Scammed in Facebook and ING Is No Help

screensaver on 17/04/2025 - 14:08
Last edited 17/04/2025 - 15:58 by 2 other users

I clicked on a Facebook page about Felix cat food and agreed to pay $4 for a delivery.

The company instmpay.com has then made two other unauthorised withdrawals, one for $17 and one for $93 dollars. I called ING and they have a very slow reaction process, 47 business days to COMMENCE investigations. A month for a complaints officer to get back to me. I did some investigation, the company is based in Romania and found a review, a lady got scammed Very disappointed in ING.

Doesn't look like I will see my money back. They need to act faster

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Comments

  • Hybroid on 17/04/2025 - 14:12
    +60

    No one really knows if these Pam posts are legit or just attention seeking bait.

    • Jimothy Wongingtons on 17/04/2025 - 15:20
      +24

      By gar it’s been a long time since an old fashioned Pam post.

      • SuperMid on 19/04/2025 - 08:53
        +2

        Odin's jockstrap is the return of pam!

    • pinkybrain on 19/04/2025 - 10:46
      -1

      what is Pam posts?

  • MS Paint on 17/04/2025 - 14:12
    +11

    Good luck getting your money back Pam. Thoughts and prayers.

  • CodeXD on 17/04/2025 - 14:21
    +10

    Oh no, hope your cat is able to get food from elsewhere.

    • DashCam AKA Rolts on 17/04/2025 - 14:37
      +3

      Could check in the filing cabinet in that garage.

      But, we thought Pam had auto-delivery of cat food.
      https://www.ozbargain.com.au/node/845795

      • pegaxs on 17/04/2025 - 14:47
        +7

        It’s under all her face masks, next to the lost seminar notes and her keys.

        • websterp on 17/04/2025 - 15:30
          +5

          Pam had to resort to buying cat food online as she is banned at the supermarket after this incident.

          Poor Pam! Can't even seem to get break!!

  • jv on 17/04/2025 - 14:35
    +13

    Facebook = cash only, pickup only….

    everything else is a scam…

    https://www.police.vic.gov.au/online-marketplace-safe-exchan…

    • CodeXD on 17/04/2025 - 15:09
      +2

      Sounds like it was Facebook ad? No mention of marketplace

      • jv on 17/04/2025 - 15:10
        +3

        I never mentioned marketplace, just Facebook…

        • CodeXD on 17/04/2025 - 15:11
          +4

          the link is literally "online marketplace"

          • jv on 17/04/2025 - 15:11
            -4

            @CodeXD: I didn't write the content of the link.

            It lists safe places for pickups…

            • tenpercent on 17/04/2025 - 20:02
              +2

              @jv:

              It lists safe places for pickups…

              So it's a dogging community?

  • Dollar General on 17/04/2025 - 14:41

    Hope it gets resolved quickly for you.

    Too many people try to save a few bucks the wrong way

    • HamBoi69 on 17/04/2025 - 14:59
      +6

      @Trying2SaveABuck

  • pegaxs on 17/04/2025 - 14:45
    +5

    lol… the gift that just keeps on giving…

    • MS Paint on 17/04/2025 - 14:50
      +3

      Pam doesn't make sense. Cheers

      • DashCam AKA Rolts on 17/04/2025 - 14:57
        +5

        Facebook cat food cost heaps of cents. Cheers.

  • brendanm on 17/04/2025 - 14:52
    +15

    Switch off your computer pam.

  • DashCam AKA Rolts on 17/04/2025 - 14:59
    +2

    Between this and those seatbelt fines, how will Pam financially recover?

  • theHMASfriendship on 17/04/2025 - 15:40
    +1

    Pam if you were stuck on a desert island what three albums would you bring?

    • DashCam AKA Rolts on 17/04/2025 - 15:48
      +3

      Obviously the soundtrack to Cats would be high on that list.

      • MS Paint on 17/04/2025 - 16:56
        +4

        Definitely an Alicia Keys album.
        LP single of Fasten your seatbelt by Pendulum.

        • brendanm on 17/04/2025 - 18:10

          Fasten your seatbelt by Pendulum.

          Those were the days.

  • AustriaBargain on 17/04/2025 - 16:06
    +4

    Use a credit card next time and charge back. Paying for random things online directly from your bank account is kinda silly.

    • screensaver on 17/04/2025 - 16:34

      that's the whole point, it was a card, but ING is taking their sweet time to charge it back

      • MS Paint on 17/04/2025 - 16:53
        +2

        Please answer the albums question above. Thanks

        • screensaver on 17/04/2025 - 16:55
          +1

          none, I was once at a NSW govt market research project and they asked what item we would want stranded on a desert island. My answer stunned the group as no one else had it, even the organisers. I said EPERB. As for music, I don't like listening to the same thing over and over

          • MS Paint on 17/04/2025 - 17:01
            +3

            @screensaver: I would take an EPIRB personally for greater success.

            • screensaver on 17/04/2025 - 17:02

              @MS Paint: I didn't have to write it, just say it

              • MS Paint on 17/04/2025 - 17:02
                +3

                @screensaver: That's is true as you didn't take a pen and paper to said island.

            • eug on 18/04/2025 - 12:57

              @MS Paint: I would take a PLB personally as I'm not a boat. :)

              • MS Paint on 18/04/2025 - 13:44

                @eug: That extra battery life of the EPIRB might just make all the difference to getting Pam back to the forums.

          • theHMASfriendship on 17/04/2025 - 19:43

            @screensaver: I do, I’d take three copies of the Shrek 2 motion picture soundtrack

  • JIMB0 on 17/04/2025 - 17:19
    +2

    Don't bother complaining to Facebook, scammers are their bread and butter. Do a charge back on your card.

  • cheapjunkie on 17/04/2025 - 17:20
    +16

    Looks like another Wham Bam Thank You Pam moment

    • DoctorCalculon on 17/04/2025 - 18:34
      +1

      There is always a cat involved in those moments.

      • LFO on 18/04/2025 - 10:45

        Must say something about cat owners …

  • randomusername2017 on 17/04/2025 - 17:31

    Commonwealth Debit Card FTW.

  • McMaferMur on 17/04/2025 - 18:19

    Probably need visit to specsaver, mr screensaver…

  • Marcsie on 17/04/2025 - 19:57
    +1

    Why blame ING for your own mistake?

      • randomusername2017 on 17/04/2025 - 20:37
        +13

        Why should the bank forgo due diligence to expedite rectifying your incompetence?¿

      • smartazz104 on 18/04/2025 - 19:07

        Should’ve used a credit card, the bank would be more motivated since its their own money.

  • tenpercent on 17/04/2025 - 20:04

    Why is everyone addressing the OP as Pam?

    tenpercent on 17/04/2025 - 20:04 (Collapsed - Offtopic. Show)
    • Yummy on 17/04/2025 - 20:58
      -3

      Alternative Karen, but soft version.

      • ozbjunkie on 18/04/2025 - 07:32
        +1

        While Karen is a bitch deliberately

        Pam is typically either taking us for a ride and having a laugh, or suffering early signs of cognitive decline, and nobody can meaningfully delineate these options.

    • MS Paint on 17/04/2025 - 21:29
      +3

      That's her name.

      • tenpercent on 17/04/2025 - 21:39

        Is that prior learning?

        • MS Paint on 17/04/2025 - 21:41
          +5

          Her username used to be hellopam but changed it when she got sick of being called Pam.

          • tenpercent on 17/04/2025 - 21:42
            +1

            @MS Paint: Thank you for sharing your study notes.

            • MS Paint on 17/04/2025 - 21:43
              +18

              @tenpercent: Her forum post history is worthy of research. Would make a great PhD topic.

              Legend has it that as Pam was sitting on her computer, thinking hard about an original new username, her 60 minute delay screen saver flicked on. The rest is history.

  • Ughhh on 17/04/2025 - 20:54
    +2

    Doesn't look like I will see my money back. They need to act faster

    No. You need to act smarter.

  • dylo on 17/04/2025 - 21:21
    +2

    Hello Pam

  • miwahni on 17/04/2025 - 21:58
    +2

    ING may have been giving you their worst-case scenario time-wise. When there were unauthorised transactions on my ING card they were actually quite quick to remedy. Admittedly in my case they were transactions done at a servo in the next state, during lockdown in 2020, so no way could they have been mine. In any case hang in there, you should get your money back.

  • Wiadro on 17/04/2025 - 23:06

    people never learn

  • Speckled Jim on 18/04/2025 - 08:30
    +1

    I did some investigation, the company is based in Romania and

    And right there, you admit publicly that you investigated the business after you paid.
    ING: as you were.

  • LFO on 18/04/2025 - 10:43

    How on earth can they do "withdrawals" form your ING account ?????

    • GOCAT9 on 18/04/2025 - 11:36
      -1

      Easy! Give me your BSB and account number and I will show you!

      • LFO on 20/04/2025 - 19:20

        Please show me but using your BSB an Account number.
        Same concept, no risk.

        You are not bragging aren't you?

        To save you the embarrassment. From the horse's mouth (ING)
        :
        To set up a new Direct Debit with a company, you'll need to fill in a form online, by post or over the phone. This is called a Direct Debit mandate or instruction. The business will then contact your bank to get things moving. You'll need to provide your full name, home address, account number and sort code.

        • 2025 on 20/04/2025 - 19:43

          Isn’t ‘sort code’ terminology from Europe? Did you speak with the British horse and not the Aussie?

          Pam would’ve supplied the other information, but no sort code, because we use BSB here.

          I provided a link to the relevant Australian ING article below.

    • burningrage on 18/04/2025 - 13:06

      The only way I can think of doing "withdrawals" with just your BSB and Bank Account is to show up yourself at a bank and perform a manual withdrawal.

      But the amount taken are very odd numbers so yeah legit curious how can people do that

      • 2025 on 18/04/2025 - 13:14

        Direct Debit Request.

        Jeremy Clarkson foolishly believed he was safe, and found out the hard way

        • burningrage on 19/04/2025 - 00:19

          Ooh!!! You are right! Damn.

        • LFO on 20/04/2025 - 19:22

          2008 anecdote …

          • 2025 on 20/04/2025 - 19:27

            @LFO: Yes, to demonstrate that that DDRs have been around for a long time.

            • LFO on 20/04/2025 - 19:29
              -1

              @2025: Not what ING states.

              Not that easy.

              • 2025 on 20/04/2025 - 19:31

                @LFO: So they manually check that each signature on each request matches the account? Like when school starts each year, and they get thousands and thousands of DDRs, they’re all manually verified?

                And what about online DDRs without a signature?

                Their own website mentions nothing about a signature, all they need:

                Easy. And fast! Some organisations will let you do this online, over the phone or by completing a form.
                To set up a direct debit from your Orange Everyday, simply give the organisation making the debit your following details:
                Orange Everyday account name
                Orange Everyday account number
                ING BSB: 923-100

                So when you say:

                Not what ING states.
                Not that easy.

                I’m genuinely curious to find out where you got your quote from above

                • LFO on 21/04/2025 - 19:26

                  @2025:

                  give the organisation making the debit

                  give the organisation making the debit

                  ORGANISATION and not a Bob or Mary down the road …

                  Not sure how something this obvious is causing such a fuss and agro.
                  If it is soooo easy then the blood will be everywhere.

                  But I might be totally wrong so will message ING and get to the true truth.
                  Because you never know who is wrong at the end.
                  Unfortunately no luck from GOCAT9, she/he was just bluffing it seems.

                  • 2025 on 21/04/2025 - 19:52

                    @LFO: Just like the 17 year old article says, give us your name, address and bsb/account number, and I’m sure gocat9 will sign you up to a $5,000 per month donation with RSPCA, the local animal rescue organisation and the dubious “organisation” that OP has stumbled across for cat food. Surprised you haven’t known about this, it’s been a thing for decades.

                    PayPal, schools, councils, utilities, even dentists can use direct debits lol. One of the requirements is that is purely for ongoing payments - once off payments are not supported.

                    Try it, setup a direct debit next time you see them standing in the mall begging for cash. Use your friend’s details…

                    Or try it right now, go to RSPCA and setup a direct debit. Here is the address for SA https://support.rspcasa.org.au/ choose monthly, and see what happens.

                    If these are “withdrawals” as OP put it, then I’m demonstrating how it’s done. Just need to fill out a DDR.

                    This org might be perfectly legitimate, and OP misunderstood, or the org could be a shell, setup with fake ID and a cheap business registration. Who knows.

                    Maybe GOCAT9 was going to call their power company, phone, internet, water, gas, school, etc and tell them that they’ve just gotten engaged to you and would like to update the direct debits to your account… or maybe GOCAT9 has done the paperwork and business bank account and is ready to skip the country after they drain your account, who knows…

                    Blood isn’t everywhere simply because it’s fraud.

                    You could say the same about selling sharp knives to angry people, it can’t happen otherwise blood would be everywhere.

                    Well, knives do get sold. But our society relies on people doing the right thing.

                    • LFO on 21/04/2025 - 20:50

                      @2025:

                      your name, address and bsb/account number

                      That is not the topic in question. It was just BSB/Account the magic key to open all doors.

                      And I wonder if that anecdote of 2008 is actually factual. Brings memories of the "news" about a fire-fighting aeroplane sucking a scuba diver from a lake and then dumping him/her on the fire pit. Yes it was on some news and yes it was NOT factual as a human body does not fit on any of those hoses, yet it was promoted as such. But, hey, who cares!

                      • 2025 on 21/04/2025 - 21:01

                        @LFO: RSPCA SA don’t need the address, go on, try it. Mis spell your name, use Peter Smith, or something.

                        Your original question

                        How on earth can they do "withdrawals" form your ING account ?????

                        Has been answered. DDR

                        I got curious about this when I setup my own DDR some time ago. There was no ID check. I admit, I haven’t setup one in years, but it appears that the gap is still there. The BBC story is a bit more credible than a random OzB commenter, so I used that instead of a personal anecdote.

                        • LFO on 23/04/2025 - 16:54
                          +1

                          @2025: I did contact ING and unfortunately your information about: Orange Everyday account name + Orange Everyday account number + ING BSB: 923-100 was more direct and useful than ING's was. Other than the usual and vague "have different systems overseeing all transactions" and "check your transactions". Nada really.
                          So no cigar for me here.

                          Pointless to continue.
                          I'm confident that MORE than BSB/AccountNumber is needed otherwise the number of illegal Direct Debits will be astronomical.

                          Thanks for all your interesting and articulate, well written posts.

                          And thank you for neither insults nor belittling.

                          And see you around.

  • 2025 on 18/04/2025 - 13:28
    +5

    Hello Pam,
    With your past experience with scams trying to buy cat food I thank you for making the community aware of the pitfalls and peril involved with feeding our feline friends.

    I will be sure to add cat food to my list of high risk items, alongside cheap, brand new sealed Samsung phones, bargain Hermes bags and Air Jordans.

    • gromit on 18/04/2025 - 13:47
      +2

      a perpetual victim.

      • 2025 on 18/04/2025 - 20:19
        +2

        I did some investigation, the company is based in Romania and found a review, a lady got scammed

        I wonder if the review that Pam found was actually her own from last time?

  • bamzero on 18/04/2025 - 14:13
    +1

    I'm not sure if charges can still made to a card without the CVV, but for one off online purchases at least use the details from your ING app, not the card itself.
    They provide a dynamic CVV which changes every 6 hours so the details cant be used again after that time.

    However… they also say that a dynamic CVV can be used for recurring payments as it's only needed at the time it's set up so I guess depends if these guys are just using the details for separate charges or have set up a recurring payment (given it's different amounts, maybe the former?)

    • haemolysis on 19/04/2025 - 13:54

      Wow, I’ve had an account for years and I didn’t even know they had that feature hidden away there. They should make it more obvious, probably squash a lot of fraudulent transactions!

  • Roose4837 on 18/04/2025 - 15:59
    +1

    I hope you eventually get your money back. I was almost scammed by someone asking me to use something called 'AzuPay', in which they wanted me to sign up for the service which promised secure online transactions by "verifying your identity", which meant giving them your bank's username and password via a fake login screen.

  • IpGem on 18/04/2025 - 17:34
    +6

    Your cat must be disappointed with you

    • cnut on 18/04/2025 - 20:39
      +2

      We all are.

  • Dyl on 18/04/2025 - 17:39

    You'll get your money back, unauthorised transactions are covered by Visa/Mastercard always. Sucks ING taking so long.

  • SoapyWooder on 18/04/2025 - 21:32
    +1

    Who is Pam?

    • belongsinforums on 18/04/2025 - 23:54

      I've always pictured her as that white Lotus lady, aka stifflers mum

    • FatGPT on 20/04/2025 - 08:00
      +1

      Pam is bird?

  • SuperMid on 19/04/2025 - 08:55
    +1

    I just want to know if the cat food actually got delivered

  • The Value on 20/04/2025 - 21:15

    Only $110? You got off lucky. Cancel the card and get a new one.

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