Definition: Refund Fraud occurs when you purchase products like designer clothing, electronics etc legitimately after getting them shipped to your drop, u file for refund claiming the item was not received (DNA), Defective or was not as described.
If refund goes through successfully, you should get to keep products and get money spent refunded to your credit or debit card used.
Best part about this type of fraud, is that its way harder for business to detect and prevent because transactions are legitimate so no fraud detection features fucking up play since there is no Carding.
Scope: Refund fraud affects a lot of industries, especially e-commerce ones, u can hit retail and service providers but it’s definitely not worth the effort coz most methods used only work for online shopping.
Businesses lose billions annually. There are peeps who use refunds for legitimate purposes, this is great for us because we get to blend in with their refund requests.
If online merchants like Apple, Dior, BestBuy etc... stop allocating refunds for products shipped their online sales will fall significantly. Unlike Carding Refunds are here to stay!!!
Historical Evolution:
As is stated before, Unlike Carding Refunds are here to stay!!! Refund fraud started being popular with the rise of e-commerce in the late 90s and early 2000s, The convenience of online shopping made it easier for peeps to make purchases and later on request refunds. Most were probably legit but few most def were fraudulent since there were no policies put into place to verify the legitimacy of the claim.
As technology and policies advanced to detect the fraud, refunders adapted leveraging mobile payments and digital wallets to create new avenues for refund fraud.
Economic Impact:
The economic impact of refund fraud on businesses is multifaceted and significant. There are legitimate claims though so its part of the game, but most financial losses happen when refunds are granted for fraudulent claims.
Additionally, most businesses adapt with tech so they do invest heavily and implement advanced fraud detection systems + spend a lot on staff aka Customer Service Rep who deal with refund request. This for sure adds to their operational costs.
Let’s be honest though they will put the cost onto us ‘Consumers’ and not take it as a loss.
Key Terminologies in the World of Refunds
- Friendly Fraud: Happens when you purchase items legitimately then claim for either chargeback or refund. The merchant knows you basically thinking you are a loyal customers aka friend.
- First-Party Fraud: Another term for refund fraud, which occurs with the original cardholder, they essentially can’t blame a third-party aka carder.
- Chargeback: A transaction reversal initiated by the cardholder's bank, often as a result of a dispute or fraudulent claim.
- False Claims: The misleading or false information provided by customers to justify refund requests.
- Fraud Detection Tools: Software and systems designed to identify and prevent fraudulent activities, including refund fraud.
- Transaction Monitoring: The process of tracking and analysing transactions to detect unusual patterns or behaviours that may indicate fraud.
- Customer Verification: Methods used to confirm the identity and legitimacy of customers making refund requests.
- Refund Policy: The set of rules and conditions under which a business will grant refunds to customers.
- Repeat Offenders: Customers who engage in refund fraud multiple times, targeting various businesses.
- Consumer Protection Laws: Legal frameworks that govern refund policies and practices to protect consumers from unfair practices.
REFUND TACTICS: EXPLOITING VULNERABILITIES
There are different methods and techniques we can use to exploit Customer Service Reps, Anti-Fraud and Business policies which deal with refund fraud.
If you want your refund to go through understanding these tactics is key to your success.
Common Methods used in Refund Fraud include:
DNA (DID NOT ARRIVE):
DNA occurs after purchasing products and getting them shipped to your drop, after taking delivery of the products we claim that we didn’t receive the purchased item so we can attain refund or replacements.
Key Strategies Used in DNA:
Package Interception: We exploit carrier services and reroute or intercept delivery before they reach our addy.
Method: Taking advantage of services like USPS Package Intercept or FedEx Delivery Manager we can redirect packages to a different addy or hold them at a Warehouse where our Nigger works. We can then take delivery of the package and claim we never received it.
False Claims of Non-Delivery: No cap just we just straight up Lie about not receiving the package, even when tracking information confirms delivery to our addy.
Method: All carriers usually mark shipments as "delivered" (e.g., left at a doorstep, delivered to a neighbour, or signed for by someone else). This is our main advantage, since we going to exploit the lack of direct proof of receipt to claim non-delivery.
Exploiting Delivery Vulnerabilities: Working with our Nigger let him run up and steal the package outright and bring it back, we essentially taking advantage of porch piracy or mail theft as a cover.
Method: We going to claim that our package was stolen from the porch or mailbox, using these common issues as an excuse to request a refund or replacement. Since we colluded, with a YN we can send video from ring as proof of theft.
EB (EMPTY BOX):
EB occurs after receiving products at our addy, we claim that we received an empty or tampered package in order for us to obtain refunds, replacements or duplicate items.
This method exploits trust in delivery systems, we going to manipulate packaging to hide that we straight up stole our own contents.
Key Methods Used in EB
Package Tampering: We going to carefully open the package don’t tear that shit up, remove contents and close it back up making it appear like we didn’t open shit.
Method: Get help from your bitch or someone with small hands to help reseal the package they can use tape / glue, if need be, in order to make it look untampered. After it looks clean like ain’t no nigga opened that shit up we then submit photos of the "empty" package to support our claim.
False Claims of Empty Delivery: We going to emphasize that the box was empty upon arrival, even if the contents were stolen by porch pirates or lost in transit.
Method: We going to place our blame on poor packaging or carrier mishandling for the empty delivery, after we removed the contents and resealed that shit backup.
Collusion with Third Parties (HARDER): If my Nigger is willing, we can stage theft or he intercepts package before we document an "empty" delivery.
Exploiting Packaging Flaws: We can take another alternative method, using damaged or lightweight packaging as "proof" that the item was never inside.
Method: We claim that the box was crushed or damaged during transit, making it appear as though the item was never inside. We can use lightweight packaging to support our claim that the box was empty.
PEB (PARTIALLY EMPTY BOX):
PEB (Partially Empty Box) involves us straight up lying that product delivered contained only some of the ordered items, that’s after we removed the ones we like from the package. This method helps us keep part of our order and receive refund or replacements for the "missing" items.
Key Strategies Used in PEB
Selective Item Removal: Unlike empty box we don’t have to be cautious on how we open the package so most def tear that shit up and remove high-value or shit you like from the package while leaving lower-value items intact.
Method: As stated earlier on, we just going to be removing shit we like from the package, such as electronics or high-value accessories, and then straight up lie that those shit were never included in the package. We can reseal the box to make it appear untampered and take a video if u want full deniability.
Exploiting Multi-Item Orders: We can order multiple products and take advantage of orders with multiple SKUs (Stock Keeping Units), doing this makes our plan foolproof as this makes it more difficult for the businesses, we defrauding to prove every item was packed.
Method: We straight up lie that certain shit came up missing from our multi-item order, let’s say for example "I received the Sauvage Elixir but not the makeup for my bitch." This method exploits how hard it is to verify each item in a multi-item order.
Tampering with Packing Slips: After removing certain shit from the package, we going to alter or throw away packing slips coz this the only way to hide evidence that we removed items.
Method: If you is a scamming ass nigga who knows tech, you can modify packing slips to make it appear as though certain items were never included in the order or discard them entirely if u can’t photoshop or print slips. Don’t try claim shit is missing from your order and show packing slips u just snitching on urself.
Blaming Shipping Errors: You straight up lie to Customer Rep that the seller or warehouse "forgot" to include certain items, even though the you stole that shit.
Tactic: When you lying about your shit, try blaming shipping errors or warehouse mistakes for the missing items, doing this makes it hard for the business to prove otherwise. We also gonna send Customer Rep false evidence to support our claim like the altered packing slip.
LIT (LOST IN TRANSIT):
Most def this method LIT, we straight up lying as we always do, that our package was lost during shipping, doing this helps us secure refunds or replacements while retaining our shit. This strategy exploits gaps in delivery tracking, carrier errors or delays. In order to prove we ain’t capping we gonna support our lies with fake evidence.
Key Strategies in LIT
Package Interception or Diversion: Similar to DNA, we will be taking advantage of the same services like USPS Package Intercept or FedEx Delivery Manager so we can redirect packages to a different addy or hold them at a Warehouse where our YN works. We can then take delivery of the package and claim we never received our shit.
Fake Tracking Information: If you have FTID connect u can easily get counterfeit tracking numbers or have your carrier status updates manipulated (e.g., "label created but never shipped") having this shit helps support our straight up lie that the item was never dispatched.
Exploiting Carrier Delays: This method isn’t easy to take advantage coz we going to blame legitimate transit delays (e.g., weather, holidays) to rashly claim package is lost, we know that shit going to arrives later.
Collusion with Third Parties: If you have inny or that YN working at your local warehouse or carrier, you can tell em to mark your shit as "lost" after you can pick that shit over from him. It’s hard getting Inny tho.
False Non-Delivery Reports: What I like about Refunds is we straight up lying all the time. In this tactic it’s our word against the carrier, we gonna claim package is lost despite tracking showing delivery, our main point of argument will be that carrier misplaced it after final scans.
This usually works best if YN steals that shit right off your porch after carrier does his scan.
PAYPAL UA (UNAUTHORIZED TRANSACTION):
Personally, I like doing refunds with PayPal using credit cards or other payment methods work but nothing compares to PayPal. With this tactic we gonna lie like we always do, after purchasing items we gonna file a claim with PayPal that transaction was made without their consent, we doing this to secure refunds while retaining our shit.
This method exploits PayPal’s buyer protection policies, which prioritize consumer rights, leaving sellers with the loss while we keep our shit and cash spent refunded.
Key Strategies in PayPal UA Fraud
False Account Compromise Claims: We going to assert that our PayPal account was hacked by some Patel Indian Nigga, even though we authorized that shit. Easy claims I usually go with is My PC got infected with malware or I got phished etc...
Exploiting Buyer Protection Policies: As stated from the beginning PayPal is the shit, we going to file disputes as "unauthorized transactions" knowing well PayPal sides with buyers unless sellers provide robust proof of legitimacy.
Collusion with Third Parties: Most def going to use YN WIFI, Addy for delivery, PC setup etc... to cover up ploy, don’t do this shit from your regular PC u just going to make it easier for PayPal to prove u actually made the purchase.
This method sucks coz its a one-time thing, so I would suggest hitting up multiple merchants and max out your shit after that just claim all transactions were unauthorized. If u actually going to be upgrading your gaming PC setup and phones etc... this is the best time.
Since u get to keep your upgraded shit and get refund coming through from PayPal down the line.
FAKE TRACKING IDENTIFICATION (FTID)
FTID (Fake Tracking ID) if you see niggas refunding designer clothing, gaming laptops, iPhones etc... anything high value this the sauce they using no cap.
We mostly gonna be manipulating shipping labels, tracking data, or package integrity to deceive automated systems.
This method exploits weaknesses in logistics and refund systems, enabling us to trick some dumb ass retailers to issue refunds without us actually returning products.
FTID V1: Basic Empty Box
The Empty Box is not similar to same name EB, we won’t be claiming we didn’t receive shit.
V1 EB involves us shipping an empty box, instead of putting products we returning. With an unaltered return label. This tactic exploits retailers’ using automated refund systems, bots are dumb if u know how to exploit em.
After we ship them empty box, their system will be triggered by the scan of the return label without verifying the contents of the package.
Purchase and Return Initiation:
• We going to purchase that iPhone 16 from Apple, coz I know your broke ass still on 7.
• After we receive the iPhone at our addy we initiate the return process, and request return label from Apple.
Shipping the Empty Box:
• Go smoke some weed and wait on Apple to send you the return label.
• I know your broke ass feining for that iPhone, so instead of packing it inside the box, we going to close that shit empty and ship it with the return label.
Refund Issuance:
• Apple will scan the return label on our empty box, upon receipt of the package.
• ‘’Assuming’’ the package contains the returned item; apples automated system will issue us refund.
• After getting that refund confirmation from Apple, you got that green light to open the box that’s if u still on 7, or resell that shit easy for some low stacks.
The primary loophole in this method is the lack of physical inspection protocols. Many retailers rely solely on automated systems to process returns, which can be easily manipulated.
This lack of manual verification allows us to ship empty boxes and still receive refunds.
NB: Most retailers been catching up with our shit they often check weight of package, u can put in some rocks or if u willing cloned iPhone from Ching Chong.
FTID V2: Data Stripping
V2 method involves us manipulating our return label, we gonna finesse the system by removing personal and metadata info such as name, address, order specific data and company name from the shipping label, only shit we gon leave intact is the tracking barcode.
This technique takes advantage of disconnected tracking systems that fails to link package we sent to our corresponding order coz we removed necessary shit from label.
Purchase and Return Initiation:
• Same shit as V1 we going to order another iPhone 16 from apple, I’m tryna upgrade your whole fam YN.
• After we receive the iPhone at our addy we initiate the return process, and request return label from Apple.
Label Manipulation:
• Your ass feining, go smoke some crack and wait on Apple to send over the return label.
• Pay attention young blud, we going to remove or obscure the personal and order metadata from the label, leaving only the tracking barcode intact. Don’t fuck up Tracking
Shipping the Package:
• Don’t include the iPhone inside dumb ass put some other shit to fill up the box, after ship the package with the manipulated label.
• Works done on your end after you send that package over, Apples tracking system will scans the barcode but cannot link it to the original order due to the missing metadata.
Refund Issuance:
• Apples system, won’t be able to verify the contents or the origin of the package, but will still issue refund based on the scanned barcode. That’s why you don’t fuck up Tracking
• After getting that refund confirmation from Apple, you got that green light to open the box and upgrade your fam, or resell that shit easy for some low stacks.
The primary loophole in this method is the disconnected tracking systems that fail to link packages to their corresponding orders.
You basically taking advantage of retailers tracking systems, which relies solely on the barcode without verifying the associated metadata (Name, Address and Company Name).
NB: Most retailers been catching up with our shit same as V1, they will send over Tamper-Proof Labels which use encrypted QR codes or RFID tags with embedded order metadata.
You just have to test it out and see from each retailer what type of Return Label they ship.
FTID V 3: Address Manipulation
Same shit as V2 but different, V3 involves us manipulating our return label. We will be replacing the warehouse address on shipping label to nearby businesses ware house address with the same ZIP code (e.g., a Walmart in the same ZIP code as Apple).
The business you ship the package to have to accept it, so don’t ship to random warehouse, they won’t accept yo shit and carrier gon mark package ‘’undelivered’’ which gives you 0 success on refund payout.
This technique takes advantage of carriers’ routing algorithms that rank ZIP codes, this enables us to get our package marked as "delivered" even though it will never reach the intended destination.
Purchase and Return Initiation:
• Same shit as V1 AND V2 shit will always be the same, we going to order another iPhone 16 from apple, I’m tryna upgrade your whole fam YN we already got 2 of em.
• After we receive the iPhone at our addy we initiate the return process, and request return label from Apple.
Address Alteration:
• Lay off that fent tho YN, and wait on Apple to send over the return label.
• We will be altering the warehouse address on the label to a nearby business with the same ZIP code (e.g., a Walmart, BestBuy etc..).
Shipping the Package:
• I repeat, don’t include the iPhone inside dumb ass put some other shit to fill up the box, after ship the package with the manipulated label containing warehouse address.
• Same shit different toilet, after you send that package over the carrier marks the package as "delivered" upon dropping it off at the nearby business.
Refund Confirmation: Apples system, seeing the delivery confirmation, will issue a refund to your account.
The primary loophole in V3 method is the ZIP code prioritization in routing algorithms. Carriers rely heavily on ZIP codes for routing, so most def some packages will get misrouted to nearby addresses which use the same ZIP code.
This method allows us to manipulate warehouse addy, send some shit instead of iPhone inside the package and still get delivery confirmations.
FTID Version 4: Decoy Flyer
V4 uses the same principle applied on V3, you should use this for international shipments not regional refunds.
The Decoy Flyer Method involves using single side print flyers with an advertisement on it, then placing the return label with manipulated warehouse address on the other side. Doing this helps us bypass customs inspections for international shipments by making the packages appear less suspicious.
Purchase and Return Initiation: SAME SHIT
Label Creation: Prints flyer with advertisement on one side, then print return label on the other side with manipulated warehouse address.
Shipping the Package: Ship package with the decoy flyer label, carrier gon process that shit as commercial material, without detailed inspections.
Delivery and Refund: Package gon get delivered to the warehouse in same vicinity as retailers, same shit as V3. Don’t be a dumbass and include retailers’ original warehouse addy.
The retailer's system, seeing the delivery confirmation, will issues refund and you get to keep the original item and refund.
The primary loophole is customs focus on commercial looking materials. Customs inspections often prioritize shit that appear to contain commercial goods, having promotional or advertising materials makes your package look legit.
If your package had return label only, that shit gon get inspected real quick.
FTID Version 6: Package Sabotage
Easiest FTID method is V6, ain’t much work in this shit, u basically just going to severely damage your package (e.g., crushing or soaking them) to trigger carrier disposal while still showing a "delivered" status. This technique exploits carriers' prioritization of speed over thorough forensic checks.
Purchase and Return Initiation:
Package Sabotage:
• After receiving the return label from retailer
• We severely damage the package containing the item, making it appear unfit for delivery (e.g., crushing it or soaking it in water) whatever nasty shit you can come up with.
Shipping the Damaged Package:
• We gon ship the damaged package with the return label make sure its visible.
• The carrier, will inspect the package and determine your nasty shit ain’t fit for delivery and disposes of it.
Delivery Confirmation:
• The carrier will mark our shit package as "delivered" in the system, assuming it has been disposed of properly.
• The retailer's system, seeing the delivery confirmation, will issue refund to our account.
The primary loophole in this method is carriers' prioritization of speed over thorough forensic checks. Carriers focus on quickly processing and delivering packages, which leads to insufficient inspection of damaged aka our shit package.
Sabotaging our shit allows us to receive delivery confirmations.
Automated Refund Triggers
If you have been paying attention you should have noticed, that many retailers employ automated systems to manage refund requests efficiently, streamlining the process and reducing the need for manual intervention.
These systems are designed to issue refunds based on specific, predefined criteria, with one of the most critical data points being the tracking status that’s why shit like FTID works well.
If the tracking information indicates that the package has been delivered, the automated system automatically triggers a refund. This criteria-based decision-making process allows for quick and efficient handling of refunds, as the system relies on the tracking data to determine the outcome without requiring further human involvement.
There are other FTID methods (V5, V7, V8, V9 &V10) out there, you should get the picture though on how refund fraud works, its way easier than carding.
REFUND FRAUD USING REFUNDER
Example:
I legitimately purchase from
https://www.apple.com iPhone 16 Pro Max 1TB Black Titanium = $1,599.00 with a card that I own (VCC or Self Registered CashApp etc...) after waiting I get the iPhone shipped to my address.
# NO CARDING USE REAL DEBIT / CREDIT # DON’T OPENT IPHONE UNTIL REFUND CONFIRMATION!!
Next step after receiving the iPhone I contact (REFUNDER) and forward him details used for purchase.
Name
Email Address
Phone Number #
Billing and Shipping Address
Order Number #
Order Total
# DON’T SEND OVER YOUR CARD DETAILS NOOB THAT’S AN EASY WAY TO GET SCAMMED.
Waiting time depends on the method used by the refunder usually Instant others takes days or weeks.
After waiting you should get refund confirmation from
https://www.apple.com stating that your refund is being processed and funds should be refunded to original payment method after 1-2 business days.
Wait 1-2 Days you should get $1,599.00 refunded to your credit / debit account.
You can now use the iPhone or sell it for some decent profits.
What’s the catch? You pay Refunder 15%-25% for his services. In our case iPhone 16 = $1,599.00 (15%) = $239.85.
Best shit about this method is # NO LOSSES!! If refund doesn’t go through u get to return the product legitimately. That’s why you don’t open boxes or resell items unless you get email confirmation.
SITES YOU CAN DO REFUNDS.
STORE LIMIT ITEMS TIME FRAME
AMAZON $10,000 2-3 1-3 DAYS
APPLE $3,000 1 2-3 DAY
LENOVO $10,000 1 INSTANT
META $2,000 2 1-5 DAYS
PS DIRECT $1,000 2 1-5 DAYS
RING $5,000 10 1-5 DAYS
SAMS CLUB $5,000 2 INSTANT
BLOOMINGDALES $3,000 3 1-2 WEEKS
NEIMAN MARCUS $2,000 5 1-3 WEEKS
SAKS FIFTH $5,000 2 1 MONTH
THIS IS A SMALL LIST THERE ARE OTHER PLENTY SITES U CAN HIT
01-20-2025, 02:56 PM
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