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I would like to file a financial claim regarding my exchange with Ex-Money. I created a T-Bank RUB USDC order using the English version of the website. The form asked for my card number, sender’s name and simply a “Phone number”, with no indication that this number had to be linked to my T-Bank account or SBP. I entered my own T-Bank card details and my own valid phone number, and paid from that same card, which I had already successfully used for previous exchanges with Ex-Money. The payment was processed by T-Bank as a successful QR-code purchase. The receipt clearly identifies the debit account and transaction details, so the source of funds is fully traceable and a refund can be returned to the same account if the exchange cannot be completed. Ex-Money confirmed that the payment was received in their payment flow, but the USDC was not sent because the phone number in the order differed from the number linked to the payment. They now refer to this as incorrect information, although this requirement was never disclosed in the English interface before payment. When I asked where it was stated, support sent me a screenshot from the Russian version containing an additional warning. The English version I used only instructed me to transfer the exact amount, not add a payment comment, and complete the payment within 15 minutes; it contained no requirement that the phone number must match the T-Bank/SBP number. Support suggested changing the phone number linked to my bank account, but this requires my physical presence in the country and is not a practical solution. We have now been waiting five days for the bank/payment provider to resolve the transaction. Meanwhile, no cryptocurrency has been sent and my funds remain unavailable. I can confirm that the card, bank account, phone number provided and payment all belong to me. My complaint is not about a security or AML check, but about a material condition that was not disclosed before payment and the lack of a prompt refund despite the payment source being clearly identifiable. I ask BestChange to assist in either completing the exchange after verifying payment ownership or ensuring a full refund to the original payment account.
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