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Fraud Prevention & Legal Enforcement

Zero Tolerance for Fraudulent Activities
Whispart employs advanced fraud detection algorithms and maintains a strict zero-tolerance policy regarding "Friendly Fraud" (Chargeback Fraud), Wardrobing (buying, using, and returning), and Malicious Returns.

We reserve the right to refuse service, ban accounts, and pursue legal action against any individual suspected of abuse.

1. Chargeback Fraud & Identity Theft

Under U.S. Federal Law (18 U.S. Code § 1029 - Fraud and related activity in connection with access devices) and (15 U.S. Code § 1644 - Fraudulent use of credit cards):
It is a federal crime to knowingly make false claims to a credit card issuer to obtain a refund for merchandise that was accurately described and delivered.

  • Consequences of False Chargebacks:
    If a customer files a dispute (chargeback) with their bank for a validly delivered order (e.g., claiming "Item Not Received" despite GPS delivery proof, or claiming "Defective" without providing proof):

    1. Lifetime Ban: Your email, IP address, shipping address, and credit card billing details (last 4 digits) will be permanently blacklisted across our network and shared with third-party fraud prevention databases (e.g., Signifyd, NoFraud).

    2. Collection Agency: The disputed amount, plus a $50 administrative penalty and all legal fees, will be forwarded to a third-party Collections Agency. This will negatively impact your Credit Score (FICO) and credit history.

    3. Legal Reporting: We file Internet Crime Complaints with the FBI (IC3.gov) for interstate commerce fraud involving transactions over a certain threshold.

2. Malicious Intent & Return Abuse

We track return patterns. Customers with an excessive return history or those who return items that have been intentionally damaged or altered will be flagged.

  • IP & Device Tracking:
    We utilize device fingerprinting technology to log the IP Address, Device ID, and Geolocation of all orders. This data serves as forensic evidence in the event of a dispute.

  • Mail Fraud:
    Returning a different item (e.g., an empty box, a different painting, or a damaged-on-purpose item) constitutes Mail Fraud under 18 U.S. Code § 1341. Whispart cooperates fully with the United States Postal Inspection Service (USPIS) to investigate such claims.

3. Video Surveillance of Fulfillment

To protect our customers and our integrity, all outbound shipments are video-recorded during the packing process at our Los Angeles facility.

  • In the event of a "Missing Item" or "Wrong Item" claim, we will review the HD video footage of your specific order being packed.

  • If the footage confirms the correct item was shipped, your claim will be denied, and the footage will be submitted to your bank and federal authorities as evidence of attempted fraud.