1,052 karma · joined January 5, 2012
When it's easily verifiable that actual fraud has taken place I would say yes. It would've taken them literally 5 minutes of their time to investigate by going to the website, seeing it presents itself as a retail furniture store, and to go through the checkout process and seeing that it ends up at a form for a personal transfer, and that no goods ever end up being delivered, all of which clearly indicate the transaction is 100% intended to be fraudulent by the supposed seller.
He had to do a chargeback with his credit card company and got his money back that way, but of course PayPal banned his account in response.
Dave Terms of use section 9.3:
"However, Dave warrants that it has no legal or contractual claim against you based on a failure to repay an Advance, but Dave will not provide you further Advances while any amount remains unpaid under the Advance Service. With respect to a failure to repay an Advance, Dave warrants it will not engage in any debt collection activities, place the amount owed with or sell to a third party, or report you to a consumer reporting agency. "
Empower Terms of Service dated Dec. 8th 2021 Section "Empower Advance"
"We offer Empower Advances on a nonrecourse basis. This means you have no unconditional obligation to repay any Empower Advance. Consequently, we warrant to you that we have no contractual or legal claim against you for an Empower Advance, and we will not engage in debt collection activities, place the amount advanced with or sell to a third party, or make any reports to credit reporting agencies regarding your Empower Advance. However, we reserve the right to deny you access to Empower Advance if you (i) do not meet the qualification requirements, (ii) request an excessive number of Empower Advances in succession, or (iii) do not repay the full balance of an Empower Advance. "
MoneyLion Instacash Help Center - Instacash - " What happens if I can't make my Instacash repayment?"
" Remember that you have no obligation to repay any Instacash advance you receive but you won’t have access to additional Instacash advances until you have repaid all of your previous advances and related Tips and Turbo Fees. It's important to know that when you miss a payment, we will continue to attempt to repay your Instacash advance and any related Tips and Turbo Fees from your eligible accounts as long as your payment authorizations for those accounts remain active. You can withdraw the payment authorizations on your accounts or debit cards by following the prompts in the MoneyLion App to remove the payment method or by contacting customer service at customercare@moneylion.com, 1-801-252-4427, or at ML Plus LLC, Attn Customer Service, P.O. Box 1547, Sandy, UT 84091-1547. Please note: You must notify us at least three (3) business days (business days are Mondays through Fridays, excluding bank holidays) before your scheduled repayment date to give us and your financial institution sufficient time to process the revocation."
So my guess would be Amazon doesn't take returns on giftcards in the first place.
So if anything he respects and likes the famously gay person, so wouldn't characterize that as homophobic.
Won't speak to the anal sex reference because I haven't read the whole thing yet.