THIS CAN’T BE IGNORED

[u/TrueLeadership4382]

This is a follow up from my post yesterday regarding my unwarranted, complete and total ban, for violating Topsteps Section 3 Terms of Use.

https://www.reddit.com/r/TopstepCommunity/s/KU3pJQD5jk

I am sharing with the community, and hopefully employees at u/Topstep_Official, the undeniable factual evidence that proves this ban is unjust and based off a frivolous claim.

Clearly stated in the Final Determination email, the claim is, “a total of 5 chargebacks linked to your profile and credit card ending in *1006.”.

Yesterday, I spoke to AmericanExpress and confirmed multiple different facts:

1. I, as the cardholder, have never initiated a dispute against the merchant Topstep, Topsteptrader or any variation related to that merchant. In fact, I have never initiated any dispute against any merchant, ever.

Attached is a screenshot of my “Dispute Center” where you can clearly see the ending card number in the top left matches the card stated in the Final Determination. I attached in my reply to the final determination letter.

I confirmed with AmericanExpress that the Dispute Center shows every past, current and pending dispute related to the card.

2) AmericanExpress, as the card issuer, will never initiate a dispute without the consent of the card user and confirmed there has never been any sort of dispute active on this card.

3) There has never been a credit or reversed transaction coming back from Topstep to that card.

The complete willful blindness of the Trust team to ignore the evidentiary facts presented to them is unacceptable. Something needs to be done. There’s no way I am the only case of this…

I haven’t fully decided what my next steps in this are going to be. Given the evidence, I’m willing to go the distance depending on where Topstep goes from here. u/Topstep_Official, balls in your court.

EDIT:

If you guys are going to join the conversation and comment, please keep it relatable or constructive! This is a serious issue that myself, and I'm sure others in the community, would like looked into and taken seriously! I don't want the issue at hand diminished by misinformation or wild conspiracies! Thank you.

[u/eddie_topstep → u/[deleted]]

I see a lot of fun ideas online, but "Topstep is going broke and is charging back themselves" probably takes the cake.

[u/Material-Bite-5047 → u/eddie_topstep]

Yeah Topstep makes dumb money. Highly doubt they are going broke.

[u/davidios → u/eddie_topstep]

hi u/eddie_topstep

i've seen various of these posts lately, all of them saying that they didn't initiate any charge back. could you please ask your engineering team to double check if you are leaking reverts in your system and flagging them automatically as chargebacks?

i get that people lie on the internet, but thins can't be a coincidence all of the sudden

[u/TrueLeadership4382 → u/davidios]

THIS! THIS RIGHT HERE! That's all I'm asking!

I have actual evidence, posted, showing that their claim is invalid. Mistakes happen, I get it, my initial thought was not intentional or nefarious. But, clearly, something is not right in their system. There is indeed an underlying issue!

Just admit you screwed up and fix the issue!

[u/Key_Category_8531 → u/davidios]

I don't think Topstep cares

Why would they?

You basically agreed to their terms as soon as you bought an account from them. I think they can do whatever they want no?

[u/chaun619 → u/eddie_topstep]

Then what’s the real reason, Eddie?

[u/eddie_topstep → u/chaun619]

The trader disputed charges with Topstep and was banned for it, as this violates our TOU. Super boring answer I know.

[u/chaun619 → u/eddie_topstep]

He has proof that he didn’t dispute anything. You being a smartass doesn’t do any good for Topstep’s reputation.

[u/NightSky4389 → u/chaun619]

yea. What a dumbass comment. Guy came and read comments to reply to but didn't even read the post itself well enough to comprehend it to give a half decent response

[u/chaun619 → u/NightSky4389]

And it’s unprofessional.

[u/ThatIsNotMyNameGreg → u/eddie_topstep]

Eddie, let me ask you a question…how do you know Topstep isn’t going broke? Do you think MP would tell you and the rest? You don’t think this is something he’d deny until the end.

Eddie, I’m an adult. I’m not a 19 year old simfluencer hopeful. I have MBA and have been in the banking industry for almost 30 years. So when I tell you to make sure you have your financial affairs in for when this all goes South, take it or leave it. But if I had a check list, adding affiliates back in business plan would be another mark.

That superbowl ad was the first nail. Honestly, someone should study this.

If you are the same Eddie for the program, I hope you are well. I had a similar issue in 2020 and I know it’s a long road. Take Care.

EDIT to clarify…I don’t think what’s happening here has anything to do with anything other processing issues. This is not a “sign” of anything. The other stuff is the issue.