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Fact for me: if a dispute is raised by stripe it doesn't matter if user contacts bank or not, I'll lose, every, damn, time.
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stripe I contact individual, they admitted it was a mistake, reported back to bank, I reported full email convo to Stripe, and yet I still lost.
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stripe Bottom line: if you/I am relying on the bank to report back to Stripe to show payment is legitimate, it'll lose and *cost me money*.