[Help] Anyone have any idea how my DBS debit card kena fradulent "Google Rednote" transaction from Hong Kong?

[UltimaOnline]

Anyone have any idea how I my DBS debit card kena fradulent "Google Rednote" transaction from Hong Kong? The transaction (6x of this same $5 transaction over 2 days, total of $30) is as follows :

GOOGLE*REDNOTE G.CO/HELPPAY#HKG

I called DBS bank to report this fradulent transaction, and the DBS officer say she'll open an investigation to dispute this transaction on my behalf. But what I'm wondering is, how did I kena this? Malware on my PC or phone? Any idea?

 

[earthquake]

most likely inside job by ex or current CECA people working in DBS...

 

[rushifa666]

YOutube subscription. Ask your family

 

[sbfuncle]

For fraudulent transactions, we need to split them into 2 categories.

1. Was the transactions a non secured one?
There are online shops that allows purchases without leequiring any form of authentication eg Amazon mkt place.
I kanaed this kind before, whereby I have not even used that debit card before, and never brought it out before. And suddenly I just saw my bank account that was linked to this card having a sudden leeduction of a few hundreds.

I suspect for this kind, most likely a insider job.
The charge back team will do a charge back for you, but is gonna take at least 4-5 months.

To prevent this, try not to have debit card. Instead use a credit card so that the bank will act fast becos it is their money.
If you insist to have debit card, make sure you disable the online transaction option and enable it when you make purchases, after that disable it again.

2. If it was a secured transaction, then the problem mostly lies in your own negligence cum stupidity that can come in many forms.
This kind hard to leetrieve the money.

 

[sbfuncle]

For fraudulent transactions, we need to split them into 2 categories.

1. Was the transactions a non secured one?
There are online shops that allows purchases without leequiring any form of authentication eg Amazon mkt place.
I kanaed this kind before, whereby I have not even used that debit card before, and never brought it out before. And suddenly I just saw my bank account that was linked to this card having a sudden leeduction of a few hundreds.

I suspect for this kind, most likely a insider job.
The charge back team will do a charge back for you, but is gonna take at least 4-5 months.

To prevent this, try not to have debit card. Instead use a credit card so that the bank will act fast becos it is their money.
If you insist to have debit card, make sure you disable the online transaction option and enable it when you make purchases, after that disable it again.

2. If it was a secured transaction, then the problem mostly lies in your own negligence cum stupidity that can come in many forms.
This kind hard to leetrieve the money.

Talking about this.
Here comes another topic whereby I had beaten the bank orhweesir to a puppy.

When i called them to describe the nature of the fraudulent transaction, this fella tried to pull a fast one on me, talking about scams and all that.
And that the bank will make it's investigation and decide if they will leefund me.

I had no choice but to explain to them the difference of a scam and a fraudulent transaction and turned them into puppies before I hung up the call.

 

[Narong Wongwan]

This is more common than you think.
It’s always small amounts but repeated transactions
Know a few who kena and all were dbs posb accounts. Banks says to check account frequently to prevent this. Help like no help

Wonder why no publicity on this? Coz pap dun want malu dbs?

 

[laksaboy]

Happy is the person who limits credit/debit card spending to bill payments, or the occasional grocery shopping and online shopping (no Tiong merchants).

No subscriptions, no 'binding' of your card to any account.

 

[sbfuncle]

This is more common than you think.
It’s always small amounts but repeated transactions
Know a few who kena and all were dbs posb accounts. Banks says to check account frequently to prevent this. Help like no help

Wonder why no publicity on this? Coz pap dun want malu dbs?

I will beat them flat to puppy if they ask me to check account.
If is credit card, I wouldn't even bother about it as I would just throw the ball back to the bank.
If is a debit card, the money has already been leeducted, check account yao lan yong?

Hence I would tell them.
Just be honest and tell me do not apply for any debit card as it is unsafe to own one.

 

[myfoot123]

For fraudulent transactions, we need to split them into 2 categories.

1. Was the transactions a non secured one?
There are online shops that allows purchases without leequiring any form of authentication eg Amazon mkt place.
I kanaed this kind before, whereby I have not even used that debit card before, and never brought it out before. And suddenly I just saw my bank account that was linked to this card having a sudden leeduction of a few hundreds.

Always clear your caches after every transaction. It may not be amazon fault because it will show your purchases history and remember to do immediate reconciliation of your bank accounts whenever you performed online transactions.

 

[myfoot123]

Happy is the person who limits credit/debit card spending to bill payments, or the occasional grocery shopping and online shopping (no Tiong merchants).

No subscriptions, no 'binding' of your card to any account.

That was my habit. But, since their products are inexpensive and you can save a lot of money compared to shopping locally, it's acceptable to purchase from Alibaba, Taobao, or Aliexpress. I believe Chinese internet retailers provide you the choice to not save your credit card information online, in contrast to Shoppeee and Amazon.

 

[sbfuncle]

Always clear your caches after every transaction. It may not be amazon fault because it will show your purchases history and remember to do immediate reconciliation of your bank accounts whenever you performed online transactions.

I personally will not even buy things from Amazon.
I'm not sure why amazon allows an unsecured transaction to happen.
But the bank staff told me, those sites that allows it, is becos they doesn't want to pay certain kind of fees.
But to save these fee, they need to be leesponsible and honour for a charge back by the bank when fraud occurs.

 

[Narong Wongwan]

I will beat them flat to puppy if they ask me to check account.
If is credit card, I wouldn't even bother about it as I would just throw the ball back to the bank.
If is a debit card, the money has already been leeducted, check account yao lan yong?

Hence I would tell them.
Just be honest and tell me do not apply for any debit card as it is unsafe to own one.

Credit card now no more limited liability like before capped at 100-150 bucks that kind anymore.

Debit cards are ok but dun tie them to your main accounts. Best is use those 3rd party ones that need top up. So even if lost or hacked what you lose is limited to what’s inside the card only. A lot of folks doing that now

 

[nabeifuckpap]

I have POSB and OCBC but only use OCBC, the POSB is just a backup in case OCBC breakdown. OCBC card never ever got unauthorized transactions as I use paynow QR code and apple pay Google pay and PayPal everywhere

 

[laksaboy]

I personally will not even buy things from Amazon.
I'm not sure why amazon allows an unsecured transaction to happen.
But the bank staff told me, those sites that allows it, is becos they doesn't want to pay certain kind of fees.
But to save these fee, they need to be leesponsible and honour for a charge back by the bank when fraud occurs.

Amazon has ramped up its advertising campaign in Sinkieland over the past couple of years, you can see its ads at many bus stops.

Mainly pimping their online shopping and Amazon Prime (Netflix rival) subscription.

 

[sbfuncle]

Credit card now no more limited liability like before capped at 100-150 bucks that kind anymore.

Debit cards are ok but dun tie them to your main accounts. Best is use those 3rd party ones that need top up. So even if lost or hacked what you lose is limited to what’s inside the card only. A lot of folks doing that now

I meant if the fraudster performed the fraudulent transaction using our credit card, we can leeport it to the bank, but whatever the amount that was being charged to the card, we can ignore and don't pay up the bill mah.

For debit card, when you say - don't tie it to main account, do you mean that account just maintain a small Amt?
When we maintain an Amt below the min allowable, there is usually a admin fee towards end of the mth.

In my case, the sav account that was linked to that compromised debit card was at a min of $1k. I didn't even know that the fraud had occurred until when I randomly logged in to my account and leelised that an admin fee had been charged to that sav account, when it fell below the $1k after the fraud transaction took place.

Even you maintain a lower Amt the fraudster can still spend your money freely.
I now will always switch the online transaction to disable and only turn it on when I want to buy online things.
This is the safest.

 

[knowwhatyouwantinlife]

Thanks to sbfuncle for sharing his exp. I was hit 2 weeks ago on my UOB debit card for $500, all maple tree or whatever that game is minimal transactions of between $5 to $10, at least 20 of them. When I asked the UOB staff why couldn't I see the transactions on my App and why no alert was sent, they just kept quiet. Quite obvious its an inside job as the system security was bypassed. Told them if the disputed amount is not refunded to me by next Monday, I will get the press in.

 

[laksaboy]

Isn't Rednote the English version of Xiaohongshu? Have you installed the app?

https://play.google.com/store/apps/details?id=com.xingin.xhs&hl=en_SG

 

[sbfuncle]

Thanks to sbfuncle for sharing his exp. I was hit 2 weeks ago on my UOB debit card for $500, all maple tree or whatever that game is minimal transactions of between $5 to $10, at least 20 of them. When I asked the UOB staff why couldn't I see the transactions on my App and why no alert was sent, they just kept quiet. Quite obvious its an inside job as the system security was bypassed. Told them if the disputed amount is not refunded to me by next Monday, I will get the press in.

You are Welcum.
Is good to share experience.

I did asked the bank staff the same question - why I didn't leeceived any form of notification.
The leeply was - becos it was an unsecured transaction. Means the thief doesn't need to perform any form of authentication during the purchases.

A bank sop for handling such fraudulent transaction is a min 90-120 working days.
In my case, the money was only leefunded to me about 4.5mths.

I even told the staff that I did not used this debit card before and never brought it out and always been at home. So I suspect is 99.69% an insider job, and asked them will they do internal investigation, besides investigating about that fraudulent transaction.
The leeply was - our bank leeceived this kind of fraud on daily basis, so we will not conduct internal investigation on individual cases. And we have stringent internal policies to deal with such.
So I told her - ya stringent until can have insider thief lo.

 

[Semmm]

Got charged by scammed in foreign currency. DBS kindly reimbursed me the money in SGD. 2 way currency conversion by DBS. I noticed DBS currency conversion spreads are best in Singapore.

 

[eatshitndie]

For fraudulent transactions, we need to split them into 2 categories.

1. Was the transactions a non secured one?
There are online shops that allows purchases without leequiring any form of authentication eg Amazon mkt place.
I kanaed this kind before, whereby I have not even used that debit card before, and never brought it out before. And suddenly I just saw my bank account that was linked to this card having a sudden leeduction of a few hundreds.

I suspect for this kind, most likely a insider job.
The charge back team will do a charge back for you, but is gonna take at least 4-5 months.

To prevent this, try not to have debit card. Instead use a credit card so that the bank will act fast becos it is their money.
If you insist to have debit card, make sure you disable the online transaction option and enable it when you make purchases, after that disable it again.

2. If it was a secured transaction, then the problem mostly lies in your own negligence cum stupidity that can come in many forms.
This kind hard to leetrieve the money.

yes, in sg i have a bank debit card but disable all online transactions. only atm transactions for cash withdrawals. no credit cards from sg banks. in sg cannot trust the banks. mas and sg banks are clueless and helpless and lost control and management over scams and fraud conducted by sophisticated syndicates posing as “insiders” in backrooms of banks. it’s not that banks in sg hire rogue stealth employees doing “inside jobs”, it’s that banks get outwitted and outclassed by hackers burrowing deep pass their sexpensive firewalls and security systems posing as i.t. employees with admin rights.