There is a lot of conjecture in this thread. As TheSwed points out however, if the OP had actually received funds from a company for a legitimate purpose (such as traffic/sales), and those funds were refunded from their account due to fraudulent activity, shouldn't the person who originally sent the funds, then resend them?
It is the same example as if somebody pays you with a bad check that will bounce. You do not expect the bank to cover the bad check and you do not claim the bank stole your money, it is the person that sent you the bad check that needs to send you the money again.
When funds are found to be fraudulent, we refund them from the fraudulent accounts. If, however, those fraudulent funds are sent to legitimate users for legitimate purposes, then Paxum swallows the loss and does NOT extract those payments from those accounts, we simply refund the money ourselves.
For example:
Say an affiliate program has 10 webmasters to pay each month. He has funds in his account that are found to have been deposited fraudulently. Some of those funds have already left his account and have been sent to his webmasters via P2P, for payment for their traffic/sales. In situations like this, the money that the affiliate program has sent their affiliates is NOT claimed back. Paxum honors those payments and simply deducts the additional expense from the issuing account, resulting in a negative balance for the issuing account. This then equals a loss to Paxum, since those funds will likely never be recovered.
There is also conjecture in this thread that the fraud was 2,3, or perhaps even 4 people away from the OP. This is incorrect, as there was a direct connection.
The ONLY people who suffered ANY loss of funds in this situation were the fraudulent account-holders, and Paxum. No webmasters, or legitimate account-holders were affected in any way.
We can go around and around in circles on this topic, it can be twisted to the left, to the right and on its head, but the facts will NEVER change. Fraudulent activity will NOT be tolerated, and we will not accept those types of transactions in our system.
@signupdamnit - You're thinking of FINTRAC. Here is our listing -
http://www10.fintrac-canafe.gc.ca/ms...19556-eng.html