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Tell HN: Automatic fraud detection is making my life hell

news.ycombinator.com

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

#91

Post by worik »

codetrotter wrote: post #47

This sort of thing is where I hope Bitcoin can help more people.

> This sort of thing is where I hope Bitcoin can help more people.

It is a use for a Bitcoin like system

(The transaction costs, planet destroying character, and slow speed probably not Bitcoin)

It is the intersection of money laundering and normal requirements

Stopping crime by stopping money laundering will always have these problems, surely?

Is there a way to inhibit CC fraud, and money laundering without making life difficult for people who are in the tails of the distributions?

Even cash will not suffice as many places no longer accept it

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

#92

Post by pshirshov »

When I was on a trip to another country, Revolut blocked my card. I complained, they apologized, gave me €20 as a compensation and seemingly fixed something, at least it didn't happen again during several subsequent trips. Speak with your bank. Maybe change your bank.

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

#93

Post by worik »

Spriggan1313 wrote: post #32
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.

> 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.

I don't think you meant it. But that is blaming the victim

A bit uncool

One of the main features of capitalism is you can dispose of your property as you like.

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

#94

Post by sangnoir »

pshirshov wrote: post #90
neilparikh wrote: post #86

Earlier quoted context omitted.

When I was traveling abroad, I placed an order on Walmart, shipping to my home address, so that it would be there for me when I got back home. Walmart cancelled the order, "due to location restrictions on placing and shipping orders", even though the delivery address was in the US! I have no idea why the physical location of the computer placing the order should matter to Walmart. Eventually I just had to get my frie…

A tailscale node on your AppleTV at home will fix the issue for you.

Wireguard on a $15 Raspberry Pi Zero works as well[1], for those who don't have AppleTVs.

1. Or OpenVPN on your router. It's probably to gove yourself a tunnel to your home-network you can use from your phone or laptop from anywhere in the world. Avoid default ports if you can.

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

#95

Post by anish_m »

I worked on one of these Fraud detection systems at Airbnb. Statistically, You are in 1% population with the your usage patterns. For most part, all ML models which are used to detect fraud have to take a trade off between precision/recall - meaning how often they let good guys suffer vs let bad guys in. BUt what most of these systems are missing is the appeal and escape path.

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

#97

Post by edmundsauto »

aiProgMach wrote: post #25
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!

hmm no, my bank is fine, Amazon customer service told me they won't accept my card, that was the only option, but excuse me, how is 100-200$ gift card is money laundering?

Buying gift cards with stolen credit cards is like fraud/money laundering 101. The amount is not really a differentiator either because a lot of carders will run smaller test transactions to see if the card is still active.

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

#98

Post by DANmode »

brianmiddleton wrote: post #13

I move to random corners of the world every 2-3 years and this is starting to give me real anxiety every time I try to make a purchase. One of my credit cards makes me jump through all of the verification and "Was this really you?" messages, then still locks my account half the time. So many online stores will approve my purchase and bill the card with no issue, then cancel it a few hours later for vague security rea…

Name and shame so we can avoid if we choose?

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

#100

Post by Hackbraten »

uoaei wrote: post #19

I have completely lost access to my Amazon account because I had the audacity to use a correct login and password from a recognized machine in a different part of the world from my shipping address. I called customer service and they said the only thing I can do is create a new account with a different email.

How old was your account when you lost access to it?
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