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Twitch troll tries to donate $50k then chargeback as a prank. It ends bad.
- Thread starter Vex_
- Start date
Yeah, either the paypal is linked to a bank account, in which case it already had the money or the credit card linked to the paypal has no fucking limits which would be hard to get even with amazing credit. The guy had the money, or at the very least his family did. Also any bank would have tripped alarms with these kinds of spending. It was deliberate, it had to be
Parents who assumed their kid wasn't a complete idiot. A grave mistake.
Ninja Scooter
Member
Hard to feel bad. This wasn't some accident he knew what he was doing and as far as I'm concerned that money is gone. It's not like there is some good or product he can return to get the money back. It was (in theory) a donation or payment made in exchange for someone entertaining you via an Internet stream. It's like spending $50k at a strip club. You can't return those lap dances. Fuck'em. And like i said, if he didn't have his parents permission to use the card then his parents should file fraud with the CC company and have him arrested. Their call. Eat their stupid kid's mistake or have him arrested.
Phoenix Fang
Banned
Maybe his parents should have done a better job at teaching their child the consequences of his actions. Better yet his parents should not have given him access to a credit card.Like someone said this isn't a situation where a 3 year old accidentally pressed a button to buy a lot of stuff on a mobile game. Serve him and his parents right. I have nieces and nephews his age and they don't go around doing stupid shit like that and you know why? Because their parents taught them right.
That's not Paypal or the credit card company's fault though. If I had an 18 year old, I would never leave them with my credit card. Saying that I don't trust anyone with my credit card info besides my wife and my mom.
Maybe the bank acount had someting like 10 million dollars?
What a gambler.
Yes. That's the point of what this asshole was doing; he wanted to "troll" streamers by making big donations and waiting a month so they'd feel safe using the money, then do chargebacks so they suffer.
Umm... yes. Claim as fraud and theft then money is returned. Credit card have safeguards for things like these.
Imperfected
Member
There's probably some stratification in there. I'd say "text to speech" for donations in particular is the sort of thing you do if you're targeting a much younger crowd, because it's really just there so people can inflict dank memes on others.
The donations/subscriptions pop-ups is a lot more general, and it really depends on how obnoxious it is. There are a lot of streamers who just have a simple plain-text pop-up ("[X] donated $[Y]. Thank you!") in a fairly non-obnoxious place, but the more sound and color that's happening, the more you're probably looking at a teenage target audience.
I think a lot of them do it just because there's a ready-made "streamer" app package that includes all this rot and they don't bother to turn it off.
MiguelItUp
Member
Exactly. The kid is old enough to know right from wrong. Pranks are fine, sure, I mean I'll always appreciate a good sense of humor. But a line needs to be drawn somewhere. Donating money to anyone or anything with the intention of taking it back is not funny at all. I don't care if they're streamers or not, it's just not right. Not to mention this kid kept doing it, not once but several times. He had plenty of times to stop and he didn't, he just kept on going.
He's 18, right? When do we stop the 'he's just a kid' excuse? 21? 26? 30?
If his parents want to get their money back, they can say their credit cards were stolen, let the credit card company handle it with law enforcement, if they don't want to do that, they can accept responsibility for his shitty behavior.
He intended to financially hurt lots of people because he thought it was funny.
This, so much this. he should pay all the chargeback fees but 50k is easily life ruining and I think ruining his life is not fitting to the crime.
Already Torn
Banned
It would be terrible! That's drama, baby.
This is absolutely silly logic. That's like saying 'People are responsible for their money. If they are robbed, they shouldn't be able to get it back.' Anyone can take a credit card and use it, whether it's their own child or not.
goldsoundz
Member
Glad to see this blow up in someone's face finally. Hope the guy who did it is piss poor, maybe he'll learn to respeck his money.
Yeah it all seems too much. If the kid or his family has so much money in the bank, then it would not be so bad for them. I can so no way of spending so much with credit cards.
Longer than a month I can understand, but plenty of people wouldn't notice as long as the card kept working, until the bill came in, which could be a few weeks later.
I'd really like to know how he could even charge $50k to a card, though, surely a kid living with his parents would have a credit card with a credit limit of like 3-5 grand max, and likely lower?
That said depending on the kid's age and the specifics of where the $50k came from, might have to declare bankruptcy or enter a consumer proposal (if available where he lives), both of which suck but at least give some chance of financial recovery eventually.
CyanideFuse
Member
I swear we are living in a society where people think there is no repercussions or consequences for their actions. Is life even real to them?
I can't imagine how the Twitch streamers must have felt as this was playing out.
80-year-olds will be using it as an excuse one day. 80 is the new 12.
I can't imagine how the Twitch streamers must have felt as this was playing out.
80-year-olds will be using it as an excuse one day. 80 is the new 12.
CosmicQueso
Member
This took longer than I thought it would.
Tal Shiar Agent
Member
What exactly does "dank" mean in this context? I'd rather not Google it at work.
I used to watch a few YouTubers stream around 2012-2014 and never saw stuff like this.
So my recollection is using charge backs, in this way, is fraud. It's been a long time since I've had to deal with anything charge back related, so correct me if I'm wrong.
If I'm remembering the above right though, this was bound to bite this dude in the ass at some point. Actions have consequences and I don't really have any sympathy for the guy.
If I'm remembering the above right though, this was bound to bite this dude in the ass at some point. Actions have consequences and I don't really have any sympathy for the guy.
The internet loves seeing other people's lives totally ruined.
Good lord, I have excellent credit, three CC's, no balance on any of them, and even factoring in that one is an Amex (which doesn't have a pre-set limit) I wouldn't be able to charge $50k in a single month unless I immediately paid off the highest limit one at least once, possibly twice before charging again. All three would probably block at least one of the transactions.
So I have to assume a bank account was linked with $50k+ in it, or Paypal itself had $50k in it, either way it means they were pretty loaded or really well off, and didn't pay much attention to their bank account. I don't know why you'd ever have $50k in Paypal or link it to an account with that much, it's just asking for trouble.
All that means that 'charging back' can't really happen. Paypal is not a CC company or a Bank- in fact they fought an attempt to label them a bank. I'd feel pretty bad for them but all that combined makes it sound like a person and family with more money than sense.
So I have to assume a bank account was linked with $50k+ in it, or Paypal itself had $50k in it, either way it means they were pretty loaded or really well off, and didn't pay much attention to their bank account. I don't know why you'd ever have $50k in Paypal or link it to an account with that much, it's just asking for trouble.
All that means that 'charging back' can't really happen. Paypal is not a CC company or a Bank- in fact they fought an attempt to label them a bank. I'd feel pretty bad for them but all that combined makes it sound like a person and family with more money than sense.
Lashley
Why does he wear the mask!?
because we are
It is entirely up to the banks that issue the credit to decide whether or not to refund. In this case paypal is acting as the bank. So he could go to the actual bank and complain but paypal is pretty much going to tell them to go fuck themselves and they cant do anything about it.
It's an ironic way to make fun of a meme someone referenced.
Phoenix Fang
Banned
That's a dumb comparison.
Lashley
Why does he wear the mask!?
Because this dickhead wasn't attempting to do the same to others?
friskykillface
Banned
18 years old means he should know about the basics of money
Plus from reading this thread he seems like a kid of rich parents so I feel no sympathy
Don't give your kids access to credit cards
glad no charge back is happening
Plus from reading this thread he seems like a kid of rich parents so I feel no sympathy
Don't give your kids access to credit cards
glad no charge back is happening
A chargeback where you say "I didn't authorize this transaction" when you did is fraud, yes. Chargebacks for other reasons get a bit complicated and vary from country to country (e.g. a bunch of people in the EU are doing chargebacks for their Star Citizen contributions which they are 100% legally allowed to do per EU regulations, people in the U.S. are more SOL though).
Yeah CC companies don't treat charge backs as a trivial thing. They don't just go 'sure' and carry on - they tend to investigate why (after all it costs them money) and flag your account. Multiple chargebacks can result in a hold on your account and a hit to your credit score.
I feel like a lot of these idiots that do the chargebacks with streaming don't really have much real world financial experience.
The internet also loves to pretend someone is poor when he clearly isn't.
Imperfected
Member
The best you can hope for is someone spamming emojis--which speech-to-text will just read aloud, since it can't actually display them, obviously--and the worst is someone spouting some sort of hateful rhetoric or vitriol through robo-voice.
Nine times out of ten, it's just going to be as many "W" as they can fit in the donation text box. (The text-to-speech will try to pronounce each "W" individually.)
The kid is an absolute dickhead, and he should pay for any and all damages but a 50k debt at 18 can destroy his life. If he can somehow chargeback at least half of the donations I really do think he should, a 25k debt is a lot more manageable and not as life destroying as a 50k debt.
In my very limited understanding, he's using paypal and fraud laws don't count there?
keltickennedy
Member
I gotta get back into streaming....
Lashley
Why does he wear the mask!?
But he shouldn't be spending this much anyways. I find it hard to find much, if any sympathy for him. People must face the consequences of their actions.
Enter the Dragon Punch
Banned
It's just Twitch.
Yeah, it's shitty of this guy to fake donations only to charge back... But no one's life should be ruined over something like that
Hope he's rich and this is a lesson to learn.
Yeah, it's shitty of this guy to fake donations only to charge back... But no one's life should be ruined over something like that
Hope he's rich and this is a lesson to learn.
What an idiot! Its an awful prank if that is what it was intended to be.. What is the deal with paypal? Did he need to actually have those funds in there to spend them like that? I would guess so..
If the dude had 50k to throw around to fuck with people, I don't really feel bad for him for actually losing it.
If the dude had 50k to throw around to fuck with people, I don't really feel bad for him for actually losing it.