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Guests used a stolen card, masked up, and cleaned out a Scottsdale mansion—spray-painting the cameras and hauling valuables all night. In this episode, we break down what went wrong and exactly how we rebuilt our fraud-prevention process for direct bookings and OTAs. If you manage short-term rentals (or you’re an owner), steal our checklist to protect your property and your chargebacks. 00:00 Hook: “Robbed blind” in Scottsdale 00:10 The setup: owner-occupied mansion turned STR 00:26 Why this arrangement is risky 00:53 Valuables left on site (safe, memorabilia) 01:02 Booking.com guests & first red flags 01:11 “Leave us alone”—service access denied 01:18 Owner returns: valuables missing 01:25 Cameras spray-painted; masked crew & truck 01:44 Fake name + stolen credit card discovered 01:49 Lesson #1: Never leave valuables in an STR 02:56 Lesson #2: Overhauling fraud settings 03:27 Finding the friction “happy medium” 03:55 New policy for direct bookings (ID, card, selfie) 04:13 Turo-style selfie verification 04:19 Matching processor name to ID/card 04:44 Chargebacks = “free stays” problem 05:10 Our current protocol + call for best practices