CC Fraud

Posting this as I recently experienced credit card fraud and the process seems very, very odd and I cannot imagine I am the only person who has ever experienced it.

Mostly I do not use paid online advertising, for many reasons but I suspect mostly because managing and optimising online advertising is a full time job. And if it is not constantly monitored and optimised then it can be very expensive for negligible results. The main ROI that concerns me is whether the work I do results in something interesting, unique etc… and not whether a click on an ad resulted in a sale that justified the ad spend.

But back in August 2019 I figured I would try it. I made a Google ads account, wrote a lame ad and bid to have it attached to a few Google search results. During the HISSandaROAR August sale in 2019 I spent approx US$200 on ads and have no idea if it achieved anything at all, I disabled all ads and have not used ads ever since.

About a month ago my credit card was declined when I was trying to book flights, which seemed weird as it shouldn’t have been near its limit… but I also appreciate sometimes authorised annual subscription payments can appear unexpectedly (eg annual soundcloud, vimeo subs) so I checked my online bank statement… and was very surprised to see two payments totalling $1600 for Google ads! WTF?

I searched back through my credit card statements and found the 2019 payments to google ads and the text matched exactly (apart from an id number) with these new fraudulent payments.

So a legitimate 2019 payment was displayed in my bank statement as

Date – Google Ads # Google.Com Nz – Amount

And the fraudulent payments in 2020 displayed exactly the same, with only the # changed.

Strange.

Step 1:
I login to my Google ads account and check statements.
No invoices or payments are listed, since August 2019.

Step 2:
I search & find where to make a ‘disputed payment’ claim.
I provide all the info and get a reply immediately saying it will take ten days to investigate.

Step 3:
I call my bank – its a Sunday, but I get through to Credit card fraud dept, explain what happened and they proceed to cancel my card and request a new one be sent out.
They ask me to send all the info to them, but also say we will have to wait for google investigation before anything can be done by the bank.

A few days later something strange happens.
I get an automated message from Google Ads saying “Your Google Ads account was cancelled due to no spend in last 15 months”

At first I thought maybe it was part of their investigation, but I do some searches on the subject and discover that Google Ads has a policy of closing your Google Ads account if it is not used for 15 months in a row. They provide a link to reactivate the account, but I wondered about why 15 months? What an odd number, why 15?

But the odd thing is the timeline: this credit card fraud occurred one week before Google auto closed my Google ads account, and they or someone pretending to be them, maxed out my credit card! This seems a very strange coincidence.

Eventually the ten days passes and I get a message from Googles investigation.

“After reviewing your claim, we were unable to confirm fraudulent activity in this case, so no refund will be provided by Google at this time. If you would like to pursue the matter further, you can reach out to your financial institution.”

I forward the message to my bank, and they have now reversed the payments to my credit card. I take this to mean that the bank is wearing the cost of the fraud and I have no idea whether they do further investigation but I sure as hell hope they do, because this all reeks!

Ektachrome macro 6

 

 

 

Canon 1V SLR with EF100L macro lens
Kodak Ektachrome E100

 

 

 

TNRO3

 

 

 

blips, many

 

 

 

Patchulator 8000

 

 

 

Shipping to NZ has become a bit unpredictable… I ordered two of these brilliant Patchulator 8000 from BoredBrain, they shipped the next day and then sat in some export warehouse in New York for two solid weeks… Suddenly a tracking update & they arrive three days later!

Perfect timing as I have been thoroughly enjoying jamming on my Tenori On via three effects units in particular: Alexisis Bitrman, Frostwave Sonic Alienator and the brilliant Hologram Microcosm… Being able to re-order and easily add other processors into the chain is going to be fantastic!

Yesterday I also successfully loaded a custom sample bank into the Tenori On, and OMG what a difference it makes! The Tenori On almost defaults to cute/kawaii sounds… between some nasty samples and the Bitrman and Sonic Alienator it suddenly becomes a lot more interesting!

 

 

A couple of useful links for any other Tenori On owners:

MW Forum – Tenori On Forum

Pika Blue has been doing brilliant work, reverse engineering the Tenori On and creating alt firmware.

A dropbox folder with samples, apps, firmware etc

 

 

 

 

Ektachrome macro 5

 

 

 

Canon 1V SLR with EF100L macro lens
Kodak Ektachrome E100

 

 

 

Detritus 558

 

 

String Resonator for Room (detail) from S J on Vimeo.

▶ interesting method of string resonance – rotating magnets!
Also see Duofluctus by Sergey Filatov
both via Lines thread: DIY Scaled-up EBow-type Feedback Device

 

 

▶ beauty in maths: strange attractors

 

 

 

 

▶ great twitter thread: what’s an indoor hobby you’ve taken up out of sheer desperation this year that has turned out to feed you in ways you did not expect?

 

 

▶ Christopher Nolan says fellow directors have called to complain about his ‘Inaudible’ sound
(I have not seen/heard Tenet so I do not have an opinion either way… And while it is great to hear a great film director championing creative use of sound, as always the proof is in the pudding.)

 

 

▶ PODCAST: The Strangeness of Dub – Join Edward George, on a journey into reggae, dub, versions and versioning that draws on critical theory, social history, a deep and wide cross-genre musical selection, and live dub mixing.

 

 

▶ Another fascinating thread, by TrollZoo about ‘aged’ fake social media accounts used for lobbying and support of some RW nut job. Consequence: I now wonder what percentage of early adopters of every new platform are actually just playing some very long game, hoping to cash in a decade later.

 

 


▶ “paging Elon Musk to the burns ward…