My 17-Year-Old Daughter Got Scammed On Instagram!
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- Äas pĆidĂĄn 31. 01. 2022
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Teach kids not to send anyone or give anyone money period!!! Even boyfriends, family, etc!!!
I worked at a bank for 11 years. This is the parentâs fault.
The âprotectionâ he is looking for is that the bank required a legal guardian to be on that bank account WITH the minor. It is the legal guardianâs responsibility to monitor what the minor does with that account, not the bank.
I love Dr. John's initial response. You can teach your kid to own it or teach them that it is always someone else's fault.
Yea, typical liberal. Always blaming the victim.
I work at a bank....this happens all the time. A minor is off the hook, but the adult is still responsible for the account.
Iâm a cop and this stuff happens ALL OF THE TIME.
If someone gives you a check and tells you to cash it and give them back money donât do it
If the âIRSâ tells you to pay them money in gift cards donât do
If you get a call for a police station telling you to pay for a warrant over the phone via Apple Pay donât do itâŠ. As much as you guys hate being scammed we hate having to take police reports when people do such stupid activity
Yeah this why when places call. I ask them to send a letter in the mail. I donât 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 donât take Apple or Amazon gift cards?
Hahaha why didnât she just say âwhy not just send me $500?â
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 sheâs 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?
I agree with John- it's not the banks fault- she accepted the check & sent them the money back. Teach your daughter how to avoid scammers as common sense is lacking in this situation with the daughter.
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.
The daughter should have been taught/known to consult with her parents before entering into a transaction like that.
Maybe she was taught, but teens can get sort of cocky. They think they know more than their elders.
@@jdstep97 and now itâs paytime!
Exactly especially if someone was exploiting her photos bc âshe looked so goodâ as a minor!!! She wanted to feel grown and got burnt
Maybe or maybe parents are ignorant of what's going on.
Zelle user here, zelle insists multiple times that you donât send money to people that you donât know personally, they make you click over and over that you acknowledge this. She violated their terms, is her fault not theirs
I got scammed when I was 17 - lost like $600 on an MLM âinvestmentâ. Good lesson to learn the hard way
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 âBurn Loungeâ was supposed to be the next great iTunes competitor.
@@mikederucki Iâve heard about that, many people made that mistake bud donât beat yourself about it
Lesson learned for her. The money isnât âthereâ until the check clears.
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.
"My daughter is selling herself on the internet, and my priority is to sue the bank." - American Parent, 2022
I can tell youâre probably a boomer, but this is a legitimate practice people do to promote clothing, brands ,etc. itâs 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 đ
@@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
So if that father hands the key of his car to his daughter and she drives it into a tree, he will blame the car maker for not making the car safer for teenagers? SHM
Parents will sue the tree.
"Why didn't the bank stop me from using my own money đĄ I'm gunna sue" I mean come on man. It's not the banks fault your kid was naive. Live and learn đ€·ââïž
John was spot on. I feel for the father but this is a learning lesson for his daughter
Agreed!
Donât let your kids have Instagram. Boom problem solved lol.
More like a learning lesson for him.
This is one of the best calls theyâve had in a long time. For the very simple reason it gives you a very good snapshot of how many Out there think. His first instinct was to blame the bank for his daughters choices his choices and his exes choices. Itâs a perfect 10 minute microcosm of what is really wrong. Iâm sorry your Daughter got scammed, itâs not the banks fault.
The daughter is a minorâŠ
@@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???
Iâm 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!
Zelle has a disclaimer that says that you are choosing to send money to an individual and that once you send it, it is gone. You have to accept it when adding a new person to send the money too. Soooo safe to say the money is gone.
Yea, not trusting Zelle or other apps like Zelle. Seems too easy for the money to be gone by a scammer.
when a man walks up to a woman on the streets and offers her money for her looks... that's sketchy enough as it is, but to be going down this path so young.
This could be fashion phots, animal / pet photos etc. Not _that_ kind of pics.
The daughter was probably bragging to her friends about being an insta model too đ
Stop it Ethan đđđđđđđđđđđ
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.
đđ€Łđđ«
YehâŠâŠ but do you believe everything you just said.
@@AllynHin lol wildlife or Landscapes đ
Oh sheâs definitely showing her wildlife and her landscape to be getting offersđ°
Just another 'everyone else is responsible'. If that was my daughter, "you screwed up so cough up the money".
Very sad but it is a common story. She authorized the transfer and the bank cannot take responsibility for ignorance.
itâs everybody fault except theirs⊠take responsibility live and learn, so it wonât happen again
"Parents, Get involved in your kids' lives!"... Well said, Sir. The older I get, the more I realize how truly vulnerable the young are.
Kids are sweet and kids are stupid. Parents need to be in control of their kids. Sucks for teenagers, but it beats being scammed. Lessons learned.
This is the reason MINORS should not be trying to âadultâ.
Scammers are everywhere. Teach the daughter to be vigilant especially to people from the social media.
Divorced parents. Girl living with single mom using social media without supervision and connecting with random people.
She learned a valuable lesson and so did you. Donât send money to people using Zelle that you arenât personally familiar with. Thereâs nothing in life for free.
Teenager shouldnât even have Zelle. Itâs 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.
Exceptional advice! This falls on the parents. The child had too much freedom with this account and now has to learn at an expensive price.
Totally agree with "Get in their business." They are in your house. No privacy.
And why is a 17 year old girl talking to random stranger menâs on the computers?
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 âactionâ. 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 daughterâs 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 daughterâs 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 sisterâs 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. Theyâre oblivious to the dangers out there.
I live in oklahoma and most states like oklahoma đđŒ young kids at age of 16 to be with soemoen older as long as the parents are fine with it
âSomeone should have been my minor daughterâs bank account.â Yeah, you.
That was fishy from the start. "They enjoyed her pictures and wanted to buy them"?đ
âEnjoyed.â Right.
Imagine a father who doesn't protect his minor child wants the bank to protect her. Horrible parenting.
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.
Thereâs a good chance mom and dad arenât on the same page as far as daughterâs phone and internet access. Itâs so hard to be united and protect your kids when the other parent isnât 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 didnât tell them.
As a banker for a major bank this happens way too often. It's crazy how people fall for this stuff.
Minors can't have their own accounts. You, the parent, are technically the account holder. YOU are responsible for that money.
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.
The part about how it's only the elderly or the really young who get scammed nowadays is spot on.
Feels like the 25-50 age group that grew up with the internet know how to really avoid falling for scams.
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.
The bank didnât sign for the minor to open the account, the parents did. So itâs their job to oversee her activity
Who falls for this? đ. SMH. There are no protections with Zelle. They tell you that every time you send with Zelle. The Bank isnât responsible
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 doesnât happen to youâŠ
@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.
Parents REALLY need to have long talks with their kids about social media safety. It's a hornets nest out there and kids tend to be very trusting with strangers.
"No one's ever wanted to buy my photos that I post on Instagramgram... So, I don't know what she got on her Instagram."
... photos of a 17yr old female? I mean...
This has money laundering written all over it. Does the caller's ex-wife also respond to emails from lawyers in Zimbabwe?
It is call greed. It is call sneaking. It is call lack of communication with parents.
I work for a bank and I canât begin to tell you how often these type of scams happen. Itâs not the banks fault, itâs your gullible kids fault to fall for the âeasyâ money.
The bank did protect them. They bounced the check lol and said it was suspicious. Checks usually take some time to clear.
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 wasnât truly set up as a minor account.
I think this is Johns first rant. Good for him. New dad
New Dave!
Of course âItS tHe bANkâs FaUlTâ đđ€Šđœ
Had someone try this to me when I was at the ATM. I worked with a teen and I told her to watch out because they were trying to get someone to deposit a check, do not take it and do not give them anything. They came to her and she remembered what I said. She told them to hold on and called the cops.
7:37 that was so out of left field. i laughed so hard that i fell off my couch. "I'm gonna hard nope on that one"
I'm happy George mentioned Stupid Tax. It'd be great to get this back, but the lesson that could be taught here would do wonders for her financial future.
He's right. States are different. My word. When I was 17 (a gazillion years ago), I remember trying to open a *checking* account. I was told by the bank that I needed to wait until I turned 18. Until then, I could only have the *savings* account.
I wish Dave took this call
He needs to hire someone who will be a shark like him on these calls.
Excellent advice and I hope he takes it. He should also not cover it for her.
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.
Wait.. when she tried to cash out the fake $3k check, she didn't wait to see if the check was cleared before sending them the $2500?
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
He sent shoes to Nigeria? đ đ€Ł.
I liked that one too đ
Great suggestion hope the young girl learned a lesson and hope she would be wiser for rest of her life! Expensive lesson but nothing comes for free!
SCAMMING IS AT A ALL-TIME HIGH!
MONEY OUT OF SIGHT, STARTS A FIGHT!
It bothers me that anyone could fall for a scam or someone says I'll give you x amount and you give me x amount back....
Why would any legitimate business take such of an action? It doesn't even make sense
the government does it đ€·ââïž
Yes! Great advice guys, it's called accountability!!
Not even that they send you a check and you cash it because that check could bounce.
Until you have actual funds that have been confirmed âŠ. Feel so bad for this young lady, but I think itâs teaching the whole family a valuable lesson on scams.
Some of the parents of 2022âŠđ€Šââïž What an exceptional generation you are creating. Thank you Dr. John for calling out these parents not parenting.
4:48: John trying to get George not to use the term "stupid tax".! It does sound harsh, but ya know what? We've all paid a stupid tax at some point in our lives.
You cash a check, you are responsible! PERIOD. Lesson learned. Pay it back
Banks can't protect people from stupidity. This is likely an expensive lesson for the teenager.
Whatâs interesting to me about this and this would have saved everyone a lot of trouble. If you get a check and deposit it the bank will say the cash is instantly present on terms of good faith but it hasnât cleared yet. If you deposit a check and you donât know the person who gave it to you. Itâs best to wait until it settles. You shouldnât just rely on the âpresent balanceâ. You have âpresent balanceâ and âavailable balanceâ. Itâs more about the principle of handling checks in general than someone being scammed with checks. Itâs just another layer of protection.
I may have the terms backwards but you get the concept.
Someone once said to me, âkids may know more about technology and social media, etc. but adults know more about life.â
My very first thought was wondering why her account was public at 17 years old. But in all fairness, it is really easy to get scammed online. I saw an ad in my feed for Carterâs and they were having a really great clearance sale. I purchased a few items, but then the website didnât exist the next day and I never got the items. I found out it was a scam. I never wouldâve thought that a well known baby clothing store ad on my Instagram feed would be a scam, and Iâm in my 30s.
Happens a lot.. both of my brothers were scammed at some point and my parents had to deal with it financially. an advantage of being the youngest is you get to see and avoid stupid decisions your older siblings made
Zelle is notoriously bad about security. I hear ALL the time about people whose accounts get hacked via Zelle, sometimes without them even knowing that Zelle is automatically set up with your bank account.
And also, yes itâs easy to say âParents just get involved,â but the truth is, there is SO MUCH happening and changing online every day that itâs near impossible for parents to keep their thumb on all of it. Until we stand up and demand real online protections for youth, we as parents have to refuse to let kids on it at all.
Dad blames the bank. He is setting her up for failure. He needs to look in the mirror at his parenting.
I would have loved to hear Dave's response. There's no such think as "a bank account for minors."
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 couldnât 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.
I agree wirh John! I would demand the daughter to get a job to pay for the $3,000
I was half-raised by the internet since my parents were super lax about me using it, and though I've learned some internet street smarts to avoid scams like this and others, I fell into many deep rabbitholes no kid ever should and am still working my way out of them - not even just financially speaking, I back what John says twenty fold and hope parents heed his advice
*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.
GREAT advice John!!!
Not the answer he was looking for
He doesnât want his daughter in front of a judge. These scams are well known. I donât think the judge will let them off the hook.
The answer is not to deny access to the internet. The answer is to TEACH them HOW to use the internet. A 17 year old has a right to communicate using the predominant form of communication and learning, aka the Internet. Youâre not solving anything by completely restricting their ability to navigate the modern world.
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
BANK DOESNT PROTECT STUPIDITY.
No but they make money on it!
Note to parents: this is an old scam. When you get your kids devices and bank accounts, have a talk with them and inform them of these common scams, perverts, etc. Arm them with knowledge.
When I was in high-school, way before the internet days, they taught us how to avoid scams. I wonder if they still teach it today.
@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.
This is unfortunately a new reality of kids on social media. John and George, of course nobody wants to pay for pictures of old guys, but for teenage girls, it's a whole different story. Dads need to make sure to have a discussion with their daughters about not falling for money scams, but of not meeting strange men on instagram as well.
@Prey R No argument there. Instagram is just a new form of poison social media.
I can only imagine If Dave took the call: "It's not the banks job to fix stupid and lack of common sense"
I used to work for the banks, if you willingly give up your financial information to someone thats your problem and you wonât see any reimbursement for that.
If sheâs responsible enough to have such an account then she is responsible enough to not send pics to ppl on social media she doesnât know. She tried to be slick and got ganked (scammed). Iâm sure she has learned her lessonđ
She saw $$$. And got caught up. She needs have a talk with the parents and have her explain what she did.
It is a hard but valuable lesson she just learned. I hope she carries this & shares this, so that it never happens again.
I got scammed once when I was in college. Trying to buy something onlineâŠlost a few thousand. But now I am much more careful.
They should have a class in High School that goes over these scams. This is one of the oldest scams in the books. It's been around for decades.
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.
Being a Luddite will cause them not to learn⊠that option is the only bad advice here since they will age and fall prey later⊠that should be reconsidered by Dr John
Absolutely correct, Dr. John!
It's always somebody else's fault. I also thought that young people were too savvy to get duped like this; these things only happen to old people? hahaha.
Excellent advice
Most scam emails I can tell are fake right away but some look legit. The ones that look legit I just wait until they send me follow up paper mail.
If you came to the bank I worked at with this, they would, in Daveâs terms, âlimit this relationshipâ and ask you to find a new bank after paying in full or they would lock their accounts until the debt is paid.
Sorry his daughter was so internet raised she fell for that
My bank notifies me of any transactions over 300$, but itâs a feature that has to be turned on. If itâs not turned on than the bank canât be at fault of fraud protection. Stop blaming others and take ownership.
5:38 There are scammers who send checks in the mail and can compromise your bank account. Mail-in checks are not 100% safe
A parent opened a checking account for an immature child who got scammed. The parent "it's the banks fault"...lol. Also don't let a child on social media especially if they are immature, that's also your fault.
If you cash a check, you are representing to the bank that you know the check is good. Never cash a check that you don't know the person is legitimate.
Overpay scams have been around longer than the internet....
Almost impossible to catch the scammer.
Remember, money doesn't come easy
Man im only 20 but never in my life would i have fallen for that like if you just give it an ounce of thought your gonna realize somethings not right but this is all too common for not just us young people but older folks too
very few parents actually track what their kids are doing and most of their time isn't on candy crush
Omg this is one of the oldest scams in the book. Live and learn