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To be clear, my bank was not getting suspicious, at least according to them. Three banks filed a case with my bank for a chargeback due to a fraudulent transaction. How this should have worked, I have no idea. Somehow I should have forced those buyers to make a payment to me? This didn't make any sense since I traded with two of them again at a later time.
I'm sure at least two buyers didn't file a case with their bank against me, they confirmed this with me over chat on HH. The Peach user was fraudulent, so he might have filed a case with their bank against me. This is what Peach wrote in their letter:
As further evidence of Mr. XXX’s fraudulent behavior, there is the fact
that this person has previously been involved in (and lost) 7 disputes with other users on ourplatform. In Annex 3, the frauder uses another identity, here after revealed.
These three transactions were roughly ~10k EUR.
My bank did decide on a full account block because it was three different payments that were flagged, not just one. The bank is in full control, they never gave me any details on what I did wrong and what kind of case these other banks had against me.
I plan to file a complaint with the bank and potentially also request compensation. If anything comes out of that I will post that at a later time.
everyone knows here that the LN is the solution.
And of course is better to use a custodial wallet for a beginner who manage small amounts that paying 10$ fee.
In fact I guess having high fees is good to try to kill this nonsense.