She admitted that since she is too young to own a debit or credit card, that she was using her mother's credit card to pay for commissions and a dA membership. During the course of this week, I kept in contact with Inderfinity and she has replied to my notes and answered most of the questions I sent to her. I wrote to PayPal and explained in detail what happened I provided screenshots of the notes that Inderfinity sent when she ordered the commissions, the feedback she gave me when I completed the commissions, a link to my TOS, and a file attachment of the completed commissions. PayPal opened up three cases, as Inderfinity had commissioned me twice, and I had 10 days to respond to the cases to defend myself and provide any evidence that I could to prove that the buyer had received what they wanted. The reason for this sudden drop was that either Inderfinity or her mother had contacted their credit card company and claimed that the purchases they made were unauthorized. It's very important information for artists who do PayPal/money commissions.Įarlier this week, on September 3rd, I logged into my PayPal account and found that my balance was suddenly at -$67.36, when before the balance was at $0. I implore all of you to read the journals that I linked at the bottom of this, if you haven't before seen them. If you already know the real details about my situation, then feel free to skip down to the advice section. It's a stressful situation and it's even worse when you don't have any idea what to do, so for the sake of the community and other artists, I'm making this journal. So, for this journal, I'm first going to go into details on what happened to me (I realize that I told some of you already in detail on what happened, in the comments, but not all of you), and then I'm just going to share some helpful journals and advice on how to avoid chargeback situations and what to do if you fall victim to it. I'm making a new journal as the other one is messy. However a chargeback happens, you can regain access to your account by paying the balance (unless you’ve been perma-banned for multiple chargebacks).Hey everyone. If a single Riot Account has multiple chargebacks, Riot has the right to perma-ban that account.Fraud alerts and Requests for Information (where the cardholder or card-issuing bank verifies the authenticity of a transaction) may be treated as chargebacks.If a chargeback occurs on a gifting transaction, both the Riot Account sending the gift and receiving it will be suspended.You may be able to regain access to your account by repaying the amount owed (more info on that below). Your Riot Account will be suspended once a chargeback occurs.To combat potential fraud, Riot has a few rules in regards to how it deals with chargebacks: If you’ve lost access to your account due to someone making purchases from it, submit a ticket and we’ll do what we can to help. Or, you may have made a purchase through a third party, and they later reversed the payment. If you don’t remember reversing the payment, the bank or credit card owner may have done it for you. A chargeback happens when a bank reverses a purchase of in-game paid currency made from your account.
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