My 17-Year-Old Daughter Got Scammed On Instagram! 

Teach kids not to send anyone or give anyone money period!!! Even boyfriends, family, etc!!!

Yeah this why when places call. I ask them to send a letter in the mail. I don’t give any of my information not even my name. If it legit they would know who they calling and have my basic information.

ACAP

Thanks sam

What? The cops don’t take Apple or Amazon gift cards?

Yea, typical liberal. Always blaming the victim.

Exactly! Just teach kids not to send anyone money period!!!

Scammers? This isn't a teach about scammers moment. It's a teaching moment for why minors should not be wiring $3k under any circumstances without their parents' knowledge. Friends, schools, sports clubs, etc... No minor should be moving that kind of money around. Those are adult decisions. Time for her to become an adult and deal with the realities of adulthood. Bad parenting, leads to bad decision-making.

Big red flag, not legit from the start.

Because she is 17 and her parents did not teach her to use critical thinking skills.

She dumb

Bc she’s a dumb teenager

@@vickieclark5931a minor can make mistakes even with good education. Do I have to remind you that even old man are constantly getting scammed in similar ways?

Maybe she was taught, but teens can get sort of cocky. They think they know more than their elders.

@@jdstep97 and now it’s paytime!

Exactly especially if someone was exploiting her photos bc “she looked so good” as a minor!!! She wanted to feel grown and got burnt

Maybe or maybe parents are ignorant of what's going on.

Cool. You paid your stupid tax (as Dave calls it) but learned from it. Some people make a career of paying the stupid tax repeatedly.

@@stevenporter863 indeed

For me it was RuneScape

@@wuahwuahwhore it was called “Burn Lounge” was supposed to be the next great iTunes competitor.

@@mikederucki I’ve heard about that, many people made that mistake bud don’t beat yourself about it

I can tell you’re probably a boomer, but this is a legitimate practice people do to promote clothing, brands ,etc. it’s not like it was nudes

Americans blame everyone, but themselves.

@@AP-uk4di so you are suggesting that boomers take responsibility and other generations should blame the bank for not controlling access to the money?

@@betruetoyourself7162 brilliant response 👏

@@betruetoyourself7162 I think what he is saying that she might be selling pics of her self. My friend sells her pic on Instagram it most of random things

To add: it can take weeks for that to happen. Just because you "cashed" a cheque and it shows up on your balance, doesn't mean it has actually been cleared yet.

@@tarablue4472 True, it used to be easier to see if a check cleared than it is now. A lot of places do immediate funds and you really can't tell.

The daughter is a minor…

@@AlecArtComics Which means that he is responsible for her, not the bank.

@@AlecArtComics Which means the responsibility lies in the parent. But if the kid knew about online safety and not to fall for scams, then it's the fault of the kid.

@@AlecArtComics and...?

@@AlecArtComics So??? I’m writing this as an 18 year old and know far better than to get myself into what his daughter did. If your old enough to be on Instagram then your old enough to stop yourself from getting scammed on it. Simple as that!

Agreed!

Don’t let your kids have Instagram. Boom problem solved lol.

More like a learning lesson for him.

A 17 year old what you gonna do? Take there phone and go through it everyday there 17 not 9

Yea, not trusting Zelle or other apps like Zelle. Seems too easy for the money to be gone by a scammer.

Parents will sue the tree.

Teenager shouldn’t even have Zelle. It’s too quick and lacks recourse. Paper checks only.

They also have warning when doing zelle transfer to transfer money only to people you know and trust. The money changes hands in an instant and usually is impossible to recover. Check was deposited into the account and zelle transfer was done from the account, even though they may look like related, they were two separate independent transactions and had nothing in common from bank's point of view. Bank or zelle does not have provision to wait for something to clear before zelle transfer goes through, unless there were insufficient funds and there was no provision set for overdraft protection.

No legit business does business this way, none.

This could be fashion phots, animal / pet photos etc. Not _that_ kind of pics.

Well said. He is acting like there is some clause in the checking agreement that says "if you are a minor and do something stupid and get scammed, we will give you back any money you lost." That money is long gone and not coming back.

There’s a good chance mom and dad aren’t on the same page as far as daughter’s phone and internet access. It’s so hard to be united and protect your kids when the other parent isn’t as protective against the online dangers. Just makes the protective one look like the bad cop

Right. The bank is not a parent.

I agree. I feel for the teenage girl, not just cause she got scammed, but because her parents did not protect her from this. The kinds of things that banks protect is if a scammer got a hold of your cc or bank account number, not people willingly falling for scams. This is a good lesson, not just for the girl but for the father.

She probably didn’t tell them.

Stop it Ethan 😂😂😂😂😂😂😭😭😭😭😭

How do you know her pictures weren't wildlife or landscapes? As a budding young photographer, her pictures could be anything. No where in the call did anyone mention a model release which she would sign if the pictures were of her or some recognizable person in the photos.

😭🤣😂😫

Yeh…… but do you believe everything you just said.

@@AllynHin lol wildlife or Landscapes 😂 Oh she’s definitely showing her wildlife and her landscape to be getting offers💰

They have to learn eventually, and this one was a $3,000 stupid tax. Parents should have given a little more instruction about being careful with unsolicited deals on the internet. I was 17 when I started work. I actually had to 'adult' from that point.

No you can have one at like 16 or 17 I think

@@GlorifiedGremlin I had one from I was 13, but my parents signed all the documents and could control my account. So the account was not formally mine, just used by me.

@@eizhowa I think I had one at 17 that was completely my own but it was awhile ago so I don't remember

Under 18, a parent has to be on a minors bank account.

@@GlorifiedGremlin yeah, it depends on what state the account was opened in. Some states are 16, some are 18.

Yet this is the exact age groups that are getting harmed and or killed by meeting up with strangers they met on line to conduct business or hookup.

@@peeudo only good to avoid internet scams haha

I think the younger folks not knowing much about how checks work is the problem. However, if I didn't know how checks work I'd ask questions. I did the same to figure out online investing in 2008. Wasn't going to open an account when I don't know what I'm doing.

@@bryanbill3692 Agree, she hasn't had much experience with money and checks, breaks my heart, we need to educate kids on scams in school.

Exactly. It's cause really young people are too young to know that there are bad people in the world. And the elderly came from a time when this kind of stuff was not common. Most of the older people think that people are basically good. But those that are in the middle ages (Gen-x & millennials) are old enough to know better but also they are young enough to know that this is not a kind world that we live in. It is rare to hear of people especially nowadays getting scammed that are right in the middle.

Exactly. Pics are old skool scams

I think frankly people are just too comfortable with doing stuff online they would never do in-person. Racial slurs, talking to strangers, giving out personal information. The Internet has basically replaced in-person interaction for most people

About 10 years ago, my son, away at college, notified me that his cousin (my niece, age 15) had posted an online profile, stating that she was 18 years old and looking for ‘action’. She had been connecting with guys over the internet, having conversations late at night and early in the morning, describing her a desire to be overpowered and tied up. What the flip!! My sister had been wondering why she was receiving calls from her daughter’s high school, with teachers reporting that she was falling asleep in class. They knew the kid was having a very, very difficult time dealing with the sudden, unexpected death of her stepfather, a really wonderful guy. My sister was mourning his death so deeply that she failed to see her daughter was also struggling with his death. I contacted my sister to warn her of the danger her daughter was getting into, suggesting that she take control of her daughter’s cell phone, remove the computer from her bedroom, and shut down access to it between 10pm and 7am (please remember she was 15 at that time). My sister’s reaction? Pure rage that my son would fabricate such a story. I provided links to the social sites, too. My niece continued with social media , and by age 18, her online profile put her at 21 years old. Parents, please watch over your minors. They’re oblivious to the dangers out there.

I live in oklahoma and most states like oklahoma 👍🏼 young kids at age of 16 to be with soemoen older as long as the parents are fine with it

“Someone should have been my minor daughter’s bank account.” Yeah, you.

“Enjoyed.” Right.

17 but she's responsible he says. Girl needs to learn actual responsibility for her own actions. The offer isn't even believable...at all...

Funny how arrogant people can be when it doesn’t happen to you…

@Alec Comics Not arrogance, it's facts

@@AlecArtComics It doesn't happen to me cause I am not a clueless person.

@@vicsosa5703 never underestimate the power of social engineering. Plenty of intelligent people fall for scams like this.

Listen to the conversation again.... The bank covered the first check because the girl had enough money in her account to cover the first fake check. When she tried to cash a second fake check, THAT's when the bank refused to honor the check because she no longer had any money in her account to cover the 2nd check.

@@raallen1468 the bank covers check if you have money in the account as a courtesy to you. When I use to work for the bank people use to get upset when banks hold their check to clear. Even after explaining the why? To prevent stuff like this. Now for a minor account, i though checks were held at least the bank I worked for. Maybe it wasn’t truly set up as a minor account.

It is call greed. It is call sneaking. It is call lack of communication with parents.

the government does it 🤷‍♀️

New Dave!

No but they make money on it!

Exactly my question

You don't know what you don't know

By law, the bank has to make the funds available within one to two days of depositing a check. It will show as cleared. However, scammers know that it takes the bank weeks to verify that a check is fake.

Young people don't use cheques and therefore wouldn't understand clearing processes or that you can't email one.

Whenever I deposit a large check only a small amount, $500 or $600, is available and I have to wait a few days for the rest of the funds to be available. I haven't heard of any new law requiring funds to be available just so you can spend it

I think what they are alluding to is the choice is either to be in their business, or restrict access to internet. You can also out restrictions on the account to help fend off large money transactions from taking place via online.

They shouldn't have their pictures up on insta

So the advice was, this is the parents fault.... so it should be the parents that pay for this mistake. UNLESS you don't agree with the advice.

Cover it and have her pay back to parents or have her make payments to the bank. I used to work in banking and they pretty much cover these in disclosures.

@@aikofujita2420 Do you mean, her parents should pay her back? Also, I disagree that the bank would cover any lose.

Sell the kid

Really? Did dDave say that before?

@@spiritualcosmeticss lol no

@@spiritualcosmeticss I think Dave would say the exact opposite.

I had my bank account since I was 12. My money, and I could spend it in any way I wanted. Why couldn’t a minor have a bank account? This girl should have asked help. But it seems she wanted to do this on her own. So the consequences should be her own.

He needs to hire someone who will be a shark like him on these calls.

I'm a nanny and in the nanny FB groups. People will come on there and post like this family is going to hire me and then go out of town for two weeks and then you find out they never even had an in person interview. I get messages in broken English and I know... We don't get too many scams where I live because it's so small the Nigerians haven't heard of our city.

*nods slowly * I respect your courage in sharing that. Cheers. That's the kind of " heart of a teacher" humble attitude we need to hear and see more often in this world.

@Dementia Joe haha, true

Well, I was in school before internet days and never heard of the term scamming.

I'm so old that I remember the day when every other person was not a criminal trying to steal from you. I really miss those days.

I liked that one too 😅

Fair point !!

She saw $$$. And got caught up. She needs have a talk with the parents and have her explain what she did.

@Prey R No argument there. Instagram is just a new form of poison social media.

Indeed