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Yes I've seen some shady stuff. Usually you'll see other shady stuff from a program doing that because just fucking with the refunds isn't enough for them. Why stop there if you're already a scumbag? They will often screw with shaving, leaks, shady cross sales or things like raising the minimum payment to $500 or making you request a payment each time even though it's supposed to be automatic. That's why you usually end up better off when you jump ship at the first sign of shadiness.
From what I understand it's easy for almost any program to do this one way or another. Bottom line is either you trust them or you don't. If you don' then go elsewhere unless you're making enough where it's worth it and you can take the risk. Another tip is to keep track of the refund % and when comparing stats make sure you factor in the refunds when comparing earnings or ratios.
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