I fucking hate this shit.
Especially when the retailer does it. Like wtf dude, why do they care if its someone spending their money legitimately, or if its stolen, they get money either way. Is this some weird “we stopped fraudsters” PR campaign?
I’m wondering if the “@protonmail” or just non-Google emails they hate.
Btw: fuck Uber for that one time (about a year ago) when they blocked my account when I needed the return-ride. Wtf. Lyft worked fine for the return trip, fucking Uber lol
Chase routinely flags my phone bill that I’ve been paying to the same company for 5+ years as “potentially fraudulent” and doesn’t allow the purchase to go through.
However, they didn’t flag a $900 purchase on Chipotle gift cards on the other side of the country as potentially fraudulent and I had to file with them and wait for them to complete an investigation.Retailers do it because they pay a penalty when a chargeback happens and payment processors will cut ties with them if their fraud rate is too high.
It’s happened 2 times in my many years of adulting.
First, tried to buy a laptop with shipping address different from billing address. Called them and confirmed I was not a scammer.
Second, bought propane at a gas station, then tried to buy gas. I’m guessing multiple purchases at a gas station indicates stolen card about to run a scam.
The merchant gets charged back for fraud which is why they care.
The merchant gets charged back for fraud which is why they care.
Question: So, I once got an email from a company’s customer service and they said to use Paypal instead of the card. Is Paypal safer for the merchant if it turns out that the buyer is a fraudster?
Search “paypal chargeback”
It seem like if the actual card owner find out that a fraudster used their card via paypal, they have two chances at a chargeback, once through paypal, and another with their bank. So I’m no sure why I was told to use Paypal… clueless CS representative? 🤷♂️
Never with “everyday” purchases. The two times it happened to me were a VST plugin and a game engine license.
(I’m also in the US with a nonwhite name.)
Never.
Damn, lucky. I feel like some retailers just fucking hate me. I have a non-white name, and I’m in the US, so… I’m kinda suspecting that they just hate immigrants or something… 🤔
Edit: I meant like: I think they use some AI “Fraud Detection” and my name got flagged because the training data they used for the AI were with American names, and so my name looked “suspicious” to their AI.
Twice. Once when I was buying large appliances which I basically never do and a call to my bank cleared that up, and once trying to buy a video game directly from the company (instead of say through steam or gog) and going in to the bank fixed that.
I’ve been using protonmail basically since its inception for money-related stuff (due to it being secure), and the one time I’ve had a fraud flag appear while using it was due to being on a VPN at the same time.
… But I’ve had that also happen when I used to daily drive Gmail, so I can’t imagine the Proton part made the difference.
Obviously anecdotes aren’t very good evidence, and maybe in your experience it was your email - but if that is the case, I’d be weary of any provider that automatically flags non-“big tech” addresses as fraudulent. That likely means they’re rather lazy about their cybersecurity.
It happens to me every time at dispensaries and strip clubs. I guess it’s pretty obvious why.
Never. Not even when I saw fraudulent charges on my statement and reported them to my bank.
Only happens when I order something twice in quick succession
I’ve had it happen when buying gift cards online from Costco. Definitely annoying
Haven’t had it happen yet…
