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
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.
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? 🤷♂️
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.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.
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.
Never. Not even when I saw fraudulent charges on my statement and reported them to my bank.
Some 20 years since I moved from home and I’ve never been flagged.
Only happens when I order something twice in quick succession
It happens to me every time at dispensaries and strip clubs. I guess it’s pretty obvious why.
I’ve had it happen when buying gift cards online from Costco. Definitely annoying
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.)
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 rarely happens. It most often happens when traveling. FYI if you plan to travel you can typically inform your card company or bank ahead of time to avoid this.
Occasionally I have had it trigger when I’m at an event or convention where there are multiple vendors from out of state. Going from one to the other rapidly seems to trigger automatically.
I’ve never not been able to reverse it with a three minute phone call. Yes I can be annoying. But I’d rather be annoyed once every other year than have to deal with getting my money back.
Keep in mind fraud on a credit card is often really easy to deal with. But if someone takes money from your debit card, banks often take much longer to investigate and return the money. Whereas a credit card company will reverse the transaction on your card immediately and then investigate.
Going from one to the other rapidly seems to trigger automatically.
Well, that must suck for people living on the border…
I would imagine systems are a bit more adaptive than that, especially these days. I’ve had it happen when two vendors are a ways apart in origins. Like Colorado to Illinois.
Haven’t had it happen yet…
