Tell HN: Automatic fraud detection is making my life hell • Hacker News Board

Re: Tell HN: Automatic fraud detection is making my life hell

#31

Post by fredgrott » Fri, Oct 27, 2023, 3:30 PM UTC

CrendKing wrote: post #18

You do understand India is a country with huge number of scammers who targets US people, and they are causing US billions of dollars of damage [1] each year? Sure, you might not be a criminal, but how would these companies know? Plus, since you mention "gift card", you do know that scammers use gift cards to launder money, right? India doesn't put heavy hammer on scammers for various reasons. For example, since the s…

Your comments are ill-informed as several remote terminal providers have joined with scam-baiters and India police to combat this...new as in the effort started in Jan2023.

You need to update your information and knowledge

Re: Tell HN: Automatic fraud detection is making my life hell

#32

Post by Spriggan1313 » Fri, Oct 27, 2023, 3:31 PM UTC

al2o3cr wrote: post #6

I had to try literally multiple services just to buy expensive gift card So instead of contacting your bank or Amazon, you did the most money-laundering-looking thing you could do. Heckuva job there!

I work in fraud detection in the US and the number of people that end up making their legit purchases look like fraud is way too high.

Re: Tell HN: Automatic fraud detection is making my life hell

#33

Post by ellyagg » Fri, Oct 27, 2023, 3:31 PM UTC

I live in California and nike.com just cancelled my last two orders without notice because they "couldn't verify my billing information", according to the chat rep. It's the same billing information I use everywhere for years.

Re: Tell HN: Automatic fraud detection is making my life hell

#34

Post by PKop » Fri, Oct 27, 2023, 3:32 PM UTC

havan_agrawal wrote: post #24

CrendKing wrote: post #18

You do understand India is a country with huge number of scammers who targets US people, and they are causing US billions of dollars of damage [1] each year? Sure, you might not be a criminal, but how would these companies know? Plus, since you mention "gift card", you do know that scammers use gift cards to launder money, right? India doesn't put heavy hammer on scammers for various reasons. For example, since the s…

Your comment takes an (unfair IMO) position that it somehow matters what country the OP was in. It's not like the auth systems are designed for higher scrutiny in specific countries. There is more than one way to confirm identity, but somehow BigTech and Co keep assuming a happy path environment for you. Case in point: my US bank insists on sending an OTP to my US number (and US number alone) for any transaction, mak…

>It's not like the auth systems are designed for higher scrutiny in specific countries

Of course it matters and of course they are.

Everything you describe and OP describes are frictions that apply by virtue of you not being in the US, on purpose.

Re: Tell HN: Automatic fraud detection is making my life hell

#35

Post by tayo42 » Fri, Oct 27, 2023, 3:32 PM UTC

the 2fa with a phone number drives me crazy when i travel. I couldnt get into my accounts because of it on one trip. frustrating that sites assume you always have a connected phone. had this happen on a airplane too

Re: Tell HN: Automatic fraud detection is making my life hell

#36

Post by supriyo-biswas » Fri, Oct 27, 2023, 3:33 PM UTC

(Tell HN:)

Also:

> Yet, many online services are giving me hell with their "smart" anti fraud detection and things like that

To provide a contrarian opinion, credit card testing, free trial abuse, and other forms of fraud are a thing, so companies usually have to layer other anti-fraud mechanisms on top of 3D secure.

That being said, what service are you facing issues with? I do see Amazon as one of the listed services, but they do eventually remove such suspensions. (My experience was with AWS though.)

Re: Tell HN: Automatic fraud detection is making my life hell

#37

Post by PKop » Fri, Oct 27, 2023, 3:34 PM UTC

fredgrott wrote: post #31

CrendKing wrote: post #18

You do understand India is a country with huge number of scammers who targets US people, and they are causing US billions of dollars of damage [1] each year? Sure, you might not be a criminal, but how would these companies know? Plus, since you mention "gift card", you do know that scammers use gift cards to launder money, right? India doesn't put heavy hammer on scammers for various reasons. For example, since the s…

Your comments are ill-informed as several remote terminal providers have joined with scam-baiters and India police to combat this...new as in the effort started in Jan2023. You need to update your information and knowledge

Just because there are efforts to combat the problem to some degree does not mean the problem is solved or that there isn't a major problem to begin with.

Re: Tell HN: Automatic fraud detection is making my life hell

#38

Post by ta_vf7xjd34cc » Fri, Oct 27, 2023, 3:34 PM UTC

CrendKing wrote: post #18

You do understand India is a country with huge number of scammers who targets US people, and they are causing US billions of dollars of damage [1] each year? Sure, you might not be a criminal, but how would these companies know? Plus, since you mention "gift card", you do know that scammers use gift cards to launder money, right? India doesn't put heavy hammer on scammers for various reasons. For example, since the s…

> huge number of scammers who targets US people

Scammers, as a category, target everyone. You think Indians don't get conned into sharing their OTP/passwords or financial details?

> They are too short-sighted to not see that the "industry" is damaging India's global reputation

India has one of the lowest police officers to population ratios in the world. They are so swamped with day-to-day crimes and other nonsense and providing protection to events and politicians that India's "global reputation" is simply not on their radar.

You cannot buy a SIM for your phone or open a bank account without providing ten types of identity documents but these scammers seem to have an infinite supply of phone numbers and bank accounts. That is just the way things are.

Re: Tell HN: Automatic fraud detection is making my life hell

#39

Post by aiProgMach » Fri, Oct 27, 2023, 3:35 PM UTC

CrendKing wrote: post #18

You do understand India is a country with huge number of scammers who targets US people, and they are causing US billions of dollars of damage [1] each year? Sure, you might not be a criminal, but how would these companies know? Plus, since you mention "gift card", you do know that scammers use gift cards to launder money, right? India doesn't put heavy hammer on scammers for various reasons. For example, since the s…

Laundering money using 100-200$ gift cards?

Re: Tell HN: Automatic fraud detection is making my life hell

#40

Post by kevstev » Fri, Oct 27, 2023, 3:35 PM UTC

ryandrake wrote: post #4

Every time I travel abroad, some company's poorly thought out software goes bonkers and then it becomes my problem to solve. Hey, companies: People travel. Sometimes very frequently. This is not an edge case or an obscure P3 bug. If you're assuming that a mere sudden change in IP to a different country is "suspicious" then you're doing it wrong. Your software is a mess and can't seem to deal with it. Maybe take a bre…

One thing I try to do to avoid this is to always make a purchase at the airport before I go overseas. This seems to calm down the algos a bit. I used to go through this a bunch too.