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| | | Author: | OtterFlosser  | | Posted: | Jul 22, 2022 01:42 | | Subject: | Order claimed as fraudulent | | Viewed: | 275 times | | Topic: | Problem Order | |
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| Help please,
I’ve had to make a payment to Stripe as someone claimed a payment they made was
fraudulent.
I messaged the buyer, but no answer. It was only a small purchase but stripe
are charging me £15 admin fee, so I’m a bit put out.
I can’t note the buyer as NPB as they did pay - but claimed the money back through
their bank/ stripe.
Where can I warn others of this fraudulent account? Is it only in their feedback?
With feedback rating of 0, I know i kind of opened myself up to this but regardless,
that account needs shutting now.
Thanks in advance,
Martin
OtterBricks
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| | | | | Author: | Brettj666 | | Posted: | Jul 22, 2022 02:30 | | Subject: | Re: Order claimed as fraudulent | | Viewed: | 72 times | | Topic: | Problem Order | |
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| if someone paid, then took the money back, they didn't pay. File a NPB,
then you can leave negative feedback
In Problem Order, OtterFlosser writes:
| | Help please,
I’ve had to make a payment to Stripe as someone claimed a payment they made was
fraudulent.
I messaged the buyer, but no answer. It was only a small purchase but stripe
are charging me £15 admin fee, so I’m a bit put out.
I can’t note the buyer as NPB as they did pay - but claimed the money back through
their bank/ stripe.
Where can I warn others of this fraudulent account? Is it only in their feedback?
With feedback rating of 0, I know i kind of opened myself up to this but regardless,
that account needs shutting now.
Thanks in advance,
Martin
OtterBricks
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| | | | | | | Author: | WhiteHorseMatt | | Posted: | Jul 22, 2022 03:47 | | Subject: | Re: Order claimed as fraudulent | | Viewed: | 74 times | | Topic: | Problem Order | |
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| In Problem Order, Brettj666 writes:
| | if someone paid, then took the money back, they didn't pay. File a NPB,
then you can leave negative feedback
|
I'm in the exact same situation. It's not possible to set the payment
back to none. You can only go back as far as bounced. You can't start an
NPB from there.
I have ended up out of pocket £20 for an order for 40p of parts.
Matt
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| | | | | Author: | kazland | | Posted: | Jul 22, 2022 04:15 | | Subject: | Re: Order claimed as fraudulent | | Viewed: | 85 times | | Topic: | Problem Order | |
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| In Problem Order, OtterFlosser writes:
| | Help please,
I’ve had to make a payment to Stripe as someone claimed a payment they made was
fraudulent.
I messaged the buyer, but no answer. It was only a small purchase but stripe
are charging me £15 admin fee, so I’m a bit put out.
I can’t note the buyer as NPB as they did pay - but claimed the money back through
their bank/ stripe.
Where can I warn others of this fraudulent account? Is it only in their feedback?
With feedback rating of 0, I know i kind of opened myself up to this but regardless,
that account needs shutting now.
Thanks in advance,
Martin
OtterBricks
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I’ve stopped accepting Stripe payments. When I went on my account I could see
all the attempted payments (I only used to use it for Bricklink) and some got
through. Then I got an email from stripe about a suspected fraudulent payment
that had got through and suggested I refund or face a penalty charge. When looking
closer it was for a user in Ukraine and a payment card in the States. Due to
the situation in Ukraine I didn’t even try to contact the user (who by now had
some negative feedback and subsequently was shut down) but refunded and heard
nothing more. As I had already shipped the order I just put it down to a small
loss and stopped using Stripe.
I guess reporting the user to Admin and leaving a negative for good measure if
they are not responding to your message. Sorry you’re losing out for doing nothing
wrong.
Kazland
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| | | | | Author: | Stuart9 | | Posted: | Jul 22, 2022 04:20 | | Subject: | Re: Order claimed as fraudulent | | Viewed: | 69 times | | Topic: | Problem Order | |
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| Sorry to here this, sad such people live this way.
In Problem Order, OtterFlosser writes:
| | Help please,
I’ve had to make a payment to Stripe as someone claimed a payment they made was
fraudulent.
I messaged the buyer, but no answer. It was only a small purchase but stripe
are charging me £15 admin fee, so I’m a bit put out.
I can’t note the buyer as NPB as they did pay - but claimed the money back through
their bank/ stripe.
Where can I warn others of this fraudulent account? Is it only in their feedback?
With feedback rating of 0, I know i kind of opened myself up to this but regardless,
that account needs shutting now.
Thanks in advance,
Martin
OtterBricks
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| | | | | Author: | iprice | | Posted: | Jul 22, 2022 04:32 | | Subject: | Re: Order claimed as fraudulent | | Viewed: | 88 times | | Topic: | Problem Order | |
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| In Problem Order, OtterFlosser writes:
| | Help please,
I’ve had to make a payment to Stripe as someone claimed a payment they made was
fraudulent.
I messaged the buyer, but no answer. It was only a small purchase but stripe
are charging me £15 admin fee, so I’m a bit put out.
I can’t note the buyer as NPB as they did pay - but claimed the money back through
their bank/ stripe.
Where can I warn others of this fraudulent account? Is it only in their feedback?
With feedback rating of 0, I know i kind of opened myself up to this but regardless,
that account needs shutting now.
Thanks in advance,
Martin
OtterBricks
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I'm confused - why would you have to pay an admin fee for an alleged fraudulent
transaction? You weren't responsible. Why should you be out of pocket as
a result?
I understand the bank wanting the payment money returned, but charging you an
admin fee makes zero sense to me. I'd write to the banking ombudsman about
this.
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| | | | | | | Author: | yorbrick | | Posted: | Jul 22, 2022 04:58 | | Subject: | Re: Order claimed as fraudulent | | Viewed: | 112 times | | Topic: | Problem Order | |
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| | |
I'm confused - why would you have to pay an admin fee for an alleged fraudulent
transaction? You weren't responsible. Why should you be out of pocket as
a result?
I understand the bank wanting the payment money returned, but charging you an
admin fee makes zero sense to me. I'd write to the banking ombudsman about
this.
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It is their (stripe) dispute fee.
Once a cardholder initiates a dispute, it is no longer possible to avoid the
fee. However if you win the dispute, Stripe will refund this dispute fee to you.
If a card has been used fraudulently then the first a seller hears about it is
a dispute, and at that time they are almost guaranteed to have lost the money
when the card is refunded, the goods if posted and the £15 dispute fee which
stripe takes. I doubt sellers will ever win a dispute over a card initiated chargeback,
whether they posted the items or not since the card owner did not place the order.
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| | | | | | | | | Author: | TheBrickGuys | | Posted: | Jul 22, 2022 12:16 | | Subject: | Re: Order claimed as fraudulent | | Viewed: | 49 times | | Topic: | Problem Order | |
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| | |
It is their (stripe) dispute fee.
Once a cardholder initiates a dispute, it is no longer possible to avoid the
fee. However if you win the dispute, Stripe will refund this dispute fee to you.
If a card has been used fraudulently then the first a seller hears about it is
a dispute, and at that time they are almost guaranteed to have lost the money
when the card is refunded, the goods if posted and the £15 dispute fee which
stripe takes. I doubt sellers will ever win a dispute over a card initiated chargeback,
whether they posted the items or not since the card owner did not place the order.
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What a ridiculous amount to charge for that fee! It would be one thing to charge
a euro or 2 but 15?? That is just plain greed. Knowing this now, I will never
use Stripe.
Jim
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| | | | | | | | | | | Author: | jennnifer | | Posted: | Jul 22, 2022 12:20 | | Subject: | Re: Order claimed as fraudulent | | Viewed: | 56 times | | Topic: | Problem Order | |
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| In Problem Order, TheBrickGuys writes:
| | | |
It is their (stripe) dispute fee.
Once a cardholder initiates a dispute, it is no longer possible to avoid the
fee. However if you win the dispute, Stripe will refund this dispute fee to you.
If a card has been used fraudulently then the first a seller hears about it is
a dispute, and at that time they are almost guaranteed to have lost the money
when the card is refunded, the goods if posted and the £15 dispute fee which
stripe takes. I doubt sellers will ever win a dispute over a card initiated chargeback,
whether they posted the items or not since the card owner did not place the order.
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What a ridiculous amount to charge for that fee! It would be one thing to charge
a euro or 2 but 15?? That is just plain greed. Knowing this now, I will never
use Stripe.
Jim
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I agree! Taking back the payment is one thing. Charging a seller for fraud on
the buyer's side? Who are they kidding?
Jen
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| | | | | | | | | | | Author: | yorbrick | | Posted: | Jul 22, 2022 12:40 | | Subject: | Re: Order claimed as fraudulent | | Viewed: | 56 times | | Topic: | Problem Order | |
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| In Problem Order, TheBrickGuys writes:
| | | |
It is their (stripe) dispute fee.
Once a cardholder initiates a dispute, it is no longer possible to avoid the
fee. However if you win the dispute, Stripe will refund this dispute fee to you.
If a card has been used fraudulently then the first a seller hears about it is
a dispute, and at that time they are almost guaranteed to have lost the money
when the card is refunded, the goods if posted and the £15 dispute fee which
stripe takes. I doubt sellers will ever win a dispute over a card initiated chargeback,
whether they posted the items or not since the card owner did not place the order.
|
What a ridiculous amount to charge for that fee! It would be one thing to charge
a euro or 2 but 15?? That is just plain greed. Knowing this now, I will never
use Stripe.
Jim
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Yeah, they have a standard dispute fee one all types of disputes, and it is £15
whether their staff needs to look at any evidence or not. I think they set it
reasonably high to make it punitive so that sellers tend to just accept any complaints
made and refund, rather than have to pay the dispute fee and gamble that they
have enough proof to overturn any complaint.
If someone says they didn't get a £15 item, is a seller going to risk another
£15 on contesting it? Probably not.
But in the case of a CC chargeback, yes, ouch! There seems to be no way of a
seller knowing that it is not an authorised transaction. I thought that is what
these payment processors were meant to do. But it seems not.
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| | | | | | | | | Author: | eileenkeeney | | Posted: | Jul 23, 2022 18:40 | | Subject: | Re: Order claimed as fraudulent | | Viewed: | 71 times | | Topic: | Problem Order | |
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| In Problem Order, yorbrick writes:
| | It is their (stripe) dispute fee.
Once a cardholder initiates a dispute, it is no longer possible to avoid the
fee. However if you win the dispute, Stripe will refund this dispute fee to you.
If a card has been used fraudulently then the first a seller hears about it is
a dispute, and at that time they are almost guaranteed to have lost the money
when the card is refunded, the goods if posted and the £15 dispute fee which
stripe takes. I doubt sellers will ever win a dispute over a card initiated chargeback,
whether they posted the items or not since the card owner did not place the order.
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So basically they profit if you lose the dispute and the buyer wins the dispute.
This seems like they have incentive to side with the buyer.
I got a refund through paypal (not for bricklink) that I requested after reading
a seller (for a product advertised on facebook) had a very low trust rating.
But then later I did receive the product and I felt bad. I suspect they shipped
when paypal requested the shipment information. When I tried to contact them
about resubmitting the payment the answers were in Chinese and didn't translate
to anything that made sense to me.
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| | | | | Author: | oaktree | | Posted: | Aug 26, 2022 09:53 | | Subject: | Re: Order claimed as fraudulent | | Viewed: | 64 times | | Topic: | Problem Order | |
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| I'm in the process of disputing a Stripe chargeback now, too. Never had to
even once in over 22 years on PayPal. In any case, I see that Stripe does offer
Chargeback protection (https://stripe.com/radar/chargeback-protection) for 2-cents
or 0.04% per transaction. They claim "we’ll cover the disputed amount and waive
any dispute fees—no evidence submission required". Seems like something that
would easily pay for itself, assuming it works as advertised.
In Problem Order, OtterFlosser writes:
| | Help please,
I’ve had to make a payment to Stripe as someone claimed a payment they made was
fraudulent.
I messaged the buyer, but no answer. It was only a small purchase but stripe
are charging me £15 admin fee, so I’m a bit put out.
I can’t note the buyer as NPB as they did pay - but claimed the money back through
their bank/ stripe.
Where can I warn others of this fraudulent account? Is it only in their feedback?
With feedback rating of 0, I know i kind of opened myself up to this but regardless,
that account needs shutting now.
Thanks in advance,
Martin
OtterBricks
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| | | | | | | Author: | oaktree | | Posted: | Aug 26, 2022 09:57 | | Subject: | Re: Order claimed as fraudulent | | Viewed: | 51 times | | Topic: | Problem Order | |
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| Oops, that's 0.4%, not 0.04% per transaction. Still probably worth it.
In Problem Order, oaktree writes:
| | I'm in the process of disputing a Stripe chargeback now, too. Never had to
even once in over 22 years on PayPal. In any case, I see that Stripe does offer
Chargeback protection (https://stripe.com/radar/chargeback-protection) for 2-cents
or 0.04% per transaction. They claim "we’ll cover the disputed amount and waive
any dispute fees—no evidence submission required". Seems like something that
would easily pay for itself, assuming it works as advertised.
In Problem Order, OtterFlosser writes:
| | Help please,
I’ve had to make a payment to Stripe as someone claimed a payment they made was
fraudulent.
I messaged the buyer, but no answer. It was only a small purchase but stripe
are charging me £15 admin fee, so I’m a bit put out.
I can’t note the buyer as NPB as they did pay - but claimed the money back through
their bank/ stripe.
Where can I warn others of this fraudulent account? Is it only in their feedback?
With feedback rating of 0, I know i kind of opened myself up to this but regardless,
that account needs shutting now.
Thanks in advance,
Martin
OtterBricks
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| | | | | | | | | Author: | peregrinator | | Posted: | Sep 9, 2022 10:59 | | Subject: | Re: Order claimed as fraudulent | | Viewed: | 38 times | | Topic: | Problem Order | |
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| In Problem Order, oaktree writes:
| | Oops, that's 0.4%, not 0.04% per transaction. Still probably worth it.
|
It would raise Stripe's fees to be on par with PayPal's.
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| | | | | Author: | OtterFlosser | | Posted: | Sep 9, 2022 10:36 | | Subject: | Re: Order claimed as fraudulent | | Viewed: | 59 times | | Topic: | Problem Order | |
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| Thanks all for your comments/ advice/ fellow whinging.
The good news is that I disputed the claim, sent proof of order, etc and I've
just received the total amount (including the dispute fee) back from Stripe.
Took them a while, but they did say it might.
Thanks again, this forum is great.
Martin
OtterBricks
In Problem Order, OtterFlosser writes:
| | Help please,
I’ve had to make a payment to Stripe as someone claimed a payment they made was
fraudulent.
I messaged the buyer, but no answer. It was only a small purchase but stripe
are charging me £15 admin fee, so I’m a bit put out.
I can’t note the buyer as NPB as they did pay - but claimed the money back through
their bank/ stripe.
Where can I warn others of this fraudulent account? Is it only in their feedback?
With feedback rating of 0, I know i kind of opened myself up to this but regardless,
that account needs shutting now.
Thanks in advance,
Martin
OtterBricks
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| | | | | | | Author: | Nubs_Select | | Posted: | Sep 9, 2022 10:42 | | Subject: | Re: Order claimed as fraudulent | | Viewed: | 57 times | | Topic: | Problem Order | |
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| | Congrats on the win! Don’t forget to celebrate with pizza! |
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| | | | | | | | | Author: | OtterFlosser | | Posted: | Sep 9, 2022 10:56 | | Subject: | Re: Order claimed as fraudulent | | Viewed: | 41 times | | Topic: | Problem Order | |
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| Naturally.
Though, I'm sure you mean 'all the pizza' 
Martin
OtterBricks
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| | | | | | | | | | | Author: | Nubs_Select | | Posted: | Sep 9, 2022 11:06 | | Subject: | Re: Order claimed as fraudulent | | Viewed: | 61 times | | Topic: | Problem Order | |
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| In Problem Order, OtterFlosser writes:
| | Naturally.
Though, I'm sure you mean 'all the pizza'
Martin
OtterBricks
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United Kingdom, Wales
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United Kingdom, England
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