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kaydelongpre · 03-11-2015, 06:38 PM

I made a long post earlier about my experience with a scammer, and tips to avoid them.
One more big one I forgot to add (sorry if it's already been mentioned, haven't read the whole thread):
If someone online asks for a deposit on a puppy or asks that you pay them online or by card or something, NEVER use money orders, western union, etc etc. Even if you trust the person and have proof the pups exist. ALWAYS put it on a credit card. Insist 100% on doing it through paypal or with a card. You may not know this, but you can pay somebody through paypal with a credit card and not your bank account. Add a card to your paypal and when the person sends an invoice for the amount you owe, you can select to pay it through your credit card rather than straight from your bank account or a debit card.
Reason being, it's way way more simple to get refunds that way. Even if the person won't give you the money back, most credit card companies will get rid of any charges that constitute as theft or fraud. Had an instance where my daughter (w/ my permission) ordered food online with our family card at a friends house for them during their sleepover. She didn't close the tab after and later that "friend" ordered hundreds of dollars worth of food over the course of a month on our account with our card. We found out and called Visa who promptly removed every charge and reimbursed us. Because that was fraud/theft.

If you buy a dog on a credit card and you were scammed, that is also fraud. It's possible not all card companies will reimburse for that considering the nature of the fraud, but some definitely will. I know someone who ordered a puppy on some website and they never sent it, she reported it and the $800 charge was removed so she never paid it. They do a little investigating though, so people cant just buy themselves stuff and claim someone else bought it all. But if you really got no puppy, and you put the initial charge on a credit card, there is a big possibility you can get the charge removed. You won't have that opportunity with debit card/bank account/money orders ever unless you file charges and take them to small claims court which may be more trouble than it's worth.

03-11-2015, 06:38 PM	#45
kaydelongpre Yorkie Talker Join Date: Mar 2015 Location: NY Posts: 11	I made a long post earlier about my experience with a scammer, and tips to avoid them. One more big one I forgot to add (sorry if it's already been mentioned, haven't read the whole thread): If someone online asks for a deposit on a puppy or asks that you pay them online or by card or something, NEVER use money orders, western union, etc etc. Even if you trust the person and have proof the pups exist. ALWAYS put it on a credit card. Insist 100% on doing it through paypal or with a card. You may not know this, but you can pay somebody through paypal with a credit card and not your bank account. Add a card to your paypal and when the person sends an invoice for the amount you owe, you can select to pay it through your credit card rather than straight from your bank account or a debit card. Reason being, it's way way more simple to get refunds that way. Even if the person won't give you the money back, most credit card companies will get rid of any charges that constitute as theft or fraud. Had an instance where my daughter (w/ my permission) ordered food online with our family card at a friends house for them during their sleepover. She didn't close the tab after and later that "friend" ordered hundreds of dollars worth of food over the course of a month on our account with our card. We found out and called Visa who promptly removed every charge and reimbursed us. Because that was fraud/theft. If you buy a dog on a credit card and you were scammed, that is also fraud. It's possible not all card companies will reimburse for that considering the nature of the fraud, but some definitely will. I know someone who ordered a puppy on some website and they never sent it, she reported it and the $800 charge was removed so she never paid it. They do a little investigating though, so people cant just buy themselves stuff and claim someone else bought it all. But if you really got no puppy, and you put the initial charge on a credit card, there is a big possibility you can get the charge removed. You won't have that opportunity with debit card/bank account/money orders ever unless you file charges and take them to small claims court which may be more trouble than it's worth.