Quote:
Originally posted by DamageX
So basically, if it somehow appears that I've committed fraud, all the funds in my account would be returned to the ones who sent them, thus I'd lose everything, regardless of being thought to be honest or fraudulent? If yes, then I guess the next question is obvious: How well protected am I against epassporte staff mistakenly closing my account, for what they'd think is fraud I committed? I know this shouldn't be the case, but both you, Rand and Chris mentioned mistakes. I'd hate the hassle of having to go through the judicial system in order to be able to recover funds rightfully owned by me, just because of an overly-zealous risk management employee.
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You're attempting to oversimplify this, or perhaps just put words in my mouth, since you have asked me the same question about five different times now between the two threads. I'm going to try and answer it for you again, and if you've still got questions, by all means post them or email me if this is something specific to your account. Include your account name in the email if you go that route.
No one person in risk management would ever just up and close an account and start sending money back up the ladder. The investigation process is something that starts with program flags and then moves to humans for review.
If a situation arises like the one that has come up this time, there are many people involved in the decision making process and there is hard evidence involved before any action besides the suspension is taken, thus Chris' comment regarding legal action.
Fraud is not something we take lightly, nor is it something we suspect each account holder of doing, unless certain flags in the process are raised and we then begin to investigate.
Rand has stated previously that client communication may sometimes be less than stellar in the case of suspended accounts, but as any program owner or processor will tell you, when you have a potential or confirmed case of fraud, the last thing as a company you want to do is to inform the cheaters just how you caught them, since they will then attempt to adjust their cheating to circumvent your fraud control methods.
There are people that have thousands of dollars in their accounts regularly and have no worries about their money. There are also, I'm sure, those that clean out their accounts regularly and put their money somewhere else. This is an individual choice and one I have no opinion on.
At this point, I think I've answered your question about as clearly as possible, but I'll reiterate my point one last time -- if we have tangible proof that an account holder is committing fraud, we will take action to stop the fraud from occurring and money does not sit in our system unclaimed.