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

  • pformag on 20/11/2019 - 18:19

    F***

  • Black Brown Blue on 20/11/2019 - 18:39

    Cash only. If they really want to buy it they will arrange cash. If not too bad.

  • seal the deal on 20/11/2019 - 18:40
    +1

    She's just playing hard to get, mate. Just keep persisting, brother.

    • funnysht on 20/11/2019 - 19:59

      think she was only interested in the iphone mate

  • banzini on 20/11/2019 - 19:44

    Any security footage of her? Your home? other neighbours? See her car? Ask local businesses to check rego of the same colour car / etc at same time of day?

  • kurisu on 20/11/2019 - 19:44
    +3

    OP, are you still interested in selling phone? I have wired the required funds to you via Osko. Here is the receipt. If you are no longer selling the phone, kindly send the funds back as soon as possible. Best wishes.

    • gimme on 20/11/2019 - 20:31
      -3

      Lame

    • t_c on 22/11/2019 - 09:45
      +2

      Seems legit

    • Andard on 27/11/2019 - 14:00

      69,666,420

      do NOT make any more transactions

  • immortalbjr on 20/11/2019 - 19:48

    If it makes you feel any better I know a guy who feel for this scam selling a 20k machine, he let the guy take it on a public holiday after seeing a screenshot and thinking his money was going to come through the next day.

  • SnoozeAndLose on 20/11/2019 - 20:08

    Op do you get the money?

  • redslert on 20/11/2019 - 22:29

    Yeh buddy… I wish more people would read postings like these!

  • InternetSalmon on 20/11/2019 - 23:27

    my experience, Osko / payID under $500 is instant, over $500 takes 24hrs but the payee can call their bank and request the payment released instantly.

  • Herbse on 20/11/2019 - 23:59

    Get in touch with acorn, you might have enough information to get the police involved

  • dlakers3peat on 21/11/2019 - 00:43

    You Played Yourself https://g.co/kgs/o3zagR

  • Aerith-Waifu on 21/11/2019 - 01:29
    +1

    iPhone? Easy, find your receipt and call apple and says its been stolen

  • [Deactivated] on 21/11/2019 - 03:49

    Sorry to hear about your loss. Just remember that there are people who get scammed more than you have.

    Credit for not asking for others to compensate for your mistake … Unlike some previous posts where people have begged for a new replacement of a item they damaged.

    • esty on 21/11/2019 - 11:09

      haha really? any links to said thread?

  • GoldenDragon888 on 21/11/2019 - 05:50
    +1

    Please can we have a learners sign for people who post in their first week?

  • leeroys_dad on 21/11/2019 - 06:26

    Sell another one and have backup waiting

  • peterpeterpumpkin on 21/11/2019 - 09:04
    +1

    Did the Facebook account have photos?

    What are some of her attributes? Maybe draw up a COMFIT (in MS Paint) to see if anyone here recognises her. The power of community.

    • Gerry H on 27/11/2019 - 20:07

      legit, make a post with her photo and fb account link that shes a scammer, publish it on ozb and watch guys like me go to work.

  • [Deactivated] on 21/11/2019 - 11:33
    +2

    Go get CCTV.

    Have a friend try sell something on on your behalf, use a new sim card, try and catch the person the second time around pulling the same scam.

  • newbiesh on 21/11/2019 - 11:48

    I most of the time pay with osko on the spot some get worried some accept and it always been instant, the reason is I don't have cash and most the time on my way even servo won't give cash cuz they need it etc.

    Please block the imei as suggested and try do best to get her in trouble thsi shit sucks and ppl need to be get punisjed for it.
    Don't worry others say 800$ blah blah even if it was a $2 scam is scam

  • neosin on 21/11/2019 - 13:28

    here is a tip for all bank/paypal payments

    when the person picks up, ask for a photo of their ID, or to write down his address on the ID

    I've never been scammed because the buyer would know I'll go to his house if he tried anything :P

  • CheeryCheapskate on 21/11/2019 - 15:51
    +1

    Farfetched but it makes me wonder if this scammer can be baited out again with another sale. I have no doubt this person will strike another scam again. Feels bad though, scammers suck.

  • giventofly on 21/11/2019 - 16:24

    Sorry this happened dude.

    Valuable lesson learnt.

  • stingyashell on 21/11/2019 - 22:07

    I'm low baller not scammer. Pick up tonight mate 650!

  • McMoots on 22/11/2019 - 08:52
    -8

    Lol.. Every time I make an iPhone joke there's always at least a couple of sad, little munchkins who get butt hurt and down vote.

    No insecurities here.. ¯\_(ツ)_/¯

    Anyway, this is a bit of a long shot but do any of your neighbours have CCTV, so you can check if they caught her vehicle licence plates on camera?

    • Gerry H on 27/11/2019 - 20:09

      a lot of people on ozb who would take a bullet for apple. just read my other thread (long thread about macbook)

      • McMoots on 28/11/2019 - 20:34

        It's so ironic how people who go crazy over Uber Eats codes and cheap SD cards also are happy to pay ridiculous amounts for Apple products (which they can't even use the memory cards in), lol.

  • blehgg on 22/11/2019 - 09:15
    +2

    cash only!

  • lint on 22/11/2019 - 09:28
    +1

    Why the heck would you trust somebody's screenshot. If you don't see the money in your account, you haven't got the money.

    And yes, as somebody else said, get their ID. Especially if you haven't seen the money yet.

    • ahara on 22/11/2019 - 19:28

      And if they budge to show you ID they most likely have ulterior motives. That’s based on assumption that they are not paying in cash.

      But saves my bet is to accept cash only and interact at a public place with cameras. Last time I sold something I deemed valuable I interacted at a bank branch.

      Don’t care what others think.

  • OzBrogains on 22/11/2019 - 10:13
    +4

    You should have asked her to pull up her internet banking on her phone to show you the transaction. Grab the popcorn as she squirms.

  • nickxau on 22/11/2019 - 11:39
    -4

    Was she hot at least?

  • greater mimic on 22/11/2019 - 12:06
    +1

    this got me thinking, why don't we have a way to check a transaction ID and view the details of the transaction? that way you can check if the transaction has occurred and is actually legit

    it doesn't stop a transaction being reversed i guess, but at least you can be assured that the transaction has actually happened.

  • JKM on 22/11/2019 - 12:53
    +1

    I had a similar situation where the buyer was trying to say she'd just transfer the cash, but she had to leave asap. I said no, she had to go to an ATM and bring the cash to me. She seemed pretty uncomfortable but I literally JUST met the chick and I wasn't going to just let her leave with my gucci bag. No way.

    The point is, wait until you got that cash in your hand - always!

  • sghetti on 22/11/2019 - 14:12
    +1

    This isn't OSKO holding onto the payment. The bank making the payment via OSKO is holding on to the payment. Most likely CBA as they have a very specific process for first time payments to a new payee to hold on to the payment for 24 hours. Certainly defeats the purpose of having instant payments and can turn Gumtree/face to face sales bad when payment isn't received immediately.

    • Bargainbeth on 23/11/2019 - 15:44

      CBA doesn't hold for Osko payments unless it's over 499

  • Numlock on 22/11/2019 - 16:36
    +1

    Cash, son. Cash.

  • ClawShrimp on 22/11/2019 - 17:29
    +2

    When it comes to gumtree or Facebook, I accept cash only. I’ve heard every excuse, and been given every assurance; but never budge.

    Buyers can get incredibly aggressive, but I’d rather wait for the next buyer.

  • ahara on 22/11/2019 - 19:25

    First off, never hand over items you try to sell on gumtree or Facebook marketplace unless you are absolutely certain the user has paid and the money is in your account.

    However, even then you may lose out if the funds were transferred as part of account hacking of unsuspecting user. Cash is still king for all sales where dealing directly with person not know to you.

    In your case I would attempt to do the following:
    - report phone stolen with telco
    - find original receipt or contract documentation from telco and report phone stolen with Apple. Apple can issue an iCloud lock and phone would be almost unuseable world wide
    - report mobile phone number and case to police. Write up your experience and sign at police office a statutory declaration. Include as much description of person as you can recall, where and how you met them (Facebook details, etc)
    - contact legal aid for further advice in either case
    - report to scam watch or similar website
    - consider contacting lawyer / Friend with legal experience to accompany you to police.

    Even if you don’t get back your phone, you are doing the noble thing to help the police and judiciary to investigate. You will not be the first and not the last this person tried to scam. And if they ever get caught they may link that
    Scammer back to your experience.

    Good luck.

    • thatonethere on 24/11/2019 - 09:31

      Once you this be removed your icloud account from the device you have no hold over it. Apple won't lock it for you arbitrarily - haved tried in the past. However you can remove future icloud registrations by submitting the invoice to Apple as long as it is from a registered reseller and shows serial. A minor annoyance to the new "owner".

      Can block imei though if you have used it with your SIM card (although rip people who sell brand new shrink wrapped ones).

  • ipiok on 23/11/2019 - 08:39

    What old iPhone sells for $850?

    • MistaL on 23/11/2019 - 12:25

      You'd be suprised on how well old iPhones hold their values haha

  • John on 23/11/2019 - 13:48

    Ouch. I have also been scammed $650 in the past. Before then I thought I was fairly cautious person with online sales. But sometimes you just have brain fart moment and you lose out. Good thing is, these kind of experiences (albeit expensive) made for a pretty solids lessons for the future

  • Bargainbeth on 23/11/2019 - 15:42
    +1

    OK so checked with my banks and Osko seems fairly safe!

    ING:
    Osko limit 1000 sending, receiving unlimited.
    First time payments ING - ING (gets held for 1 business day, appears in balance, but not available)
    Calling ING does not get funds released faster
    Sender wouldn't be able to reverse it without "processes" (among other things, ING contact recipient to get more details)

    CBA
    Under 499 immediate and non reversible
    Over 499 = 24hr hold (by the second) where customers can cancel
    Can get sender to call CBA to get funds released
    Reversing funds will not be unilateral, bank would contact other bank, contact recipient etc
    If compromised account, Osko payments simply will not send, will not reduce senders balance (the notification gets sent to the security team instead- so they can't say that money ever left their account)

    This is from speaking to a call centre rep, who sometimes can be wrong. CBA guy sounded much more sure than ING fells though

  • DemocracyManifest on 24/11/2019 - 08:54

    Simply never sell phones at your door and via bank transfer, I sold my busted S8 on eBay, cut out the low ballers and got $170 vs marketplace, low ballers galore

  • Andard on 27/11/2019 - 13:58

    "Cash on pickup only" on all my ads

  • Gerry H on 27/11/2019 - 20:03

    cash only

    why i never bothered selling my rpg accounts after quitting. knew they'd just charge back.

  • wetsandwich on 28/11/2019 - 15:36

    These people run this scam as a full time job. They have fake banking apps just for this purpose.
    My friend almost got done but at the last moment he pushed the guy out the door and said come back tomorrow after the payment clears. Of course it never did.

  • Kritik on 03/12/2019 - 22:14

    not necessary. I had a Osko payment get held for 2-3 days. Buyer thought I scammed him, but the money genuinely didn't come for a few days….but see in my case the item was being shipped.

    for your case…why didn't you take cash or ask to see the transfer on their account?

  • fd9 on 31/08/2020 - 19:54

    Excuse the digging up an old post - but something similar happened to me today and I thought this information could benefit others - as this is one of the first things that come up on google typing osko scam.

    I almost got scammed like this today. Except they showed me the receipts generated RIGHT after I gave them the bank details in FRONT of me. i.e. I give them my bank details and name … they send a receipt right then (this was in person) from their phone showing a transfer that never happened.

    Reason why this could occur was (courtesy of someone who experienced something similiar on whirlpool):

    "The email is from westpac itself..however What westpac said is.. There's no receipt number on the email and it's usually caused due to insufficient funds and they couldn't tell me how the email was even possible even though the client had no funds.. They said, it's apparently a glitch where you can send email of receipts even though there's no funds in the account.."

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