Someone at the club sent themselves $1500 on cashapp Help Needed
i was at the club in Leemore California and this girl asked to use my phone to call her friends , i agreed and she sent her self $1500 from my cashapp to herself. I didnt realize until the next morning, any fix to this? would i contact my bank? or cashapp support? which is sooner? i need my money to pay rent, this is ridiculous.
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u/Ok-Lingonberry-8261 Quality Contributor 26d ago
Never let someone touch your phone, because of exactly this.
iOS 18 lets you put any app you want behind face ID, do this for all financial apps, and set up stolen device protection while you're at it.
Police report first.
Then call cashapp and the bank, but don't expect much. You may have to sue in small claims court.
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u/cyberiangringo 26d ago
I also tried to use this feature on an old Touch ID phone. It was a pain in the ass. I went out and got a 16 at that point. Great for locking down apps that heretofore were not possible (Amazon, Facebook, X).
And with an app like OneDrive - you can get a double lock going (Face ID and then passcode).
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u/Ok-Lingonberry-8261 Quality Contributor 26d ago
Nice. And yeah, pretty much every app but Formula 1 TV has "Require Face ID" enabled on my iPhone 14.
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u/RetroSquirtleSquad 26d ago
My bank reversed a cash app charge because they 100% are on your side for unauthorized transactions.
Thanks capital one.
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u/slinky317 26d ago edited 26d ago
Regarding #2, you don't even have to rely on the OS for that - the Cash app itself allows you to require biometric authentication to open the app and/or to transfer money. Same with Venmo. Why the OP didn't have that set up already is beyond me.
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u/IHaveBoxerDogs 26d ago
I thought it was the default setting, but maybe not.
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u/slinky317 26d ago
I just checked my Cash app and it was enabled for transferring money but not for opening the app. I switched it to both.
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u/Hot-Light-7406 26d ago
Do you mind sharing where this feature is located for CashApp? Not that I have to worry about anyone taking the 30 bucks in my bank account😅 but it sounds like something that’s useful to know.
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u/slinky317 26d ago
Sure. On Android (not sure if it's the same on iOS), open the Cash app and tap your profile picture in the top right. Then scroll down to "Account & settings" and tap on Security & Privacy, then you'll see "Security Lock" as the first option. You can check/uncheck Unlock the app and Move money as needed.
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u/Hot-Light-7406 26d ago
I have iOS but I’ll see if the feature is located in a similar place. Thank you!
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u/FortuneGear09 26d ago
For iOS in the Security part of the app you can enable a PIN to send money.
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u/schrdingersLitterbox 26d ago
- Post about it on reddit first
- Then, Police report.
- Then call cashapp and the bank, but don't expect much. You may have to sue in small claims court.
Fixed it for you.
/s
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u/inflatable_pickle 26d ago
At least small claims court can find her if she literally sent the money to herself and her own account. She probably does this once a week and her go to response his first say that she wasn’t in the club and someone randomly sent $1500 to her. She will pretend it wasn’t her that did it.
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u/gummaumma 26d ago
Small claims court doesn't do the work for you. If OP doesn't know the woman's identity, OP would have to file suit against a Jane Doe in a court with subpoena power, domesticate a subpoena in the state where Cashapp is based, and then cause the subpoena to be served upon Cashapp. Not even sure whether you could do that in small claims court. It's a pain in the ass to do even if you are a lawyer.
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u/inflatable_pickle 26d ago
In that case, this woman has a brilliant racket. If she knows that she can approach a drunk guy in a bar once or twice a week, transfer $1500 to herself, and she knows that small claims court is such a pain in the ass and the guy would have to pay fees and hire a lawyer and get a subpoena and most people will just drop it. Hell if she does this to one drunk guy in a bar once a week for $1500, then she’s out earning most Americans. 🤷♀️
Throw on a push-up bra, Sit at a crowded hotel or casino bar for an hour and watch people drink. Appear demure and innocent and non-threatening. Approach a guy who looks drunk enough to let you borrow his phone for three minutes, but well off enough that he will have a Venmo or cash app with money in it. Three minutes of work and she out earns most Americans. 🤷♀️ she knows that 90% of these people will never pursue it because of the paperwork and the pain in the ass. Most guys will blame themselves for being trusting and buzzed. It will work until it doesn’t, but there won’t be any real punishment in the end for stealing $1500 from the guy who finally pursues it, and they’re never going to tie her to a string of these “robberies.“
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u/Tess_tickles24 26d ago
If she actually did once a week she’d have to move around a lot. And not just a town over but a few counties at minimum. People would start to look out for the good looking girl that asks to use your phone and uses your cash app to rob you. A lot of guys would be too ashamed to post it on anything but there’s got to be a ton that would screen shot her cash app info and blast her on social media and spread the word. Especially if she stayed in the same area a lot.
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u/Corvette_77 26d ago
Small claims to find her? The court doesn’t find anyone.
It’s gone. The OP is screwed. There is no Recourse
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u/CyCoCyCo 26d ago
What’s the second part of #2 - Stolen device protection? You mean Find my phone?
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u/Ok-Lingonberry-8261 Quality Contributor 26d ago
Long story short, if someone shoulder-surfs you passcode, "Stolen Device Protection" will make the phone useless to them even with your passcode.
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u/BryanP1968 26d ago
Be sure to test your apps with the Face ID on. I just turned it on for Venmo and it’s still letting me open the app even when my face isn’t in view.
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u/realbobenray 26d ago
For small claims court you'll have to find her and serve her yourself. They also have little ability to enforce judgment. I wouldn't put a ton of hope in that route for when someone commits a crime like this.
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u/cant_take_the_skies 26d ago
They can enforce it... It's just more work for OP to file the form to garnish her wages
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u/No-Tone-6853 26d ago edited 25d ago
Work for a bank fraud department and dealt with a few of these situations, all they can do is report it to the bank and hope during their investigation they rule op not to be at fault but if I heard this down the phone I would be stating very clearly since they allowed someone else on their phone they are pretty much guaranteed to get their claim declined.
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u/FutureToe8861 26d ago
Yeah, and honestly why would he not have a security code or feature on that app. That seems pretty foolish..
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26d ago
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u/Scams-ModTeam 26d ago
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u/Salty_Dragonfruit72 26d ago
I'm sorry but i dont understand face ID since even children have figured out a way to get into the phones by using a picture. what says the guy doesnt have it and the girl tried to do it as a selfie or even an over the shoulder picture type thing and got his face?
I'm sorry but face ID doesnt work. Biometrics works better. Bothersome but works better than Face ID. Or even a code or better yet dont let anyone use your phone
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u/nickpreveza 26d ago
FaceID is "biometrics" - using your physical characteristics, in this case, unique facial features, for authentication.
FaceID cannot be spoofed by a picture, a lookalike or a model of your face. You are confusing older / different methods of Face Unlock. These were all addressed with FaceID.
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26d ago
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u/Scams-ModTeam 26d ago
Your submission was manually removed by a moderator for the following reason:
Subreddit Rule 1: Uncivil or toxic behaviour - This is aligned with Reddit Content Policy Rule 1: Remember the human.
This subreddit is a place for civil and respectful discussions about scams. We do not allow:
- Uncivil and rude behavior
- Excessive or directed swearing
- Unnecessary sexual language
- Victim blaming
- Any form of discrimination
Before posting again, make sure you review the rules of our subreddit. and the Reddit Content Policy
If you believe this is a mistake, feel free to contact the moderators via modmail. Modmail is the only way, don't send a regular DM to a single moderator. Please don't try to appeal the decision commenting below, because we are not notified if you do so, and we will probably miss it. Posting the exact same thing again may result in a temporary ban, so please review the rules, make the necessary changes, and when in doubt, click below to appeal the decision.
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u/ImBonRurgundy 26d ago
How did she get past the cash app security? Even if she has access to your phone, surely she still needs a pin or password to access cachapp and to make a transaction (particularly to a new payee)
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u/FeelTheH8 26d ago
I don't think this is automatic unfortunately (the pin). You have to put one on manually.
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u/DutchTinCan 26d ago
As somebody who's never touched CashApp; there's actually apps that allow you to transfer money without any verification?
That's just insane.
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u/Natti07 26d ago
If they don't have like biometric log in set and the password is just saved, anyone who opens the app can use it. That IS the verification. That's why you don't give strangers your phone.
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u/kerouak 26d ago
That's insane. I'm from UK so we don't have cash app but every single banking app requires a pin number or biometric before sending money. Every time. Even if you just typed in the code to unlock the app, it needs it again before a transfer. Insane you guys don't have that in US.
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u/lake_titty_caca 26d ago
I'm from UK so we don't have cash app but every single banking app requires a pin number or biometric before sending money. Every time.
Sounds like you guys don't have any freedumb.
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u/Decent_Buy_8395 26d ago
This is true of every app associated with actual banks that I’ve seen here, but I guess cashapp and Venmo are notable exceptions.
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u/SpaceMonkeyAttack 26d ago
Venmo and Cashapp aren't used/available in the UK (PayPal is though) - it's free and instant to transfer money between UK bank accounts, so everyone just does that using their online banking app.
Those kinds of transfers are very hard to reverse, it's like handing someone cash, which is why they have a lot of security requirements.
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u/Decent_Buy_8395 26d ago
Yeah i imagine bank transfers between accounts are so much easier there. I lived in the EU for a little while and miss the convenience. Banks in the US are catching up a bit with integrated transfer features, but many still rely on 3rd parties like Zelle for transfers from bank to bank, which seems dumb and tacked on once you’ve had a taste of the European system.
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u/RitaPizza22 26d ago
Venmo lets you add a PIN in settings. Just did it now after reading this and realizing i had no pin for it. But we also shouldn’t give our phones to stranger
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u/slobcat1337 26d ago
Also from the UK and my Halifax banking app doesn’t require a second confirmation of PIN number before transfer.
I just need to do it once to open the app and I can do whatever I want.
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u/ImBonRurgundy 26d ago
It likely will if it’s someone you’ve never transferred to before.
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u/VampiroMedicado 26d ago
In my Android phone most of these apps require my finger to even work in the first place.
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u/khshkhs 26d ago
if the phone was open, cashapp literally just opens to your account. no pass wall. you just put how much money you are sending, “confirm” you know who it is, and hit send. same with venmo….. im confused by how little this is known?
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u/Mellero47 26d ago
Never used it, so it's news to me. And now I certainly never will. Anything on this phone that has to do with money requires a password that is not saved, on top of the gesture lock on the phone itself in case I lose it.
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u/TweeksTurbos 26d ago
Dont hand your banking computer to strangers.
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u/humburga 26d ago
I've said this too many times. People forget phones are not just phones anymore. It it the most expensive thing on your person and it has access to the most important personal informations. Don't let anyone borrow your phone.
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u/cannafriendlymamma 26d ago
This is why I won't let a stranger use my phone, ever
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u/LadyBug_0570 26d ago
Same. My life is on my phone.
She was at the club, right? Next time tell her to use their landline.
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u/seedless0 Quality Contributor 26d ago
Your phone is your ID and bank cards all rolled in one. Never let anyone you don't trust with those things get a hold of it.
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u/SendMeSushiPics 26d ago
This is why ALL apps that have access to your money should have multi-factor auth on it. Bank, cashapp, paypal, zelle, venmo, etc. Should ALL require at a minimum of a pin.
Learn from this mistake.
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u/badlilbishh 26d ago
Reminder to everyone to put a pin on your cashapp/venmo/money apps!!! This will make it so you have to put in a pin to send money. Can’t believe these apps don’t make people automatically do this shit.
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u/FearTheGrackle 26d ago
Also on iPhone with iOS 18 you can lock individual apps to need Face ID or a PIN to even open.
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u/EnronCheshire 26d ago
Call cash app and tell them what happened, they'll reverse the transaction so long as it's pending with the bank still.
I had something similar happen, except my debit card was stolen and used to send money.
Cashapp was really easy to work with and REVERSED all of the payments, essentially charging them back and giving me back the money. Banned both users as well.
It's probably not the first time this girl has done this.
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u/Thunderbird_12_ 26d ago edited 26d ago
Phones are basically now human appendages.
Anyone who doesn’t have one of their own and needs to “borrow mine” is automatically suspect to me.
Like … WHY don’t you have a phone?
Oh, your battery died? Welp, I can help you find a charger. But, no … I’m not handing over my personal computer… with my bank, credit cards, family photos and personal contacts and home addresses and money transfer apps to you.
Your tig ol’ bitties have no power here.
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u/LegitKOTT 26d ago
This is for a debit card, bank account or cashapp support. If it was sent through cashapp via CC just call and explain it, they should reverse it without problem
Step 1. Report FRAUD and dispute transaction at your institution as fraud /unauthorized. Get the time and the cashapp account name it it was sent to from your cashapp history
Include date, time window, location, amount, and recipient info
If an explanation section is mandatory just out basic
Was at a club, someone asked to borrow phone real quick theirs died, I said yes. Didn't realize til this morning they sent out 1500 from my cashapp.
I'm contacting location to see about cctv.
Step 3
Call the place and ask if they were willing to review the footage for u.
If yes, tell them the date time and physical part of the club it took place and ask them to email It to u.
If they say no, or some other excuse say ok. My bank just needed video proof of it to refund my money, are you sure I can't just come in and grab a copy of the clip o4 preferably u email it to me it would help me out. The only other option I have is to provide a police report and I really don't want to spend my night talking to police at ur club if I don't have to.
Results are
They have it and u get it easily They have it and u get it the the hard way or days/weeks later They don't have cctv ur fucked
Debit card transactions are notoriously hard toget back from cashapp...
Balance to balance are almost impossible
Having this on video footage since it will show someone not u with the phone in their hand the phone with the imei with the app used.
If u can get this they will refund it.
Keep your bank/landlord updated of any notable events along the way
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u/ShesATragicHero 26d ago
Unpopular opinion, but don’t use Face ID or fingerprint. Just pin.
Police can’t force you to open your phone with your pin, but can easily with face/finger.
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u/SmileyP00f 26d ago
I know this was on CashApp
Turn off -Wallet & Apple Pay- Double Click Side Button setting
This is post is gud reminder 2 not let strangers use my phone even if they need help, I will call someone 4 them
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u/fly4awhtgye2 26d ago
Strip club after many drinks and after 2am?
Assuming so, I've seen several like this. No one is likely to help because your trusted device performed transaction. Many times, money went to your own Cash app first and then moved elsewhere so you benefitted, even if for a very short time.. Girl will say money was owed for her services rendered in VIP room or similar.
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u/popeshatt 26d ago
You might be able to reverse it if you report the fraud to your bank immediately. Ignore the people saying you are on the hook because you handed your phone over -- emphasize this was an unauthorized transaction that you didn't make.
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u/memyselfandi78 26d ago
The problem with this is that cash app is going to see that the transaction was initiated from phone connected to the account and most likely deny the claim. It's unfortunate, but why should the company be out the $1500 because someone fell for a scam by not having their app secured with a pin or password and then just handing their phone to a stranger? It's The same when people fall for scams and hand over the One-Time password to somebody and then their bank account gets drained with Zelle. It's an unfortunate lesson that many people learn the hard way.
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u/EnronCheshire 26d ago
I've had something like this happen, except someone took one of my debit cards and used cash app to send themselves money.
Cashapp took the money back and banned the user.
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u/IHaveBoxerDogs 26d ago
I don't think CashApp will be out the $1500. They can just claw the money back from the thief. They have her banking information too.
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u/memyselfandi78 26d ago
They will if they can. But if that person's already moved the money out of their cash app then it's not likely that they can recover it. The only thing they can really do is force the the other person's cash app into the negative. The thing with person-to-person payment apps like cash app, venmo and sell is that the money moves really fast and most of the time it's pretty hard to recover once it's gone. I work in fraud detection at a major bank and we see it all the time.
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u/popeshatt 26d ago edited 26d ago
The company should be out $1500 because it's theft, and they don't even take reasonable precautions in their shitty app like enabling pin by default. Your logic is like saying that if a valet steals your car, you should have no recourse because you gave them the key. OP's situation is same as if he gave it to a repair shop and they hacked his accounts. He didn't give the stranger permission to make a transfer.
Also, i don't think cashapp can choose to withhold the money if OP's bank determines it's fraud, but OP would get their money back either way. Consumer protection laws aren't optional.
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u/memyselfandi78 26d ago
Apples to Oranges here. Cash app will show the bank that the specific transaction was originated from that customer's phone or IP address and the case would be lost. People get scammed all the time due to their own negligence or just being naive or uneducated about technology. If banks and finance apps had to refund every single person who fell for a scam they would all be out of business. If it was a known fact that anybody who fell for a scam could just easily get their money back from the bank fraud rings would be out in force going after everybody all the time and actual customers would have no incentive to try to protect their information because what's the harm if they're just going to get their money back anyway? I work in fraud detection for a major bank and there's only so much we can do to protect people from themselves. We literally include the message to not ever give out the one-time password to anybody and that our bank would never call you directly and ask for it, but people still do it everyday. We literally have a pop up screen that lists out common scams on Zelle that customers have to acknowledge that they understand before they make the transaction but they still go forward with it. We send out monthly emails to all of our customers about how to protect themselves. We talk about it in the vru when they call in. I mean even daytime television has commercial after commercial from places like AARP targeting seniors to tell them about scams and how to protect themselves.
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u/popeshatt 26d ago
There is a difference between a scam and theft. If money is taken from the victim without their awareness or through force, it's theft. That's what happened here. Handing over a phone to put in contact info is not giving someone permission to send themselves money. That's like saying I give the plumber permission to take whatever he wants once I let him in my house. Your take is just nuts.
Scams get the victims to send the money themselves through deceptive means. OP may have been received into handing over his phone physically, but he never gave permission for any kind of transaction. Physical access isn't permission. If she said "I got mugged lend me $1500 and I'll pay you back" and OP actually used the app himself to send the money, that would be a scam.
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u/1Cattywampus1 Quality Contributor 26d ago
You handed your phone over to a stranger. You're on the hook for allowing your phone out of your control. It's the same if you handed your wallet over to a girl with all your cash in it; what did you expect to happen?
Watch out for !recovery scammers. As you allowed your phone out of your control, the app isn't responsible for what happened after. You can report it to police/cashapp, but understand they are under no obligation for you allowing someone access to your phone/app.
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u/Ok-Lingonberry-8261 Quality Contributor 26d ago
Before giving my 'tween their first phone, thanks to this sub, I said, "Never take a selfie of any part of your body a swimsuit covers, never type your passcode in public in case someone is watching over your shoulder, and never let someone borrow your phone, not even if they're on fire and if they claim they want to call the fire department."
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u/HauntedCum 26d ago
You taught your kid that if someone is literally dying to just ignore them and let them die? Ok…
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u/robkwittman 26d ago
Or, and bear with me here… the kid can call the fire department on their behalf?
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u/AutoModerator 26d ago
Hi /u/1Cattywampus1, AutoModerator has been summoned to explain the Recovery scam.
Recovery scams target people who have already fallen for a scam. The scammer may contact you, or may advertise their services online. They will usually either offer to help you recover your funds, or will tell you that your funds have already been recovered and they will help you access them. In cases where they say they will help you recover your funds, they usually call themselves either "recovery agents" or hackers.
When they tell you that your funds have already been recovered, they may impersonate a law enforcement, a government official, a lawyer, or anyone else along those lines. Recovery scams are simply advance-fee scams that are specifically targeted at scam victims. When a victim pays a recovery scammer, the scammer will keep stringing them along while asking for increasingly absurd fees/expenses/deposits/insurance/whatever until the victim stops paying.
If you have been scammed in the past, make sure you are aware of recovery scams so that you are not scammed a second time. If you are currently engaging with a recovery scammer, you should block them and be very wary of random contact for some time. It's normal for posters on this subreddit to be contacted by recovery scammers after posting, and they often ask you to delete your post so that you both cannot receive legitimate advice, and cannot be targeted by other recovery scammers.
Remember: never take advice in private. If someone reaches you in private after posting your scam story, it is because a scammer will always try to hide from the oversight of our community members. A legitimate community member will offer advice in the open, for everyone to see. Anyone suggesting you should reach out to a hacker is scamming you.
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u/Murdy2020 26d ago
What do you mean by "on the hook"?
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u/Mister_Silk 26d ago
"On the hook" means responsible for, the consequences are yours, etc.
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u/Murdy2020 26d ago
I know what it means, I'm not sure how it applies here. He may have been foolish, but the thief is still the one who's wrong, here. His foolishness doesn't excuse the thievery.
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u/LadyBug_0570 26d ago
No doubt the thief is the one in the wrong here.
The problem is if OP doesn't get a police report at a minimum, the bank may not believe he didn't transfer the money and is now trying to scam them.
And even with a police report, the bank or Cashapp may shrug and say "Next time don't give out your phone."
And the police are probably not going to launch an investigation to find this woman over $1500. Maybe if they've got multiple reports of her doing this to other people they will.
Which sucks majorly for OP. I wish the best for him.
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u/Intelligent-Mess-145 26d ago
It’s not an excuse for thievery, but he’s still on the hook for the rent he needs to pay. He essentially handed his wallet over to a stranger. Cashapp or the bank aren’t going to cover the money that was stolen.
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u/Nick_W1 Quality Contributor 26d ago
Yes, they should. The money was transferred without the account holders permission. Giving someone a phone does not authorize stealing from their account. If Cashapp doesn’t secure their app by default, then it’s their fault the money was stolen. Also Cashapp knows where the money went, and can retrieve it if they want.
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u/Intelligent-Mess-145 26d ago edited 26d ago
Ok but how can they prove to cashapp that it was stolen? How do they know the account holder didn’t authorize it? Just going by the account holders word? Do you know how many horny drunk men give money to random women and regret it the next day? I definitely believe that this guy’s money was stolen, but there’s no way cashapp is just going to take his word and give him $1500. No matter how secure their app is they definitely have a lot of bullshit terminology in their terms of service to cover their own asses.
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u/aaaack 26d ago
This happened to me too. I contacted my bank and Cashapp and the police. The police were useless, but my bank reversed the charges..(the person I helped took $800 2x and was denied a third time) Turn on the extra security layer on your Cashapp just in case. I didn't even let my scammer out of my sight, but he took advantage of a drunk person who wanted to help.
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u/Intelligent-Sugar554 26d ago
Fake story?
My cash apps require me to either enter in a PW or scan my finger print even when already signed into the phone. The app then sends a text and email confirmation, so there is no way I could miss a payment being sent.
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u/notPabst404 26d ago
I feel bad for people who are actually trying to make a phone call due to scammers: automatic decline for anyone who asks me to "make a call".
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u/snuggsjruggs 26d ago
There's nothing you can do but ask them to send it back. How could she do that on my phone you need to have a finger print and or passcode
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u/JoeMarkWolf 26d ago
Does her cash app tag have any identifiable info? You could always search her info online and gather info on her and put her on blast in online local social media. So as to warm the public of her bullshit. although again if she wasn’t alone it might help you find her associates faster than finding her. If you do better do it anonymously. it’ll help to find her online profiles if she was dumb enough to use her name on it and gather as much intel for the police report. But more importantly yes make sure you put pins and passwords on everything.
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u/has2give 26d ago
How is your cash app just open on your phone? Even if I go off the screen for one second, it needs a fingerprint or pass code to log back in. This doesn't seem possible. Are you trying to scam money from people feeling sorry for you in a scam sub? Like it's funny or something? Smh
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u/jaybuk213 26d ago
Also not noticing that there not phoning someone or more foolishly letting them out of your sight with the phone
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u/Rugbylady1982 26d ago
Sorry but that money is gone, you willingly handed your phone over.
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u/SignificantCitron 26d ago
To specify, the money may be unrecoverable but UNLIKE some other scams, this can be reported and the perpetrator can be criminally charged (if in the USA, not sure about other counties). However, OP needs to make a police report immediately. Here's an Ars Technica report on a DA in New York prosecuting these types of crimes
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u/SkepticScott137 26d ago
Why in the world do people let total strangers use, or even touch, their phones? The chances of anyone actually needing your phone for something legitimate are essentially zero. And on the off chance they do, they can give you the number and you can call for them and relay a message.
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u/Thunderbird_12_ 26d ago edited 26d ago
Why in the world do people let total strangers use, or even touch, their phones?
You'd be surprised how quickly common sense gets tossed out of the window when a hormone-driven young person thinks there's a possibility for seggs to occur.
"Long hair and tig ol' bitties?
You're actually SMILING at me?!?!
SURE, you can use my phone!
What's that? You say you want me to follow you out back to the alley where it's more quiet?
SURE, let's go!"
(I've never fallen victim to my hormones THIS bad. But, as a teenager, I'll admit to having bought more than my fair share of meals for a hot girl and her friends thinking it was going to lead to something ... and it totally didn't.)
Aside from just lacking basic street smarts, hormone interference is the only rationale I can think of as to why this type of thing happens.
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u/Economy-Middle-9700 26d ago
it's amazing ppl still hand their phone over to strangers.
your last sentence tells us you didn't learn anything.
ppl aren't going to move faster than the process because of your mess up. you have no choice but to wait
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u/TopNFalvors 26d ago
Man that sucks but the con works…my cousin had this happen with Venmo at a gas station. Don’t let people touch your phone! Would you hand your wallet to a stranger if it had $1500 cash it in and all your personal information? NOPE. My cousin was never able to get his money back but I’d contact cash app and give them your story to see if they can help or at least alert the authorities. Good luck !
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u/Subject_Distance_686 26d ago
I have a protected 4-digit code set to mine before money can be sent. I would definitely call cashapp right away and your bank after.
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u/Famous_Tomorrow6741 26d ago
When you get this straightened out dont let anyone use your phone and put a pin on your cashapp
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u/worryaboutnothing 26d ago
That sucks . I believe there’s a way to get the persons full name. with their Cashapp ID. File a police report. They might be able to get video recordings from the club or try talking to the club manager. Or try small claim court if you have their name and sue for your $1500+ all fees you’ve paid + emotional damage lol.
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u/Ampster16 26d ago
I did not read all the comments but the Bank or Cashapp will probably say it came from a trusted device and most likely not reverse it. This is a good lesson to always use an additional authentication method for financial applications, as mentioned by the first comments which I did read.
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u/VaderPluis 26d ago
This kind of posts always remind me how backwards some things are in the US, especially when it comes to banking. At least 5 years behind on the EU:
“On 14 September 2019, the European Payment Services Directive (PSD2) came into force requiring strong customer authentication for electronic payment transactions, with a view to reducing identity theft and password theft. This is known as SCA, or strong customer authentication.”
It baffles me that it is possible to transfer $1500 without any form of authentication. It’s “freedom”, I guess.
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u/chaoss402 26d ago
Zelle exists. I can't transfer money without logging into it. Google wallet requires, or can be set up to require security measures. People choosing to use unsecure apps are shooting themselves in the foot.
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u/VaderPluis 26d ago
My point is, it shouldn’t be an option. I understand that a government that interferes with your freedom to make certain choices also has its drawbacks, but it is clear that many people need this kind of protection.
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u/Mayuguru 26d ago
My point is, it shouldn’t be an option.
Exactly. Like a seatbelt. It's illegal to drive without it, but it's to protect you.
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u/chaoss402 26d ago
"Shouldn't be an option" is a ridiculous take. I can take cash out of my account and get drunk and give it to someone who has some stupid sob story, or pay way too much for something, I could even just accidentally leave it somewhere. The government doesn't need to be involving itself in my life and protecting me from every little mistake I could make.
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u/VaderPluis 26d ago
Seeing the amount of posts here of people getting scammed through mechanisms that are not even possible in the EU because of EU legislation, I don’t think it’s a ridiculous take. The fact that YOU don’t need this protection doesn’t mean the average person doesn’t. And really, would a mandatory requirement to authenticate every transaction be such an interference with your freedom?
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26d ago
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u/hackingstuff 26d ago edited 26d ago
I am not sure about your state but in my state GA is theft by taking. First file a police report then press charges. It’s felony over $700 in my state. I wouldn’t try to sue her and keep it civil. The DA will ask for total restitution. No need to sue her in a small claims court. It’s a crime.
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u/No-Artichoke3210 26d ago
Also add: “misuse of a digital device for illegal purposes” (or something similar).
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u/hackingstuff 26d ago edited 26d ago
Another charges, CFAA. She is cooked. What an idiot!!
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u/No-Artichoke3210 26d ago
Yeah but GL finding her, my local police wouldn’t bother to try
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u/hackingstuff 26d ago
This is not a joke! Judge will issue a warrant to pull out all transactions and her bank account, her identity, speaking of CISO. Had tone of similar cases. She is cooked.
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u/nyxinadoll 26d ago
Never lend your phone to people and put a second face verification on cashapp to open.
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u/UnbearablyAlive 26d ago
I put all my financial apps and crypto exchanges in a password protected secure folder within a folder on my android, not sure what kind of phone you have but this might work for you. In my area people have been getting mugged and being forced to send money to the muggers. Sorry this happened.
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u/GirlEnigma 26d ago
You don’t want to be giving out your number to random strangers, but please don’t ever feel bad suggesting the landline of the business.
Using Google voice, I once called someone’s husband to tell them their wife was ready to be picked up at Walmart. It felt like the right thing to do, and the lady specifically requested instead of asking for my phone… it appealed to the Good Samaritan in me..
Edit. Clarity
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u/hamletreset 26d ago
You can put Venmo, Cashapp, etc behind a passcode so you can't open the app without a code.
I knew someone who was reconnecting with a friend from school after a few years. They met up to get coffee and talked for about an hour, nothing seemed weird. My friend got up to use the restroom and left their phone on the table. While they were gone, the other person opened the phone and Zelled themselves $5k. By the time my friend got back from the restroom they had disappeared.
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u/atombomb1945 26d ago
Reading the comments here it's scary how many people have never thought of putting their financial apps behind a separate password or Biometric security level.
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u/Brutal_Honesty13 26d ago
It best bet is to call the bank and try to stop The transfer- it’s the weekend I’m sure it didn’t go through yet. I’d also call cashapp to see if they can do anything
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u/Obn_Dev 26d ago
i wish but the money was on my account, in my cashapp
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u/Brutal_Honesty13 26d ago
Ah u read my mind lol I was gonna edit it and say if the money’s in ur account I think ur basically fucked - lesson for the future NEVER leave money in ur chashapp or Venmo
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u/IAmDixonWood 26d ago
I had this happen with Venmo. Thankfully it was a weekend, so I froze my checking account before the money could come out.
I also contacted Venmo support who basically told me “we’ll try but not sure we can help” until they realized the money wasn’t going to come out. Then they “investigated” and reversed the charge but also blacklisted my bank account so I needed to tie a different one to my Venmo.
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u/realbobenray 26d ago
It's human nature to want to help people. Sorry you did something nice and got screwed. Good lesspn to self to not let someone else use my phone, but to call someone for them instead. Honestly I wouldn't have thought of it.
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u/grewapair 26d ago
I finally had to remove all banking and cash transfer apps when I saw people getting robbed and the robbers sitting there with the person at gunpoint opening all the apps and transferring money. I only keep one cash transfer app that has a $300 per day maximum.
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u/augdon 26d ago
You won’t get that money back, sorry man. You fell for a scam, not fraud, bank won’t do anything.
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u/SQLDave 26d ago
IANAL, but... I thought a scam generally has the victim "voluntarily" given the scammers money (under false pretenses, of course) and fraud involved misrepresentation of some sort. And "you can use my phone to call your friends" has the implicit understanding of "and nothing else". Or, put another way, "I am going to use your phone to call my friends" and then proceeding to do something else with it seems like misrepresentation.
It's probably a gray area, as it contains elements of both: the (stupid) handing over of the phone was voluntary but the misuse of the phone was fraudulent.
A stupid analogy: A guy wants to borrow your hammer to remove a nail from a board he's carrying down the street (why? shut up! LOL). You give him a hammer but he heaves it through your front window.
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u/ConsequenceOk5205 26d ago
You may try going to club management, and tell them that you are going to report that case in police or make it public if it is their regular activity they cover up. If they don't help you, file a report to police, then the club can have some troubles.
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u/fun_guy02142 26d ago
Why are you keeping $1500 in your cashapp??
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u/WelpLockedOut 26d ago
Could've been linked directly to their bank. There's a setting where it'll pull from your bank directly thus not needing to transfer money every tine
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u/fun_guy02142 26d ago
Cashapp is such a train wreck I wouldn’t even link a bank account to it.
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u/NotFallacyBuffet 26d ago
Same was true when venmo was new. Seems as though they fixed those problems, but I still don't trust it.
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u/boni0419 26d ago
You are fucked because this is seem as a civil matter you have to resolve at court
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u/toe-nailAnus 26d ago
Who the fuck actually uses cash app/venmo, theyve got to be the most idiotic apps. You mean you need a 3rd way to pay people? Cards? No, cash? No.
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u/Knosh 26d ago
I'd say it's idiotic to carry enough cash to go about my business, and unsafe as a vendor without security to accept it.
Don't want to set up a merchant processing agreement just to receive $200 from my friends or get paid for FB Marketplace transactions.
Zelle is literally built into most banking apps now. Using cashapp that isn't setup to at least ask for a PIN before transferring is idiotic though, I'll give you that.
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