Resolve a credit card fraud dispute and reclaim fraudulent gains from benefactor

[patcon]

This involves a pair of users I'll call User X and Org Y

User X signed up for an account by linking a vacant and new GitHub account. They connected a credit card and initiated a weekly gift of $65/week to Org Y. The credit card ran for 2 weeks (Mar 20 & 27 paydays), with all gifts going to Org Y.

In the following weeks, the card stopped working, presumably after being reported stolen:
https://dashboard.balancedpayments.com/#/marketplaces/MP12Xw5lL6iaILtqImIoroDL/cards/CC5syyPAssIaZLBDVbtEeWC4

On May 11th & 28th, we received 2 disputes via Balanced for the 2 weeks that went through:
https://dashboard.balancedpayments.com/#/marketplaces/MP12Xw5lL6iaILtqImIoroDL/activity/disputes

As I said, Org Y seems reputable, and I don't think they had anything to do with the fraudulent charges. However, they have a rather large balance on their Gittip account, held in escrow. I think we should voluntarily refund the outstanding disputed transactions on Balanced, and then pull back the money from Org Y on Gittip, letting them know that we've done so.

Suggested Measures

• Refund these disputed charges via Balanced:
  • https://dashboard.balancedpayments.com/#/marketplaces/MP12Xw5lL6iaILtqImIoroDL/disputes/DT5nxa9vkXQXJYD64UP9aUEZ
  • https://dashboard.balancedpayments.com/#/marketplaces/MP12Xw5lL6iaILtqImIoroDL/disputes/DTED4jMAlqgYafBYDuNQuZO
• Let Org Y know what has happened, and politely confirm that they think it's fair for Gittip to reclaim the fraudulent charges to cover our refund.
• Take back from Org Y the $130 in ill-gotten gains :)
  • CENSORED [evidence only viewable by admins]

cc: @whit537

[patcon]

Follow-up: Can we release the name of User X here? The context is required for admins to see who Org Y is.

[chadwhitacre]

★★★

[chadwhitacre]

I pulled the money back from Org Y.

I tried doing a refund in Balanced but hit an error message. I emailed Balanced support about it. See FD450.

[chadwhitacre]

In the note for the retraction from Org Y I directed them to support@gittip.com with questions.

[chadwhitacre]

Turns out that Balanced (no longer?) allows refunds in the case of a dispute, to avoid double refunds.

[chadwhitacre]

Closing the book on this one.