from near by neighbor.

  • raptormesh on 19/11/2019 - 17:05
    +1

    CASH CASH CASH CASH CASH.

    or no sale.

  • spacebanana on 19/11/2019 - 17:05
    +35

    Block the IMEI asap before it gets sold onto another poor scamee.
    Sorry to hear about it though, people do suck.

    • apptrack on 20/11/2019 - 10:15
      +10

      This, report it to your telco as stolen. Dont mention you got scammed, causes more questions than answers.

      Phone will not be usable in Australia.

      • chuderino on 20/11/2019 - 10:39
        +1

        Agree, best thing to do.

  • forrester on 19/11/2019 - 17:06
    +9

    It's sad that these scum get away with it by taking advantage of honest souls like the OP. Hope karma bites the thief real hard…

    • Meeb on 19/11/2019 - 19:06
      +1

      Yeah it sucks, but a relatively cheap lesson for OP. People lose a lot more than a phone to scams.

    • SnakeCasablanca on 21/11/2019 - 09:28
      -1

      Seriously don't understand why this was downvoted so much. How was this misinterpreted to make people so upset?

      Edit: I thought the 'OK Boomer' was an edit after downvotes. If it was there from near the beginning I get it.

      • ozbargainer666 on 22/11/2019 - 14:04

        Boomers angry

        • SnakeCasablanca on 23/11/2019 - 22:13

          Yeah thats what I mean. The Boomers are angry which was the purpose of the comment. I'm not a boomer. I dont really care. Was just trying to understand the downvotes. :)

    • bobbified on 19/11/2019 - 17:32
      +25

      I always thought women were trustworthy and not scammers

      err, what? LOL

        • kerfuffle on 19/11/2019 - 18:25
          +3

          You need to watch Hustlers to see exactly how scammy they can get

        • idonotknowwhy on 20/11/2019 - 17:09
          +2

          Maybe OP's experience will make you reconsider?
          Studies have shown that women are actually more likely to do things like this than men are. Just be cautious with everyone.

        • lostn on 22/11/2019 - 23:56

          the ones you expect least to scam make the best professional scammers.

          At customs, it's the little old ladies that are the most suspicious of drug smuggling.

        • Bargainbeth on 23/11/2019 - 01:13

          There are a lot of females scammers on fb selling groups oriented to women. Like groups for skincare and cosmetics. Just go on one and ask the admins how often it happens.

    • Blue Cat on 20/11/2019 - 09:20
      +3

      You obviously never been married or in a defacto relationship lol

    • idonotknowwhy on 20/11/2019 - 17:08
      +2

      Neggers are being too harsh on you.
      I got short-changed $100 by a woman on gumtree many years ago. You have to be cautious with everyone, regardless of their gender.

      • montorola on 20/11/2019 - 17:26
        +1

        Yeah, I guess I got this perception from the news, since 99% of the time it's always about men doing horrible things. Which obviously makes women look good lol. Hence my assumption.

        But you're right - gotta be cautious of everyone.

    • pinchies on 22/11/2019 - 12:30

      I was scammed on gumtree by a young woman last year. It was a smaller amount, but fortunately I was able to track her down and get my money back.

  • CyberMurning on 19/11/2019 - 17:14

    Yop

  • Downvoter on 19/11/2019 - 17:15
    +3

    Cash is king

    • CyberMurning on 19/11/2019 - 17:16
      -4

      also customer is king

      • Kooratz on 21/11/2019 - 04:59

        sometimes they just a c@!@#t

        • AdosHouse on 23/11/2019 - 17:11

          Sometimes????

    • Windows98 on 20/11/2019 - 18:00
      +2

      Using your brain is king

  • CyberMurning on 19/11/2019 - 17:16
    +7

    "t's been over 24 hours and I just googled osko scams to find that with first payments, osko withold the money for 24 hours to make sure it's not fraud. So I assume she flagged the transaction to me as fraud so got the money reversed back into her account…"

    nope, she didnt transfer that is the truth and the only truth

    • theguyrules on 21/11/2019 - 09:31
      -1

      CBA does hold for 24 hours for the first payment - we had a car deposit that didn't come through until a couple of days after the rest of the car was paid for (in cash) and driven away.

    • SaberX on 21/11/2019 - 12:24

      Ive just sold to a stranger. Transfer on 11pm monday. Came in straight away to my account. Is it true they withhold cause mine actually shows in my account. It was to hold a laptop until the weekend but now im getting cold feet wondering why someone would deposit $250 and pickup the item a week later. Seems overly trusting. then again if it was a 24 hr reversal by weekend it would be done so their interest if scamming would be instant pickup

      Only thing left is a fraudulent payment and the account holder reports it. I believe long time limits but surely within a week you'd spot $250 leaving your bank?

  • dcep on 19/11/2019 - 17:17
    +4

    obviously you haven't been lurking around here much

  • Shitforbrains on 19/11/2019 - 17:19
    +2

    Never rely on a screenshot. You can't trust anything that can be faked in a few minutes with Photoshop.

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