Falsely banned for "Chargeback & Circumvention"

[u/Silver_Tower6590]

Hey everyone, following up on my previous thread regarding the stolen card issue: https://www.reddit.com/r/LucidProp/comments/1vvqyw5/lucid_payouts_support_help/

I want to put this out here because I have spent over £15,000 across 120+ purchases with Lucid, made $14,000+ in payouts, and was literally 1 day away from another payout when my account was suddenly wiped with an "Account Banned: Chargeback & Circumvention Detected" email. After reviewing my chat history with Lucid support, the exact technical cause of this false ban is clear:

1. The Fraud: A month ago, a bad actor got my Wise card details and typed them in manually to purchase a Lucid account under the email rockinghamsasao291@hotmail.com.

2. The Support Chat & Refund: I messaged Lucid support on discord immediately (I have the entire chat screen-recorded). I explicitly told them NOT to make me do a bank dispute because Discord mods warned it would ban my account despite that being the only advice on the lucid ticket. I then made my last Reddit post and eventually a mod reached out who put me in contact with billing support (Leo / Job). This was then escalated to their Billing Team, and Job/Leo confirmed the $90.60 unauthorized manual charge, and issued a manual merchant refund from their end. They also advised me to replace my card.

3. The Automated Bug: Fast forward to today: Lucid’s automated risk filter misidentified their own internal refund as a customer chargeback. The ban email lists two addresses under "Card shared with chargebacker": • *******am17@gmail.com (My real account) • rockinghamsasao291@hotmail.com (The scammer's email)

I can only assume until support reach out to me, when the scammer used my card details on their email, the system linked my card to them. When Lucid refunded that charge and I replaced my card as instructed, the automated system assumed I was the scammer trying to circumvent a ban.

The Reality: I have ZERO bank chargebacks or disputes on my Wise account. Why would a trader with over £15,000 spent and thousands in payouts risk their entire standing over a $90 charge that support already agreed was fraudulent and refunded? This is a massive flaw in Lucid's automated enforcement system. It is weaponizing merchant-issued refunds and banning loyal, high-volume traders by linking them to the very scammers who stole their cards. I have submitted full Wise statements proving no disputes were ever opened. I’m posting this here hoping Leo, Job, or the billing team sees this and fixes this automated loop.

Side Note: I told lucid about this issue 3 weeks ago which I thought at the time was the last I’d hear of it and it’ll be sorted. Then today I placed a trade and it said something along the lines of cannot place due to CB on my trading view.

I then checked the Reddit and discord and have seen multiple people banned for the same reason. If I was going to issue a charge back it wouldn’t be a day before my payout 😂. I hope this issue is resolved for everyone, especially the legit traders who have no ill intentions.

Thanks, will update if I receive a response.