Slow Credit Card Verification Lands Man In Jail

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$600 for strippers? Declined. $1,000 for bail the next morning? Approved. What's in your wallet?

A few minutes later, at 3:57am, Marcani reportedly received an e-mail from Capital One asking him to verify the charge, but he wasn't able to check the e-mail because he was already handcuffed and the police confiscated his phone. The next morning Broward County Jail successfully charged $1,000 to Marcani's credit card for bail.
 
That's what you get for living in a third world country that uses magnetic stripe credit cards, haha.
 
Ugh.. thats the "fraud protection" activating on his account. It can be annoying. Only happens to me when I try to buy an old game off gog.com which is based in the EU someplace, and I am in the US. The website will say error processing, I have to call my credit card co and tell them I am trying to use it on the website, then it finally works.

But if you got boobies in your face, pretty sure you aren't bothering to check email about fraudulent charges.

That means they arrested him for no reason essentially... good job CC company. I would be one pissed off client right about now.
 
Must of been the Walmart service desk that messes up everything even if you work there.
 
Although the arrest is bogus and a waste of public resources, the benefits of fraud protection generally outweigh the penalties ... charging in a strip club or making a large one time charge at a new establishment are pretty much no brainers that they will trigger security ... they are easily preventable by prealerting your card (for any of the major providers) that you are going to be making a high risk charge

I had a situation last week where I was trying to lease a new apartment and I was putting the deposit and first months rent on my card ... of course it triggered security but I was monitoring the credit card app and was able to call them and address the security concern and got the charge approved within 2 minutes (the operator stayed on the line with me to insure it went through okay)
 
This sounds like a lot of stupidity. When I went to rent a place in the UK I paid by CC, depoist + 6 months rent. The rental agency called the bank for me, talked to them, and handed me the phone to confirm my identity with the bank. This can't be the first time the strip club has had this happen.
 
The CC company and the police will likely be forced to either eat the costs or pay additional restitution. He can file a wrongful arrest case and will likely win his case. While neither party acted incorrectly they both did fail to correctly follow up on the situation.
 
The CC company and the police will likely be forced to either eat the costs or pay additional restitution. He can file a wrongful arrest case and will likely win his case. While neither party acted incorrectly they both did fail to correctly follow up on the situation.

I don't see how the CC company is liable here ... I would put the liability on the club (for allowing the arrest) and the police (for making an arrest when a phone call would have sufficed) ... fraud protection security is not unexpected when you make unusual charges (and the person wasn't given the opportunity by the club or the police to make the call to resolve this)
 
From someone who has worked in Credit Cards, this seems fine to me.
 
I'm no fan of this guy.

IMHO people who spend money in strip clubs are kind of slime balls.

That being said, there are three major problems here.

1.) We are still on magnetic strips when the rest of the world (except for one small African country) are using smart chips. Very embarrassing for the richest country on earth.

2.) Fraud is a problem, but the fraud protection actions can't be overzealous to the point where they limit the products useability, and embarrass their customers.

and most seriously:

3.) The mans cards weren't rejected for insufficient balance, but even if they were, since when is that an arrestable offense? Sure ruin someones credit, have their wages garnished, whatever, but debtors prisons were abolished a LONG LONG time ago.

That COP needs to lose his job, and the county/city/whatever needs to be sued... Even though I don't necessarily want that slime ball to win any major settlement.
 
I blame the strip club for over-reacting.. they should pay his police costs, and really, refund his bill as an apology.

If that happened to me, I wouldn't be visiting that establishment ever again. He spent $600 in one night, sounds like a customer I want to come back.
 
Zarathustra[H];1041160067 said:
IMHO people who spend money in strip clubs are kind of slime balls.

Well, yes, but...for men it's like an addiction and some don't understand how to fix it or overcome it so they go to places like that. The people that work at and operate them are usually pretty yucky too. Okay, sure there's probably exceptions and people just trying to make a living, but I think there'd be a lot less crime if people would just stop being so infatuated with sex.
 
The only at fault here is the cop, who could not wait for the phone call to be completed.. it is absurd.
I mean did driver license and CC name did not match or what?
 
I don't see how the CC company is liable here ... I would put the liability on the club (for allowing the arrest) and the police (for making an arrest when a phone call would have sufficed) ... fraud protection security is not unexpected when you make unusual charges (and the person wasn't given the opportunity by the club or the police to make the call to resolve this)

If the CC company denied the charge and then were so slow in following up that the man had time to be detained, questioned, and then finally read his rights and formally arrested and transported to jail before they reached out to him then yea. They are some what responsible for what happened.
 
That's what you get for living in a third world country that uses magnetic stripe credit cards, haha.

This. Why won't US credit card companies use modern technology and try to stop fraud.

Where are our elected representatives to drag US industry into the computer age? Oh, wait, they are busy banning laptops on the congressional floor.

Also, complete overreaction by both the club and police, who both seem to lack patience and common sense.
 
Well, yes, but...for men it's like an addiction and some don't understand how to fix it or overcome it so they go to places like that. The people that work at and operate them are usually pretty yucky too. Okay, sure there's probably exceptions and people just trying to make a living, but I think there'd be a lot less crime if people would just stop being so infatuated with sex.

Really? LOL!

There'd be a lot less crime if people would just stop being so infatuated with money.
There'd be a lot less crime if people would just stop being so infatuated with material possessions.
There'd be a lot less crime if people would just stop being so infatuated with religion.
There'd be a lot less crime if people would just stop being so infatuated with emotions.
There'd be a lot less crime if people would just stop being so infatuated with violence.

equilibrium.jpg


There'd be a lot less crime if people were just - less human.

If you don't agree with what he does, fine. Doesn't make it wrong.

------

The cop was a bit too quick with the arrest. I've been in the position where my card didn't work. It was embarrassing. The hotel knew exactly what was wrong, and after a phone call, it worked fine and I knew about the restriction (anything past 400 miles from my home is denied by default). After that, I just call them and tell them I'm out of town. Easy.

It's a very common occurrence lately. Club should have known better. Cop definitely should have known.
 
If the CC company denied the charge and then were so slow in following up that the man had time to be detained, questioned, and then finally read his rights and formally arrested and transported to jail before they reached out to him then yea. They are some what responsible for what happened.

It sounds like they sent him an email immediately (that he didn't see) and he was arrested before he could call ... they don't indicate what fraud protection settings he had set up (most cards have a variety of options for users to choose from) ... if he had set up his mobile number to be called and they didn't then the credit card is at fault partially (Capital One does offer a text alert option for security issues)

I would put the blame in three places here:

- club for not allowing him to complete the security verification procedure
- police for arresting him when all he needed to do was make a phone call and there was no actual fraud occuring
- the man for not establishing a text alert on the security notification so that he could have called the bank immediately
 
It sounds like they sent him an email immediately (that he didn't see) and he was arrested before he could call ... they don't indicate what fraud protection settings he had set up (most cards have a variety of options for users to choose from) ... if he had set up his mobile number to be called and they didn't then the credit card is at fault partially (Capital One does offer a text alert option for security issues)

I would put the blame in three places here:

- club for not allowing him to complete the security verification procedure
- police for arresting him when all he needed to do was make a phone call and there was no actual fraud occuring
- the man for not establishing a text alert on the security notification so that he could have called the bank immediately

Shouldn't have been arrested at all, even if the cards were declined for insufficient balance (which they weren't in this case), unless it was evident that there was fraud involved.

1.) Intentionally running up a balance you know you can't pay, may be a crime (depending on the circumstance and state)

2.) However, if it is unintentional (whoops I spent more than I thought, or I didn't realize THAT was coming out of my account or something like that) it is a civil matter not a criminal one.

3.) Having security issues with your card is DEFINITELY not a crime.

We abolished debtors prisons in this country in the 1830s to 1850's (depending on state)

You can send the amount to a collections agency, file a unpaid/delinquency notification with a credit bureau, and in some cases even garnish wages to get the debt back, but you can not arrest someone for it.
 
Really? LOL!

There'd be a lot less crime if people would just stop being so infatuated with money.
There'd be a lot less crime if people would just stop being so infatuated with material possessions.
There'd be a lot less crime if people would just stop being so infatuated with religion.
There'd be a lot less crime if people would just stop being so infatuated with emotions.
There'd be a lot less crime if people would just stop being so infatuated with violence.

equilibrium.jpg


There'd be a lot less crime if people were just - less human.

If you don't agree with what he does, fine. Doesn't make it wrong.

------

The cop was a bit too quick with the arrest. I've been in the position where my card didn't work. It was embarrassing. The hotel knew exactly what was wrong, and after a phone call, it worked fine and I knew about the restriction (anything past 400 miles from my home is denied by default). After that, I just call them and tell them I'm out of town. Easy.

It's a very common occurrence lately. Club should have known better. Cop definitely should have known.

Meh, if I were king for a day there would be no more strip joints, "escort services", pornography, booth babes or hooters, and prostitutes and johns would be behind bars.

If people can't control their desires, they should just be chemically castrated.
 
Zarathustra[H];1041160220 said:
Shouldn't have been arrested at all, even if the cards were declined for insufficient balance (which they weren't in this case), unless it was evident that there was fraud involved.

1.) Intentionally running up a balance you know you can't pay, may be a crime (depending on the circumstance and state)

2.) However, if it is unintentional (whoops I spent more than I thought, or I didn't realize THAT was coming out of my account or something like that) it is a civil matter not a criminal one.

3.) Having security issues with your card is DEFINITELY not a crime.

We abolished debtors prisons in this country in the 1830s to 1850's (depending on state)

You can send the amount to a collections agency, file a unpaid/delinquency notification with a credit bureau, and in some cases even garnish wages to get the debt back, but you can not arrest someone for it.

I am in full agreement with this. I put the blame squarely on the club (for allowing the arrest) and the police (for making the arrest). It is the CC company I consider blameless as fraud protection is a valuable service (and somewhat predictable, so a security alert for a large charge at an adult establishment ... unless he charged there all the time ... is very likely to trigger a fraud alert and card hold) ... the card hold could have been resolved with a phone call which the club and police did not allow him to make
 
Zarathustra[H];1041160230 said:
Meh, if I were king for a day there would be no more strip joints, "escort services", pornography, booth babes or hooters, and prostitutes and johns would be behind bars.

If people can't control their desires, they should just be chemically castrated.

Well, good thing you're not. While I'm not someone who goes to Strip Clubs, why deny people the right to do what they want to do? If it isn't harming anyone (for the most part), it's not really an issue (I'm just generalizing here, let's not go into a tirade for no reason).

CreepyUncleGoogle said:
Well, yes, but...for men it's like an addiction and some don't understand how to fix it or overcome it so they go to places like that. The people that work at and operate them are usually pretty yucky too. Okay, sure there's probably exceptions and people just trying to make a living, but I think there'd be a lot less crime if people would just stop being so infatuated with sex.

Infatuated with sex in general, or infatuated with strip clubs/pornography? :mad:
 
Zarathustra[H];1041160230 said:
Meh, if I were king for a day there would be no more strip joints, "escort services", pornography, booth babes or hooters, and prostitutes and johns would be behind bars.

If people can't control their desires, they should just be chemically castrated.

I don't visit strip clubs, I don't buy hookers or any of that. But, I'm not going to deny others that freedom.
 
I don't visit strip clubs, I don't buy hookers or any of that. But, I'm not going to deny others that freedom.

If it were victimless I'd take that approach as well, and just not associate with those people, but the truth is, many women are forced by their economic situations to humiliate themselves and sell their bodies, and that just isn't right.
 
Zarathustra[H];1041160281 said:
If it were victimless I'd take that approach as well, and just not associate with those people, but the truth is, many women are forced by their economic situations to humiliate themselves and sell their bodies, and that just isn't right.

That side of it makes sense, but no one is actually forcing women to go strip. Plenty of women I know who have fallen on some seriously bad times ended up fine without selling their bodies. Idk, it depends really.
 
Zarathustra[H];1041160230 said:
Meh, if I were king for a day there would be no more strip joints, "escort services", pornography, booth babes or hooters, and prostitutes and johns would be behind bars.

If people can't control their desires, they should just be chemically castrated.

That might be a little bit extreme. I just would like for people to have more self control and take responsibility for stuff they do. Then again, I really wouldn't complain. If you were running for King with that agenda, I'd vote for you.

Infatuated with sex in general, or infatuated with strip clubs/pornography? :mad:

I dunno, both? Neither? It's really hard to say which is the cause and which is the effect since they're sort of interrelated inside the brain. I had to sit through this class on the chemical compounds in a brain and how outside stimulation can cause like a cascade effect and create addictions to things. I guess the question to ask is what really causes some people to go there in the first place and if that action creates the bad things that happen afterwards or of those bad things were always there inside the brain to begin with.
 
Zarathustra[H];1041160230 said:
Meh, if I were king for a day there would be no more strip joints, "escort services", pornography, booth babes or hooters, and prostitutes and johns would be behind bars.

If people can't control their desires, they should just be chemically castrated.

Wow..glad you so obviously believe in freedom..:rolleyes:
 
What is wrong with this guy, everyone knows you need cash to "MAKE IT RAIN BITCHE$"
 
Zarathustra[H];1041160067 said:
I'm no fan of this guy.

IMHO people who spend money in strip clubs are kind of slime balls.

Uh, he wasn't at a strip club, he just ordered bottle service in the VIP section of a nightclub.
 
The one lesson here is that if you are having problems with a card you should call them immediately yourself to resolve the issue ... I still blame the club and police but if he had called the card himself after the first decline then the whole thing might have been resolved before the police even arrived (if his card doesn't have a 24 hour service number then he probably needs to be looking for a new card)
 
Zarathustra[H];1041160281 said:
If it were victimless I'd take that approach as well, and just not associate with those people, but the truth is, many women are forced by their economic situations to humiliate themselves and sell their bodies, and that just isn't right.

Many women are. Some women aren't. It's good money, some enjoy the work. They have that freedom to do the job. They aren't forced to do it.

If I had a daughter, I wouldn't want her to do it. I'd do whatever I could to where she wouldn't want to do it nor had to do it. It's not something that many would do.
 
Zarathustra[H];1041160281 said:
If it were victimless I'd take that approach as well, and just not associate with those people, but the truth is, many women are forced by their economic situations to humiliate themselves and sell their bodies, and that just isn't right.

oh cry me a river...

The money they make accounts for the humiliation and blah blah blah. It is only humiliating if you think it is.

If someone is forced mentally or physically that is a different story but please... saying women are forced into stripping is like saying I was forced into selling drugs because I only had a part time waiter job.

I am very liberal but your argument makes no sense.

For the record, there was a time I worked at a bouncer and waiter at a gay leather bar (I am not gay). I had to deal with ass-grabs and nastier pick up lines then 99% of women hear. It was part of the job and pretty funny actually.

Shit I would flirt will the guys to get better tips sometime over play the can't get me straight guy... I didn't give a rats as if people thought I was gay or humiliated. I agreed to work and did to make money to pay the rent. When I found a better opportunity I changed jobs... no skin off my back, I wasn't humiliated in the least.
 
Zarathustra[H];1041160230 said:
Meh, if I were king for a day there would be no more strip joints, "escort services", pornography, booth babes or hooters, and prostitutes and johns would be behind bars.

If people can't control their desires, they should just be chemically castrated.

I don't think you would survive the day.

I do like to joke that when I'm King, my death squads will locate and execute everyone who cheats at online gaming.

At least in my tyrannical fantasy, my victims have actual mens rea.

The people you're describing are controlling their desires. They are all volunteers and they are all getting something out of those transactions. It may not be healthy or ideal but people "not controlling their desires" are called rapists.
 
$600 for strippers? Declined. $1,000 for bail the next morning? Approved. What's in your wallet?

Since not everyone seems to be aware and is calling this guy a slimeball for going to a bughtclub and theres no mention of strippers in the article at all other than the initial comment made by Steve. I find it interesting that the topic has partially derailed because of this and people are focusing on something that isn't even true.

Bottle service is the sale of liquor by the bottle in lounges and nightclubs. The purchase of bottle service typically includes a reserved table for the patron's party and mixers of the patron's choice.

In L.A. Bottle service can run you upwards of $1000 per bottle.
 
Zarathustra[H];1041160230 said:
Meh, if I were king for a day there would be no more strip joints, "escort services", pornography, booth babes or hooters, and prostitutes and johns would be behind bars.

If people can't control their desires, they should just be chemically castrated.

+1

You'll take crap from all the people on the forum here for saying something like that, but it's true.
 
Zarathustra[H];1041160230 said:
Meh, if I were king for a day there would be no more strip joints, "escort services", pornography, booth babes or hooters, and prostitutes and johns would be behind bars.

If people can't control their desires, they should just be chemically castrated.

I don't see how any of that isn't controlling your desires. Rape what happens when you don't control your desires.
 
Zarathustra[H];1041160067 said:
Sure ruin someones credit, have their wages garnished, whatever, but debtors prisons were abolished a LONG LONG time ago.

Oh really?

Never been in a divorce with kids with a malicious woman have you?
 
+1

You'll take crap from all the people on the forum here for saying something like that, but it's true.

Yup you guys are completely right... I mean prostitution and all that stuff has been against the law and punishable by dealth in many parts of the world for 1000s of years...

Look at the progress! Prostitution is eradicated... errr its not?

Sorry but your self righteous attitude is more disgusting to me then a John paying to get some tail from a woman willing to sell it.

I am willing to support (and fight for) your right to believe prostitution is wrong... I will not support you trying to force others into the same belief. If there is forced prostitution that is slavery and a whole different situation.
 
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