(Resolved) Dispute @AbdouMotDz

[tiwari49]

1) Proof that the transaction began on BHW: https://www.blackhatworld.com/seo/my-aged-stripe-account-your-business-sales.1627775
2) Proof of Contact: Screenshots below.
3) Summary of Dispute:

I came upon this guy thread that he have aged stripe account with instant payouts enabled. So i contacted him because we were looking for someone like that to process our high volume because these accounts are not suspended by stripe if there is high volume.

At first he was asking for 30% commission which is impossible for us as we do not make that much profits. We offered him 10% and after a while we gave him a final offer of 11.5% which he agreed upon.

He did not had any vouches or guarantee so i told him that i will start sending small amounts first and once i start receiving payouts from you on time i will increase the volume. After that i integrated his stripe into my website and he received $240 on his stripe. I removed his stripe account after that and asked him for payout.

Now comes the part where he start behaving fishy. He said that he will only pay me $115 because there was negative balance in his stripe before i started using it. I asked him how his negative balance is my issue? Then he replied that "i am just being a dick." After continues argument we came upon conclusion that he will not deduct any commission from my payouts until his total commission gets equaled to the negative balance.

I had to agree to this because he was keeping my money hostage. I asked him to send me $115 and i shared transferwise email with him. After that he started ignoring me and stopped replying me even though he was bumping thread on bhw and changing his DP on telegram.

Today he replied me and said that his wise account is on hold and after that he started accusing me that I used fake cc's on his stripe. Most of my payments came from customers who used apple pay and link. But this guy just wants to scam me so he started accusing me even though i literally asked him to enable stripe radar and enable 3d secure before the integration. Also my transactions had 0 risk score on stripe.

BHW Mods, you can share your email with him and ask him to add it to the Stripe team in his account to check my transaction risk score and everything. I can share the transaction ID's which went to his stripe.

Evidence of the Issue: (Post screenshots or video evidence of the issues you encountered with the other party)

Screenshots with explanations below.

What you hope to gain from this Dispute Resolution: (State whether you wish to receive a refund or a replacement)

I want my payout which is $240 - stripe fee (Around 6%) - 11.5% (His commission) = $198

 

[tiwari49]

Now he deleted his chat history on telegram after i posted chat screenshot on his thread.

https://www.blackhatworld.com/seo/my-aged-stripe-account-your-business-sales.1627775/post-18066652

 

[BassTrackerBoats]

Dispute Request Approved​

Information For The Accused
@AbdouMotDz - you have 24 hours to respond to this disputes thread. If you do not respond within 24 hours or we note that you're engaging in any other activities on the forum rather than dealing with this dispute, the decision will be made in favour of the dispute starter and you will be permanently banned from Black Hat World. In the event that you're permanently banned from the forum, you may send in a support ticket using our support channel only once you've refunded and/or provided what the plaintiff has requested.

If your responses to this dispute do not remain prompt, your account will be banned.

Information For The Accused & The Dispute Starter
Please remain professional as name calling, insults, griping, tu quoque, and ad hominem will not be tolerated. Should the dispute starter resort to this, the dispute will be forfeit; and if the accused resorts to this, the dispute will automatically be in the dispute starter's favour.

If the focus of this thread shifts from trying to resolve the dispute to simply wanting to see the other party banned, the dispute will automatically be ruled in favour of the other party.

The moderator mediating this dispute is simply trying to fair a resolution to this dispute. Any mod abuse or accusations (e.g., "you're biased", "you're protecting scammers", etc) directed toward the moderator will not be tolerated and may result in an infraction for mod abuse.

Information For Other Members
If anyone else has the same issue with the accused, you may respond so long as you supply evidence in the form of screenshots, videos, etc.

Please bear in mind Dispute Resolution section rule #4 before responding.

"If you are not directly related to the situation, or are not offering information directly related to the situation: do not post in the thread. Anyone caught doing so will receive an infraction and be reply banned from posting in the thread."

Information For Everyone
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[AbdouMotDz]

First of all the money indeed got held by Wise because I never received money from a US business account to my wise account, and here is the proof:

Socond thing If I was to scam him I wouldn't negociate the percentage, and I never ignored his messages, that time he thinks that I ignored him I was sleeping and waiting for the money to be transfered from my Mercury bank that is linked to my Stripe to Wise which he choosed to be paid using it.

Now let's come to his website, the website he linked has 0 traffic whatsoever even tho I asked him before starting about how do you advertise and get clients just to confirm he has a legitimate business so he refused to answer.

After receiving a few payments I went to the transaction page and I saw so many incomplete payments, so I started worrying about my account and I revoked his access and refunded all the transactions, here's the proof:

Refunds:

I can give access to my Stripe account to confirm the refund.

And about the chat history, I never deleted it and I have nothing to delete it for, he either deleted the chat himself so he can mislead you and to support his false accusation or he was activating the self-distracting mode so the chat got deleted after 24h.

If there any other proof that is needed to be provided by me, I'll be much happy to provide it.

 

[tiwari49]

Refunds:

I can give access to my Stripe account to confirm the refund.

First of all, I never asked him to refund. His stripe had negative balance even before i started using it. If he have refunded these transactions then his stripe balance is negative again and the money didn't go out of his pocket anyway. And even if it did went out of his pocket I don't care because this is not what we had a deal of.

After receiving a few payments I went to the transaction page and I saw so many incomplete payments, so I started worrying about my account and I revoked his access and refunded all the transactions, here's the proof:

This is a complete lie. He was ready to send me my money and never raised any concerns about my payments. But after his Wise account got locked 24 hours later, he started making excuses about my payments.

And Incomplete transaction means that customer didn't even try to pay. Incomplete does not mean failed. But he is just making all the excuses he can to save himself.



And I specifically asked him to enable Stripe Radar (which prevents fraud) and 3D Secure (which also prevents fraud) and all my payments went to his Stripe after he enabled them. Also all the transactions which went to him were paid by customers who used Apple Pay and link and had risk score of only 0-5 (lowest possible on stripe).

 

[AbdouMotDz]

First I'm not gonna ask permission from you to refund stolen money.

That's the first payment to stripe to cover the negative balance (that was yesterday) so that's a response to the money is still in my pocket accuse.




Using Apple Pay to pass payment with stolen CCs for scammers isn't that hard these days.

Now I want mods to verify the legitimacy of his business & clients before moving forward.

 

[tiwari49]

Same excuses again.

Mods, here are some reasons which prove that his accusation doesn't make any sense:

1. How come stripe radar showed 0 risk score in almost all of my payments if the money was stolen?
2. He only started accusing me of processing stolen money after his wise account got locked 24 hours later. Before that he was ready to pay me out (Screenshot attached in previous reply)
3. If I intended to process stolen money through his Stripe account, why would I have asked him to enable Stripe Radar and 3D Secure before integrating his stripe? (Screenshot attached in previous reply)

BHW Mods, if you need any more proof, please get access to his stripe account and check my transactions risk score and everything else. I can share the transaction ID's which went to his stripe. Let me know. thanks.

 

[AbdouMotDz]

Sales already refunded to their original payees as shown above. Waiting for mods to confirm this.

 

[tiwari49]

No one asked him to refund. He is just repeating the term "refund" to save himself. I want my payout which is $240 - stripe fee (Around 6%) - 11.5% (His commission) = $198. That's what we had the deal of.

 

[AbdouMotDz]

No one asked him to refund. He is just repeating the term "refund" to save himself. I want my payout which is $240 - stripe fee (Around 6%) - 11.5% (His commission) = $198. That's what we had the deal of.

I just did some research on what he was exactly doing, he was using a method called Apple Pay Carding to pass his payments through my Stripe account, and that's why all his payments were made from Apple Pay.



The funny part is that he's insisting on getting the money he doesn't originally own, truly shameless.

I'm done dealing with him, waiting for one of the mods to mediate.

 

[tiwari49]

I am truly surprised at his excuses now. He did "research" and mentioned something which I have already spoken about in my original post that my customers paid using Apple pay and Link and had risk score of 0 on stripe. What in the world is "Apple pay carding" ? He is just making stuff up now. This guy had no issue with the payments until his wise got locked and asked him for verification 24 hours later and then suddenly he started with these false accusations. Every proof is attached in my previous replies.

 

[BassTrackerBoats]

Apple pay carding is a real thing but there is no proof that is part of this situation.

Wise locks accounts but that is not the fault of the accuser, nor their responsibility, but that is on the accused.

Incomplete payments means nothing more than the buyer didn't follow through with the purchase.

Starting a deal with someone that has a negative balance in their Stripe account for them to take payments on your behalf makes no sense at all and boggles my mind as the account already had issues.

As to using someone else's Stripe, PP, or any other Merchant account, that is not even close to good business practices.

@AbdouMotDz, how much did you refund? Please share screenshots of that.

 

[tiwari49]

Apple pay carding is a real thing but there is no proof that is part of this situation.

Wise locks accounts but that is not the fault of the accuser, nor their responsibility, but that is on the accused.

Incomplete payments means nothing more than the buyer didn't follow through with the purchase.

Starting a deal with someone that has a negative balance in their Stripe account for them to take payments on your behalf makes no sense at all and boggles my mind as the account already had issues.

As to using someone else's Stripe, PP, or any other Merchant account, that is not even close to good business practices.

@AbdouMotDz, how much did you refund? Please share screenshots of that.

Fresh stripe account can't handle high volumes and have risk of getting suspended. That's why there are many posts in BHW where people ask for aged accounts.

I never asked him to refund. Customers already received the service and this guy was going to send me the money until his wise got locked. After that he started all the excuses.

He transferred funds from his own physical bank to wise. if his wise got locked how is that my issue?

Please check risk score of my transactions on his stripe account and one of my customer also paid using Link, not all the payments came from apple pay. Apple pay is very popular payment method in US and Europe so most payments come from that. Any basic stripe user knows this.

Also my customers passed 3D secure verification even if they paid using apple pay because I asked him to enable that before I integrated his stripe in the website (proof attached in my previous replies)

I started dealing with him even though his balance was negative because his Stripe account had $200K in volume, but those payments were made before 2019. And he said that negative balance is on him.

 

[AbdouMotDz]

@BassTrackerBoats I refunded all the transactions he made on my account, so total is $240:

Let me know if you want access to my account to confirm that.

 

[BassTrackerBoats]

@BassTrackerBoats I refunded all the transactions he made on my account, so total is $240:

Why?

They were clean transactions and now the accused is out of his pocket selling something without getting their money.

 

[AbdouMotDz]

They weren't clean to me, considering all payments initiated using Apply Pay were specious. I provided proof of refund but I didn't see a proof of service delivery as he claimed, this can be easily solved with his clients if he really have them.

 

[BassTrackerBoats]

They weren't clean to me, considering all payments initiated using Apply Pay were specious. I provided proof of refund but I didn't see a proof of service delivery as he claimed, this can be easily solved with his clients if he really have them.

They were clean... you assumed they were not without any proof.

And you should have spoken to the accuser as to refunding before doing so as that is their money (minus your commission of course).

 

[BassTrackerBoats]

After reviewing everything multiple times it is clear to me that the refunds were done without going through proper protocols.

@AbdouMotDz, you owe @tiwari49 $240.00 minus your commissions.

A word to the wise here, don't allow others to use your merchant accounts (Stripe, Paypal, Etc) and don't use others' merchant accounts as things can go South real fast.

As the one who uses someone's merchant account, you don't know who controls the accounts and are relying on a complete stranger to handle your funds, and as the one allowing them to use your account you don't know if they are selling products, services, soft drinks or drugs.

Both ends of these kinds of deals are very poor business practices.

 

[BassTrackerBoats]

@AbdouMotDz, you have been online since the decision.

When are you going to pay him?

 

[BassTrackerBoats]

Dispute Summary​

The accused has been permanently banned from Black Hat World for failing to resolve this dispute.

The dispute thread will remain live and is now open to commentary as rule 4 is no longer enforced in this thread.

Thread Open For Commentary​