[boh]

No that's not how that works. This stuff is a non-event. You refute the balance, they have a period where they can defend their claim (8/10 times they don't), you get your money. This is a very basic transaction that happens every single day to every major company. "Banning" you costs more than your refund and has additional legal risks.

I know being helpless against tech companies is a major trope in these comments but this is basic everyday transaction stuff. Plan on being on hold with your credit card company but not being a central target for a trillion dollar AI startup because you asked for a $100 refund.

[notatoad]

I can tell you first-hand (from the side doing the banning) that you’re wrong.

You’re not going to get an email telling you that you’re banned. Your payments will just start being declined, and they won’t be able to help you. They’ll suggest you try another card. That won’t work either.

Maxmind includes a “chargeback risk score” in the api response for everybody who uses their minfraud service. They’re not doing that because companies don’t use it.

[boh]

In any case if anybody has gotten this far in the thread just refute the charge. It's totally fine and Anthropic won't break your legs.

[mothballed]

Yeah unless you refute ebay.

A scammer went to the trouble of creating an entirely different ebay account registered to literally "pirate[xxxxx]@..." using my same name. Then they found a tracking number to my same zip code. Then they bought (fake) items from a second scammer account using my stolen credit card to "wash" the money.

When I filed a chargeback ebay came back with a fat stack of paperwork and absolutely fucking buried me. They had the tracking number to "me", they had "me", they had the invoices to "me", they had my credit card, and their lengthy report had all the right words in all the right places and dressed up in all the right banking mumbo-jumbo and they convinced my bank so well that my bank suggested I was a fraudster myself and then my bank closed my accounts. I couldn't even sue them because at that precise time I moved cross country and couldn't get to the court to sue them in. I ended up eating the better part of $1000.

Ebay is absolutely fucking savage at chargebacks. They appear to have people trained specifically to bury in paperwork anyone that tries to challenge fraudulent charges.

[boh]

I'm sorry that happened to you, but that's a <1% event. I don't know why I'm getting push back for suggesting a simple credit card refute request. It's almost as if the people responding are suggesting not doing anything is the way to go or you'll get banned--which of course, regardless of how many one off stories people may have--is a ridiculous assumption.

[mjcl]

I can believe that, the "eBay stalking scandal" article on Wikipedia is insane.