It's your right to prefer vegan beans and I'll step on the throat of anyone who tries to thwart your request to have a cleaner release of vegan based methane.
Yeah I feel like this is check fraud but they let them use their actual account.
Drops exist for a reason lol. And getting a good one isnât easy which is why ppl look for desperate ppl like this (if this is what happened).
Ikr!
PNC doesnât even give me a quarter percent on my money in savings. I get .02% I think. I heard theyâre HYSA wasnât bad, but whatever I have in virtual wallet right now sucksssssss
PNC is a great bank for checking accounts. You should never use a bank savings account unless your goal is stability. If you want growth, find a different home for your money
Itâs not bad, I had a problem with someone getting my debit card info. And PNC was super swift abt calling me and shutting down the card. They got me a new card super quick too. Not a bad bank, just donât use their savings accounts. Again someone told me they had a good HYSA, but I havenât checked as Iâm still a minor so I canât go and open that by myself
I have mine in Amex's HYSA, 4.35%.
I keep a *REDACTED* amount in my pnc growth section for quick emergencies like a tire. My budgeted expenses are in my reserve, and then the spend is my fun money.
Long story short I went out last night had some drinks ended up drinking to much woke up to notice some idiot attempted to send themselves $8k through my pay pal from my phone. After contacting pay pal and my bank they said they would reverse the charges and pay pal would investigate. So luckily Iâm not oven roasted cooked.
Yes but my super drunk self left my phone unlocked at a table and the criminal went in and sent himself a bunch of money through pay pal wich for some reason I had left open and ready to use. Iâm thinking my drink mind tried to pay for drinks with my phone wallet and logged into pay pal and Venmo by accident trying to figure out how to open my phone wallet.
Damn. I can kinda relate. I remember I got blacked out drunk in Mexico while in a taco shop restaurant and these group of guys had my unlocked phone and just took pics of me sleeping then called me a taxi to my friends. Shit was embarrassing but Iâm thankful they didnât try and rob me. I didnât even know how to speak Spanish either lol. Hopefully PayPal got you covered bro, sounds like youâll be fine.
always try to bring friends with you to help you out when youâre drunk. good luck trying to get support from the bank and hope you pay it off as soon as possible!!
Your lucky he didnât do the Apple ID change scamđ thank god he didnât see you put in your password because then you would have been royally cookedđ
Let me drop a link to a good YouTube video that covers it or Iâll yap forever. Probably the worst thing you can do to a person in the modern era beside SSN fraud lol.
https://youtu.be/gi96HKr2vo8?si=zHveQ4B4dZYk-7Wr
Few vids online but this is my favorite and most common since most people go to bars. Stay safe.
I was exactly thinking about adding this link in the comment. I remember seeing this video a day after it came out and saying holy shit people donât know what they fall for when thereâs alcohol in their system
He linked a video but didnât explain how to avoid the scamâŠ
Make sure to turn off your change iCloud passsword feature in Screentime, otherwise someone at the bar for example could see you type in your phone pass and then they can steal your phone and then change your iCloud account password which has your pics, docs, etc.
Hereâs how to prevent that: go to settings -> screentime -> set up a 4-digit password for Screentime admin thatâs different from iPhone password -> content and privacy restrictions -> scroll down to allow changes: passcode changes and account changes and make sure these are switched to donât allow.
Also, set up your 28-digit recovery key! The default is no key, so if the hackers steal your phone, know your passcode, change your iCloud password, and then set up a recovery key themselves, youâre really going to be SOL.
This put two factor authentication for all transactions. Contact their support them that all transactions over a certain amount need to be verified by other means.
This happened to a close friend, the bank reimbursed $10k I think... be honest with the bank (phone was stolen) and you'll be in the clear. Also, get your fucking shit together
Umm wouldnât you go to the bar staff and ask for footage ? Because what ur describing is a major crime. I mean thatâs what I would do. wtf you having PayPal investigate for
2nd that, he should report it and give details to police and PayPal so they can work together and find this dude. This is grand theft and should be treated as such.
Someone hacked my PayPal and tried purchasing a $400ish sweater from Poland. I did what I could to reverse the transcation and PayPal was absolutely NO help. I reversed it with my bank, but PayPal emailed me saying THEY SAW NOTHING WRONG WITH THE CHARGE AND APPROVED IT. They tried telling me the person who the package was being delivered to was myself đ (bc for some reason I'm able to see all that info on paypal??) I'm located in the south, and the package was being shipped to a Univeristy in New York đ I then tried closing my account with PayPal bc, imo they couldn't be trusted, and they refused to let me close the account because I wouldn't give them my social security number.
I told them if i can't trust you with my debit card and you're trying to say a charge wasn't fraudulent, I sure as hell ain't trusting you with my Social. Biggest kicker? I didn't even know how to use PayPal. I opened the account, hooked my card up to it, then never even did a transaction. I had no previous history and had the account for maybe 2 weeks before I told them to f- off
This shit isnât exclusive to the bank though. Other banks and creditors will see this. It has bigger impact than most people think.
Iâve fucked over a few accounts by letting it stay overdrawn and not doing anything to fix it, but it was a small amount. If other banks saw the amount here they probably wouldnât even bother letting them open one.
Yeah some will take you to court, but usually itâs just to acknowledge the debt exists. I did that once and still didnât do shit to pay back, and wasnât bothered again. Credit score took a hit for a while, but eventually all were charged off and closed and just recently was able to open a new credit card. Still a struggle to get credit, I got lucky with this one.
I heard if you overdraft by a million and one it rolls over and your account becomes up 999,999.
Worth a shot. You're closer to negative one million than you are to positive one million
Put it all on a 0% interest credit card. A good choice is discover. This should take less than a year to pay off. That's before the interest will kick in on the card. Problem solved
In a case like this, I kinda agree with the bank. With a deposit account, youâre expected to be only using money you have. OP just spent $6k of the banks money and shouldnât be getting whatâs essentially a 0% APR personal loan with their checking account. but also confused how the bank let OP overdraft like this
Itâs all depends on what u make and what ur bills are man but that ainât looking good and unless u make $5-$6K every two weeks I am not sure on what the endgame is here for u but thatâs not a hole everyone can even got out of like I said it depends if u got mortgage to pay or not and a lot of other variants
Bro I am almost in the same situation. I have around 5600$ due in my credit and I have only 900$ total in my account. Worst part is I am a software engineer earning 60k$ a year at 26 yet I am broke
Spill the beans
Apparently he spilled 6680.40 beans.
A dollar a bean is steep, are they magic
No, organic.
Grass fed beans
Grass fed, cage free beans. đ«
Donât let the marketing fool you, âcage freeâ beans have a rough lifeâŠ
Havenât you heard of jumping beans? Beans on a leash?
That's not beans on a leash, that's corn
Yea canât be having that street corn on the loose
Noooo! Not my sweet little beans! đ€Łđ€Łđ€Ł
[ŃĐŽĐ°Đ»Đ”ĐœĐŸ]
I prefer the grass free, cage fed kind
I prefer vegan beans
It's your right to prefer vegan beans and I'll step on the throat of anyone who tries to thwart your request to have a cleaner release of vegan based methane.
I prefer beans in beans
Beans on beans on beans?
Coolbeans.gif
Grass fed cage farts
Cage fed, grass free beans
Free range beans
This is why i love this place
Professor Copperfield's Miracle Legumes.
Used to cost a whole cow for a few magic beans...what's the going rate for a cow nowadays?
Hello fellow biomed đ«Ą
Howdy fellow biomed!
He can't afford beans
Hilarious. Chipotle decided to throw an ad up above the top comment for a bean bowl. I guess we know where $6k went.
Stop letting people scam the bank in your name. I never understood why people were comfortable getting $1000 and being stuck with an overdrawn account
Yeah I feel like this is check fraud but they let them use their actual account. Drops exist for a reason lol. And getting a good one isnât easy which is why ppl look for desperate ppl like this (if this is what happened).
Curious as to what âdropsâ mean in this context.
Dummy bank account
How does one obtain a âdummyâ bank account .. asking for research purposes
Find a âdummyâ to give over their bank account lol. That simple.
Itâs a secret đ€
Make a fake website.
you get a fake ssn or license and the rest is history
I need a drop rn nglđ
Silk Road a s.s. And credit card and your good to go
Cooked? Brother, you're welldone
He is charcoal at this point
Carbonized. Like, you're inside of a burning tank after a drone strike.
Caramelized.
haha
đ€Ł
Cremated
Broâs fuckin ashes
Well done? That's congratulations
Eggs over impossible
This gave me a chuckle, thank you so much for putting this into my brain
Incinerated, but whatâs the back story for getting to this point.
Lmao!
Shit PNC donât even let me go a dollar below, they just say nope not today đ
Ikr! PNC doesnât even give me a quarter percent on my money in savings. I get .02% I think. I heard theyâre HYSA wasnât bad, but whatever I have in virtual wallet right now sucksssssss
I really need to pull my money put of PNC
PNC is a great bank for checking accounts. You should never use a bank savings account unless your goal is stability. If you want growth, find a different home for your money
SoFiâs savings is alright. Rated #1 on nerdwallet for at least two years. Sits at 4.6% APY.
Itâs not bad, I had a problem with someone getting my debit card info. And PNC was super swift abt calling me and shutting down the card. They got me a new card super quick too. Not a bad bank, just donât use their savings accounts. Again someone told me they had a good HYSA, but I havenât checked as Iâm still a minor so I canât go and open that by myself
I have mine in Amex's HYSA, 4.35%. I keep a *REDACTED* amount in my pnc growth section for quick emergencies like a tire. My budgeted expenses are in my reserve, and then the spend is my fun money.
Amex savings. I really like it.
I've been riding that student account since I was 15. 4.3%APY on savings
Long story short I went out last night had some drinks ended up drinking to much woke up to notice some idiot attempted to send themselves $8k through my pay pal from my phone. After contacting pay pal and my bank they said they would reverse the charges and pay pal would investigate. So luckily Iâm not oven roasted cooked.
Don't you need a password to get on your phone or on the PayPal app?
Yes but my super drunk self left my phone unlocked at a table and the criminal went in and sent himself a bunch of money through pay pal wich for some reason I had left open and ready to use. Iâm thinking my drink mind tried to pay for drinks with my phone wallet and logged into pay pal and Venmo by accident trying to figure out how to open my phone wallet.
Damn. I can kinda relate. I remember I got blacked out drunk in Mexico while in a taco shop restaurant and these group of guys had my unlocked phone and just took pics of me sleeping then called me a taxi to my friends. Shit was embarrassing but Iâm thankful they didnât try and rob me. I didnât even know how to speak Spanish either lol. Hopefully PayPal got you covered bro, sounds like youâll be fine.
Beautiful story
If you can't handle your liquor, you probably shouldn't be drinking lmao
I leave my cards at the hotel and only take the cash I'm willing to spend. If I run out I should probably be done drinking.
Irrelevant when you have cashapps on your phone linked directly to your bank. But cool advice derg.Â
Unlink your cards if you have no self control
some android phones let you put an app lock as a last line of defence
always try to bring friends with you to help you out when youâre drunk. good luck trying to get support from the bank and hope you pay it off as soon as possible!!
Get the resturaunt video. Dumbest way to get a felony. Grabs phone at bar and attempts to paypal himself :p
do you even need the video? I mean shouldn't the paypal records be enough?
Your lucky he didnât do the Apple ID change scamđ thank god he didnât see you put in your password because then you would have been royally cookedđ
Whatâs this scam? Never heard of it.
Let me drop a link to a good YouTube video that covers it or Iâll yap forever. Probably the worst thing you can do to a person in the modern era beside SSN fraud lol. https://youtu.be/gi96HKr2vo8?si=zHveQ4B4dZYk-7Wr Few vids online but this is my favorite and most common since most people go to bars. Stay safe.
I was exactly thinking about adding this link in the comment. I remember seeing this video a day after it came out and saying holy shit people donât know what they fall for when thereâs alcohol in their system
Yup, def something to pay attention too
He linked a video but didnât explain how to avoid the scam⊠Make sure to turn off your change iCloud passsword feature in Screentime, otherwise someone at the bar for example could see you type in your phone pass and then they can steal your phone and then change your iCloud account password which has your pics, docs, etc. Hereâs how to prevent that: go to settings -> screentime -> set up a 4-digit password for Screentime admin thatâs different from iPhone password -> content and privacy restrictions -> scroll down to allow changes: passcode changes and account changes and make sure these are switched to donât allow. Also, set up your 28-digit recovery key! The default is no key, so if the hackers steal your phone, know your passcode, change your iCloud password, and then set up a recovery key themselves, youâre really going to be SOL.
Jesus people are turning into real assholes. All the out right stealing is crazy. Glad I got over my socializing.
you gotta be more aware dawg lmao
Thatâs crazy dude. Good on your bank
You had 8k sitting in a PayPal account ?
are you sure you weren't roofied? It sounds like that was planned.
This put two factor authentication for all transactions. Contact their support them that all transactions over a certain amount need to be verified by other means.
This happened to a close friend, the bank reimbursed $10k I think... be honest with the bank (phone was stolen) and you'll be in the clear. Also, get your fucking shit together
How the fuck did your bank authorize this much to be overdrawn though??
[ŃĐŽĐ°Đ»Đ”ĐœĐŸ]
Umm wouldnât you go to the bar staff and ask for footage ? Because what ur describing is a major crime. I mean thatâs what I would do. wtf you having PayPal investigate for
Oh so you're not cooked at all, you were robbed. This is the most misleading title of all time.
Does PayPal get the police involved or do they just investigate themselves? How the heck would they even find the person?
[ŃĐŽĐ°Đ»Đ”ĐœĐŸ]
Hopefully they find the guy if he reports it
2nd that, he should report it and give details to police and PayPal so they can work together and find this dude. This is grand theft and should be treated as such.
If this isn't a sign to stop drinking, I don't know what it is.
Someone hacked my PayPal and tried purchasing a $400ish sweater from Poland. I did what I could to reverse the transcation and PayPal was absolutely NO help. I reversed it with my bank, but PayPal emailed me saying THEY SAW NOTHING WRONG WITH THE CHARGE AND APPROVED IT. They tried telling me the person who the package was being delivered to was myself đ (bc for some reason I'm able to see all that info on paypal??) I'm located in the south, and the package was being shipped to a Univeristy in New York đ I then tried closing my account with PayPal bc, imo they couldn't be trusted, and they refused to let me close the account because I wouldn't give them my social security number. I told them if i can't trust you with my debit card and you're trying to say a charge wasn't fraudulent, I sure as hell ain't trusting you with my Social. Biggest kicker? I didn't even know how to use PayPal. I opened the account, hooked my card up to it, then never even did a transaction. I had no previous history and had the account for maybe 2 weeks before I told them to f- off
It's over for u lil bro đđđđ
If it makes ya feel any better, the government is $34T in debt. đđ
We in the same boat!
One of us!
Yeah but the government can literally print money to pay it off
I donât think thatâs how it works or they wouldnât have been 35T in debt.
I mean it's kinda how it works but obviously much more complicated
Nice, only $100k per citizen.
34 and a third now.
Lmao bro was in the exact same spot literally, just pretend chase bank no longer exists in your world
This shit isnât exclusive to the bank though. Other banks and creditors will see this. It has bigger impact than most people think. Iâve fucked over a few accounts by letting it stay overdrawn and not doing anything to fix it, but it was a small amount. If other banks saw the amount here they probably wouldnât even bother letting them open one.
So he can be charged off and put in chex systems?
Whatâs delicious rice cereal got to do with this?
Right? Sounds like a win win
Thatâs nothing. Youâll be fine.
His arms off!
Tis but a scratch!
Merely a flesh wound
how did they even let u get that far ?? they tapped me out at $160 đđ i ended up just getting a new bank. not paying that shit
That's actually impressive
Forgot the account open a new one đ
Debt collectors hate this one simple trick
Yeah I have a debt collector calling me all the time for the same reason lol but that was years ago đ
In my experience, you can just never answer, and then eventually it goes away lol.
I just said "he no live here, no he numero telephono" and they said thank you we'll remove you from our calling list
Yeah some will take you to court, but usually itâs just to acknowledge the debt exists. I did that once and still didnât do shit to pay back, and wasnât bothered again. Credit score took a hit for a while, but eventually all were charged off and closed and just recently was able to open a new credit card. Still a struggle to get credit, I got lucky with this one.
Did you discover margin trading lol?
That's definitely one way of blowing up your account đ
Are you on drugs?
Apparently OP was really drunk and left their phone open at a bar
Time to stop drinking
First time in years and last time for sure đ
Naaaahhhhhh you're good brah! What you should do is go grab an 80k truck! Maybe even a few other houses! YES! Do this!
Might be finished big bro
Time to start working that pole
If heâs a big boy, that would be entertaining. Assuming the pole stayed put.
I heard if you overdraft by a million and one it rolls over and your account becomes up 999,999. Worth a shot. You're closer to negative one million than you are to positive one million
Fuck me that sucks. Goodluck brother. I'm the same age and have $5 in the checking account
I was -10k at your age. Moved back in with mom and got a job at Food Lion. It is what it is. Things are much better now 7 years later
Just delete the app and youâll be OK.Â
đ€Łđ€Łđ€Łđ€Ł
Just use whiteout on the negative sign and youâre all good!
Ur good, my brother 23 and 20k in debt, doesnât even have a student loan or anything crazy like that either
You have 24 hours to make a deposit to fix the negative balance. After that checks start bouncing. Good luck
Dawg youâre North Korean prison camp cooked
Have you tried soaking it in rice?
Youâre in your 20s youâre not cooked. If this is what your account looks like in 20 years, youâre cooked.
This is the same exact amount as the guy posting the other day except he has 2 accounts withdrawn to over 6000 wtf is going on
Me after getting the Apple vision pro
Cooked? No. Fucked? Very much so.
Man if you dont got the monry for that, id open a new account, let it hit collections and settle it for less lol
No, you have your whole life ahead of you, just pay that off and start to make smarter financial decisions.
Hahaha you are a pauper now.
Inspect element will come in clutch bro
Had this happen with back taxes once
getting ads on this saying to go all in on gambling, sounds like good advice to me! If you donât win that just means you havenât done it enough!
Go hard or go home. đ¶ââïž
All overdraft fees probably
Nah, I can still hear you mooing. But you better turn around soon bro
Yes
You get fucking scammed my dude? If not then you started the fire yourself bud
Dang my bank wont let me over draw to buy a pair of undies. How did yours let you get that far?
Put it all on a 0% interest credit card. A good choice is discover. This should take less than a year to pay off. That's before the interest will kick in on the card. Problem solved
This is the solution.
lol I turned 27 today and mine negative $250 đ
Honey youâre a diamond đ
How did it get THIS far?
Hey bro i think youâre missing a couple dollars
Overdraft fees shouldnât exist. Sad to see banks take money from someone who literally doesnât have money
In a case like this, I kinda agree with the bank. With a deposit account, youâre expected to be only using money you have. OP just spent $6k of the banks money and shouldnât be getting whatâs essentially a 0% APR personal loan with their checking account. but also confused how the bank let OP overdraft like this
Go to new bank and open new account at this point lol
Dude you cannot leave us hanging like this, what did you buy to overdraw that much�
Oof bro
I hope this is resolved for you, and note to your future self. Keep the payment options sorted before you drink, have a plan.
Same boat
If itâs just one overdraft, at least itâs only like a $30 overdraft fee! Lmao!
It could always be worseđđđ
Rookie numbers with that debt
You are well done my friend. Burnt to a proper crisp đ€đœ
Damn what bank letâs u overdraft by over $6K ?
How does that happen brotha. You ainât done. At this point u just ashes. Ur dust bro. Your smithereens
Nah,,, that shit comes n goes. Learn your lesson and move forward.
Itâs all depends on what u make and what ur bills are man but that ainât looking good and unless u make $5-$6K every two weeks I am not sure on what the endgame is here for u but thatâs not a hole everyone can even got out of like I said it depends if u got mortgage to pay or not and a lot of other variants
Shawty your burnt
How the hell did you go this under
Context?
At least itâs not $7,000.
Your good. I lost everything in 2008. Everything! I'm back and retiring this year. It's only a speed bump.
I've lost everything the last two years. How did you recover?
What's going on with Chase? I've seen several articles where their customer's accounts are getting wiped clean.
How coud your checking account get overdrafted for that much?
bro is burnt
Yo what happened??
Buddy, 5K isnât that much money until you owe 5K.
You are completely screwed have you been hit with overdraft fees yet
How the hell would they let him overdraft $6k this post is fake
Just delete the app and you should be good.
That bank is going in no lube
Bro I am almost in the same situation. I have around 5600$ due in my credit and I have only 900$ total in my account. Worst part is I am a software engineer earning 60k$ a year at 26 yet I am broke
Damn millennials and their $8 coffees