I received a text alert about a possible fraud last night.
The alert asked me to ring my credit card provider ASAP to verify the payment, so I did.
“Hello”, I said after entering my name, date of birth, mother’s maiden name and inside leg measurement, “you alerted me to a possible fraud”.
“Yes we did”, said the helpful person on the other end of the phone. “Is it?”
“Is it what?” I say.
“Is it fraudulent”, they say.
“I don’t know”, I say. “Who is the payment being made to?”
“Braintree”, they say.
“Braintree?” I say.
“Yes, Braintree”, they say.
“Well that’s no help”, I say. “Braintree is PayPal?”
“What?” the CSR (Customer Services Representative) says.
“Braintree is PayPal”, I say.
“I have a telephone number if you want to speak to them”, says the CSR.
“That’s no use”, I’m getting frustrated, “as I am calling you”.
“No problem sir”, pleads the CSR, “I’ll put you through”.
And with that, they transfer me to the telephone number for Braintree.
“Hello Braintree, how can I help?” says the new CSR.
“Urmmm, I’m not sure. I have a payment on the system.”
“Ah yes sir, what for?” asks the CSR.
“Well, I don’t know. That’s why I’m calling you”, I ask.
“So what is this payment?” they reply.
“It’s for $900 on my credit card”, I reply.
“And who is this payment being made to?” they ask.
“I have no idea.”
“You have no idea?”
“No, please tell me who I’m paying $900 to on my credit card via Braintree”, I plead.
“Urmmm, we don’t know that information sir”, they tell me.
“Well if you don’t know that information and my credit card provider doesn’t, how am I supposed to tell you if it’s fraudulent or not”, I prod.
“I don’t know sir”, they reply.
I could go on, but you get the idea.
The call went on like this for another ten minutes between my credit card provider and Braintree and, purely because I’m a payments guy, I could at least state that it might be a PayPal payment, as Braintree is owned by PayPal.
However, neither my credit card provider nor Braintree could tell me who the payment was being made to.
As a result, I have no idea whether it should be authorised or not.
Something is remiss here, but neither Braintree nor my credit card provider could tell me anything about this payment.