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Report: #1469242

Complaint Review: BestBuyCom 0994 - Richmond MN

  • Submitted:
  • Updated:
  • Reported By: David C — Desert Hot Springs California United States
  • BestBuyCom 0994 Richmond, MN United States

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On 12/6/2018 I was notified by email from my bank that; A $282.67 debit card transaction to BESTBUYCOM 0994 on 12/06/2018 12:18:21 AM EST had been made. I had not made any purchases at any BestBuy store in over 4 years. I called my bank immediately and was told that the charge was an error and that my account had already been credited in the full amount of the purchase. That’s great that BestBuy caught it and dealt with it so quickly, but I want to know exactly who, how, and what was bought, and how they accessed my bank account at all... I then called BestBuy and was told they had no record of any recent purchases, and no record of this purchase and subsequent refund. They also had no idea what had been purchased, or that this problem with online store #0994 was already being reported in their own forums. Get with it BestBuy, this is no way to do business.

This report was posted on Ripoff Report on 12/10/2018 07:50 PM and is a permanent record located here: https://www.ripoffreport.com/reports/bestbuycom-0994/richmond-mn/bestbuycom-0994-bestbuy-online-0994-fraudulent-charges-to-my-debit-card-desert-hot-spring-1469242. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
6Author
5Consumer
0Employee/Owner

#11 Consumer Comment

Now who's assuming

AUTHOR: Robert - (United States)

POSTED: Thursday, December 13, 2018

You seem to be the one assuming a lot of things about the comments being made..

There have been hundreds if not thousands of people who HAVE lost huge sums of money only to be caught up in the whole long drawn out process of refusing purchases, reporting cards comprised, waiting for periods of time with no access to their accounts, planned trips ruined, needed purchases not being able to be made.
- Please provide us where you have gotten this information from.  This site had about 2500 complaints against Best Buy, but only a handful I could see had anything to do with fraudlent purchases.

Now, where in the comments did I say that the amount they tried to take was "insignficant" and should be ignored...please look I'll wait.  When you come back, In fact you will see it has been the opposite. In each response I have told you to contact your bank to get a new card issued, before it becomes a possible bigger issue. Which by now I can only hope you have.

Now what I did say is that criminals often try "smaller" amounts, as many times they will try a small amount, and if that is successful they will try a much bigger amount. For example if that $287 item went through, the next thing they may have tried is a $2,000 item, then a $5,000 item,  then a higher priced item until the transaction failed.

Next, you continue to go on about how they need to get their act together, but right after they stopped the fraudlent charge. That isn't any sort of security "breach" or "hacking".   This is their security system working as it should. In fact since you say you have no information on their site the only way this could have happened is if your information was "breached" from another site or another way...right? And do you really think that Best Buy asked the person using your card how they got your information?

You also seem to be assuming that because they don't have your secuity code that the charge must have gone through a different way? Again...how do you know how it was processed?  It doesn't take someone to physically see or handle your card to find out what the security code to find it.

You will now say,..but this is why BB is obligated to tell me how it was charged. But again this is why BB(or any company) is right for not telling you how it was charged as that could compromise what ever security measures they have in place to catch possible fraud.  After all what if they told you, and you came on this site and blasted how the thief was caught on their site?  This of course would nullify any security methods they were not using...all because YOU had to know.  Yea, just how selfish is that.

Oh and why do they have so many complaints? They are one of the top 10 online retailers 

https://www.forbes.com/sites/walterloeb/2018/08/06/who-are-the-top-10-u-s-online-retailers/#9e2b8ed34015

Again not defending them, but the bigger you are the more complaints you will have.  Where if you do research as dilligently as  you have with BB I am sure you would find similar instances with every other major retailer as well. 

You say you want them to notify everyone of fraudlent transactions they had and/or stopped..Great idea.  So stop waisting your time coplaining and take action. Contact your member of Congress and make them aware you think this is a huge problem and the consumer has a right to full disclosure.  Get them to write a LAW that EVERY company would then be required to follow.

In the end.  Perhaps if you would actually LISTEN and not think that everyone is out to get you or make your problem insignifcant, you would realize that we are actually trying to help you to at least understand at a basic level, and in many ways are saying basically the same thing.

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#10 Consumer Comment

You Must Not Do Many Online Purchases

AUTHOR: Jim - (United States)

POSTED: Thursday, December 13, 2018

I mean that seems completely obvious when you shared with us that you don't give your card information out.  Often, you don't need security codes or anything of the like to initiate a purchase online using your account infomation; for example, your debit card can be processed as a credit and this bypasses every security code.  Every retailer allows this for ease of use, and at the consumer's request.  A thief can also initiate the transaction as an ACH out of your account - so they wouldn't need any of your card information.  The fact you don't give your card information out to anyone is therefore an irrelevant statement.

I don’t know how someone else could call and pretend to be me to make changes to an order from an account that doesn’t exist.  If you had an account there, it would easy to make the change.  If you didn't have an account there, then it's even easier to initiate the account and pretend to be you.  In either case, the ability to fake your identity is easy.

I want BestBuy to find out why they’re online store is the victim of so many fraudulent purchases, admit if there’s been a security failure, fix the security problem, and assist those who have been harmed.  There is no security system they can implement that would cure the issue for any retailer.  This happens more to Amazon than Best Buy - yet you want to pick on Best Buy?  Please.  If Amazon can't cure the problem, then no retailer can.  

I’m not sure you’re in a position to determine that the amount of money initially stolen from my account is small, couldn’t have purchased much, and so in some way is insignificant, petty and should be ignored.  Nobody cares about whether the amount was small from your perspective; the world does not revolve around you.  However, it was small from the thief's perspective.  The thief may have been testing either the bank or the retailer for their controls over online purchases.  Thieves often go for much larger purchases.  For $287.97, you're probably talking about a decent monitor, a few accessories, plus shipping.  Again...not much.

Who do you think you are ???  Obviously, someone who knows this entire subject better than you do.

There have been hundreds if not thousands of people who HAVE lost huge sums of money only to be caught up in the whole long drawn out process of refusing purchases, reporting cards comprised, waiting for periods of time with no access to their accounts, planned trips ruined, needed purchases not being able to be made.  Most of the things you just mentioned are what people do on their own.  This website is filled with people who did these things to themselves without the aid of a thief.  Accordingly, your emotional appeal is neither relevant nor reasoned well.  

It's not that I'm entitled because I'm not.  What I am is not sympathetic to someone who hasn't been ripped off.  You make a lot of assumptions about things you have no idea about.  Seriously.  At the end of the day, none of your thoughts will help you determine who did this, or how to avoid it.  There is no system that a thief could not eventually compromise, and each one of us can be a potential victim.  These are the perils associated with online retailing.  You were fortunate.  Consider yourself as such.

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#9 Author of original report

Lost more than dimes...

AUTHOR: David - (United States)

POSTED: Wednesday, December 12, 2018

 I’m not sure you’re in a position to determine that the amount of money initially stolen from my account is small, couldn’t have purchased much, and so in some way is insignificant, petty and should be ignored. When it never should have happened at all. Who do you think you are ??? There have been hundreds if not thousands of people who HAVE lost huge sums of money only to be caught up in the whole long drawn out process of refusing purchases, reporting cards comprised, waiting for periods of time with no access to their accounts, planned trips ruined, needed purchases not being able to be made.

There are costs far above and beyond just the dollar amount. You are really a nifty piece of work... Entitled, trolling a report and responding with a bunch of well "if the thief did this, and the thief did that”, all of which the thief would not have been able to do, still stuck on my card was somehow compromised by something I did, that’s a far reaching assumption, and I’m sure you remember what your middle school teachers explained that assumption means... I’m done with you, have a great life trolling the reports. You have my complete condolences and sympathy...

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#8 Author of original report

Missing the whole point.

AUTHOR: David - (United States)

POSTED: Wednesday, December 12, 2018

 First of all, once again you’re assuming someone has access to my security code, and once again I’ll explain, I don’t hand my card to anyone, ever, where they could see my 3 digit code, so somehow, that process was bypassed, the purchase was done without going through normal procedures required by regular customers to make an online purchase. And I don’t know how someone else could call and pretend to be me to make changes to an order from an account that doesn’t exist.

I don’t have an online account with BestBuy where information would have been stored. it would be impossible with my bank. I want BestBuy to find out why they’re online store is the victim of so many fraudulent purchases, admit if there’s been a security failure, fix the security problem, and assist those who have been harmed. I don’t want to know anything for my personal benefit, just that they are doing something to try and fix this ongoing problem. I do appreciate the change in the way you are articulating your opinion now though... Thank you...

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#7 Author of original report

My response

AUTHOR: David - (United States)

POSTED: Wednesday, December 12, 2018

 I did come back a little bluntly, and if you say you’re not an employee well, I gues without further evidence I’m forced to take your word for it. But for someone who doesn’t have a dog in the fight, your response was dripping with sarcasm, inmplications, and a general hostile attitude. I’ve never experienced this exact situation before with any online or retail stores out there, if BestBuyCom has been hacked, then they owe those of us who have been affected an investigation and an explanation as to how this occurred.

Hacking commercial businesses has become a serious problem, especially when the companies affected don’t want the public to find out its even happened. It’s when people like me pushing the issue for more information that forces companies this has happened to, to admit and own the problem, then take measures to inform the people affected and help them in the process of straightening out whatever inconveniences they have suffered. Excuses don’t build customer confidence, making wrong thngs right is what creates loyal and long term clientele.

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#6 Consumer Comment

Unrealistic

AUTHOR: Robert - (United States)

POSTED: Wednesday, December 12, 2018

It would be great if every online store could have 100% security where they instantly could tell if the transaction is fraudlent, and if it is to immediatly notify everyone.  While that is great, and you can think what you want. In the end, your expectations are unrealistic.

Best Buy only knows what information was provided to them. Do you really think the thief is going to use their real information? If they truly had all of your information, they would use your name and make a fake address or some mail drop location for shipping. What good is that going to do you?

You complain that they need to get their act together, right after they apparently stopped a fraudlent transaction. Again does that make sense, or would you have rather them just let the charge go through and have you deal with disputing it for the next few weeks?

Don't get me wrong, it is disturbing and when this has happened to me I got upset, but more about what other damage may be occuring. As a result I disputed the transaction and immediatly cancelled that card and had my bank issue a new one.  But going on about how Best Buy somehow owes you this information or they are being negligent is just again unrealistic. And your first action, if you haven't done it by now is to contact your bank. Because many times criminals use "small" transactions to see if they go through before they try bigger ones. So you should check if there are any small transactions(even just pending) that you don't recongnize, and if you don't cancel your card look out for bigger transactions that may come through.

If you really wanted to know everything, I could go into numerous ways a criminal could get your account number(and more). If I did you probably would go off the grid tommorow. The fact is that in today's society no company is going to stop 100% of the fraud, which is exactly why there is a dispute procedure in case fraud does show up on your accounts.

This is not a defense of them, this is just giving you the facts and would have said the exact same thing regardless of the company mentioned. Oh and sorry but I do not now or have I ever worked for them.

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#5 Consumer Comment

They Have to Let Every Transaction Go Through

AUTHOR: Jim - (United States)

POSTED: Wednesday, December 12, 2018

Yes, they have to let every transaction go through.  Has nothing to do with earning more revenue.  Has everything to do with protecting the consumer.

 

Let's say I'm your thief.  I go ahead and place an order online with the retailer, using your account information with the bank.  I provide the confirmation order with the retailer and provide them my phone number - in fact if you have customer information with the retailer - I simply change all of the information.  Best Buy confirms the order by contacting me.  So when you find out from your bank that there may be fraud, you issue a challenge to the bank that it's fraudulent.  One problem - Best Buy has confirmation from someone named David (me pretending to be you) that I placed the order.  Challenge denied and you're out the money - plain and simple.  By leaving the order unconfirmed, you now have time to intercept the shipment via your bank, reverse the charge, and the retailer scrubs any record of the transaction.  Even if they trace the ship to address, with all of the shipping scams out there, you're more likely to find the ship to address is someone's home where a single mom is working trying to supplement her family's income.  She's nothing more than a rube.  She's also out money for the hours she worked for the thief because...thieves don't pay salaries either.

 

So let's say the bank is then notified by every online retailer of every online transaction - 99%+ of which are legitimate.  The bank is now so inundated with data and notifications, it now has no way to filter out the bad transactions and provide timely notifications.  Again, the consumer is a loser in such a scenario.

 

Now you want to know who, what, where of who this is that did this.  Forget it.  Whatever information the bank might have is phony - they won't even have a real IP address of whoever it was that placed the order with the retailer.  The only name they may have is yours.  The banking information can be obtained in ways too numerous to mention.  It could be someone you know, but not likely.  It's more likely someone who is outside the jurisdiction of law enforcement.  What did they buy for $287.97?  Who knows.  For that amount, it wasn't much.

 

Here's the reality:  Everyone did as they were supposed to do and no one lost a dime.

 

Full Disclosure:  No one who comments here works for the retailer or the bank.  The information I shared with you comes from a former thief.  That person is also not me.  Best of luck.

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#4 Author of original report

BestBuyCom & Roberts Comments

AUTHOR: David - (United States)

POSTED: Wednesday, December 12, 2018

I stated; Get with it BestBuy, this is no way to do business. Robert responded with a really ridiculous comment; " - Let's see..a transaction is made and determined to be fraudulent so they cancelled it. Yea, your right that is no way to do business. They should just let every transaction go through, after all if they did that they would make a lot more money..right ? " That’s exactly what I would expect from some BestBuy employee troll to think up. Perhaps you have another potential future in Marketing for BestBuy, you appear to have the proper attitude that would be a perfect fit into BestBuy’s attitude regarding their customers... Hide and deny the fact that there has been a real problem with BestBuys online security measures and subsequent notifications.

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#3 Author of original report

Robert’s Comment

AUTHOR: David - (United States)

POSTED: Tuesday, December 11, 2018

 Even though I didn’t lose any money, and not a lot of time on the phone, there are many other people out there who weren’t so lucky, many have lost hundreds and some thousands of dollars out of their bank accounts, only to have to cancel cards, wait for refunds or moneys and account to be unfrozen.

BestBuy has a huge problem with their online stores and they are doing very little about it, except hiring trolls like you to defend them. BestBuy should have notified my bank or me directly.

Not try to hide the problem by keeping their heads firmly in the sand ( I wanted to say something else here) instead of taking a proactive posture and owning the problem, they have you Robert. How nice... NOT...

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#2 Author of original report

Are you a BestBuy Employee Troll ?

AUTHOR: David - (United States)

POSTED: Tuesday, December 11, 2018

 Well according to my bank and my statement records there was a purchase in the amount I stated, and then a refund... Two separate line items in my statement and banking app. So there goes your "it was a cancelled transaction and never a real purchase” idea all to hell. I expect BestBuy to notify me of an attempted fraudulent purchase. Not my bank... BestBuyCom 0994 is a central online processing hub in Richfield NC so all online purchases will show this as the point of purchase.

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#1 Consumer Comment

Perspective

AUTHOR: Robert - (United States)

POSTED: Tuesday, December 11, 2018

That’s great that BestBuy caught it and dealt with it so quickly,
- So of course you write a RipOff report complaining...yea makes total sense.

Yes, you want to know everything about the person that attempted to charge your account from where they live to what they had for dinner last night.   But the simple fact is that you are not out any money and have no reason to know this information. Short of getting a court order,  NO bank will release that information. After all say you were a "nutcase" and once you found out who did it you went to that person to dispense some of your own type of justice?

The thing you need to remember is there are dozens if not hudreds of ways for someone to obtain your credit card. But if you suspect it has been compromised, if you havent already, you need to contact your bank again, cancel that card and have a new one issued.


I then called BestBuy and was told they had no record of any recent purchases, and no record of this purchase and subsequent refund.
- Because it wasn't a purchase and a refund...they CANCELLED the transaction.  But even if it was an actual purchase and refund again they don't legally have the right to give you this information.


Get with it BestBuy, this is no way to do business.
- Let's see..a transaction is made and determined to be fraudulent so they cancelled it. Yea, your right that is no way to do business. They should just let every transaction go through, after all if they did that they would make a lot more money..right?

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