huhsmile Profile picture
Apr 16, 2024 23 tweets 7 min read Read on X
Sinimot ko yung laman ng Gcash ko today. Here’s why (A Thread on new scams, uselessness of the Sim Reg Act, how Gcash charges us MORE to “protect” our money even though they’re already using our money while it’s in their system.)

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sorry wait lang az a corporate drone na may tinatapos na deadline nalimutan ko iblock number ko 😔 rewriting the thread now
At around 8am nakatanggap ako ng tawag ng lalaking nagmamakaawang ibalik ko daw yung 1,100 Php niya na nagkamali siya ng send by 1-digit kahapon.

Sabi ko ichecheck ko muna sa app sir para sure. Meron nga. Image
Habang inaasikaso ko yung pagbalik sakanya, may isa pang tumawag na babae. Yung 1,100 din yung hinihingi, sabi ko inaasikaso ko na nga. Check, yung ending ng numbers nila:

1789 - lalaki
6178 - babae
1693 - gcash # source

Yung pinagtetext-callan nila hindi galing dun yung pera
Nagtext si lalaki ng number, dun ko daw ibalik yung pera. (Hindi dun sa pinanggalingan na 1693) Image
Nagtext naman si babae, yung number kung saan niya pinapabalik yung pera ay yung same Gcash num nga kung san siya galing.

Ako naman, bat dalawa katext ko??? Image
Kinclarify ko dun sa assumed lalaki na number kung alam niya yung isang number. Siya din daw yun.

Edi ok, bilang ayoko ng gulo at may tinatapos nga akong deadline, nagsend ako ng 1,100 at nagpasalamat na siya. Pero parang mali talaga eh - kaya pumunta ako sa sumbungan ng bayan.. Image
Reddit.

As per reddit, very likely naman na may nagkamali talaga ng send kase dahil sa bagong policy ng Gcash kung saan pinapadoublecheck sayo yung number bago mo isend, hindi na nila irereverse yung transaction kahit na 1-digit lang mali mo (dati ginagawa nila to) Image
In fact!, ang advise nga ng Gcash mismo if nagkamali ka ng send, on their website it says to reach out to the recipient yourself- wala na sila dun. Image
so logically speaking, kung honest nga yung lalaki at babae na nagkamali lang sila ng send, tama naman yung ginawa nilang tinawagan nila ako - kase yun ang advise ge Gcash as per their website - at hiningi nila ulet yung pera (na natanggap ko naman talaga) Wala na Gcash sa usapan
Kumbaga as per policy ng Gcash di nila maibabalik yung pera sa account nung mga nagkamali, debited from my account automatically… unless? 👀

You know yung madaming checkbox pagnagsesend ka from Gcash? yung nagpapadagdag ng pera? Addtl 30Php? Image
As per Gcash’ website hindi naman “Refund feature” ang pag subscribe dun sa Protect Insurance nila
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Pero as per their site, as of tweeting, this feature allows you to file for Claims if something in your transaction goes wrong. (with addtl steps kase they want you to do everything jn your power muna to recover your own money back) Image
I’m linking the Gcash page to this feature here - basically maraming steps if you want to file for Claim if there is anything fraudulent pero opting IN to the insurance gives you the window to be **allowed** to dispute your transaction and escalate it to a claim Image
ENDing: Nascam ba ako? Hindi ko alam.

Nawalan ba ako ng pera? Hindi naman.
Nakatulong ba ako sa nangagailangan? Hindi ko alam.
Naloko ba ako o ginamit as Money Mule? Hindi ko alam.

Basta inubos ko laman ng Gcash ko just in case may mag “dispute” at mabawasan ako ng 1,100Php Image
wag niyo po itext yung mga number - hindj po talaga natin maverify kung totoong nagkamali po sila ng send o kung may balak ba silang “refund-scam” (hiningi din po nila si Ref# nung pagbalik ko nung pera)

Pero dito na nga po pumapasok yung ano nga ba silbi nung SIM Reg Act ampota
Kung some form of scam nga ang nangyayare sakin, possible din naman yung chance na ginamit *ako* o yung pag-transfer ko ng pera ng sadya.

Them > Me > Them (Other number)

a way to cover tracks regarding sources of income, very popular for money laundering
If proven po na involved ako sa chain naman, if some form of money laundering nga ang ginawa, pwede namang ma deactivate yung Gcash ko 🥲

Kumbaga sumunod lang naman ako sa advise nila na magbalik ng perang hindi akin pag may tumawag, account ko pa madedeact 😔 okurr
Anyway, kayo nalang po humusga. Parang hindi tama na we give this platform our trust, and pay a fee for every transaction, pero ang ending parin is if may problema bahala na kayo mag-usap (whether totoong tao ba kausap mo o scammer)

Kawawa naman yung mga totoong tao.
Naaawa din naman po ako sa nagkamali lang ng send, pero also apparently the risk is with me kung ibalik ko yung pera. Macocompromise ba yung account ko? madidispute ba nila na scammer yung Gcash Account ko?

Tinanggal ko na pera ko sa Gcash before anything else escalates (:
Basta ako po malinis po ang konsensya ko today, binalik ko po yung pera sakanaila (kung sino man po sila)

ang risk lang is saakin napunta. Going to unlink my Gcash to things - baka lumipat ako to a different platform na.
Links:

GInsure Send Money Protect: help.gcash.com/hc/en-us/artic…
Links:

Gcash Sent Money to the Wrong Account with Express Send

.help.gcash.com/hc/en-us/artic…

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