I have to make mention to this because of how it appears - but, I have not gotten a response from StarBucksShop as of yet.
There might be an explanation - I just don't have one yet.
I made this loan based on the previous repayment history to myself and other lenders.
I asked for collateral, as extra assurance and really wasn't a prerequisite of this loan.
With that being said, I was sent gift card codes for $786 worth of starbucks credit on July 31.
I never took possession of the credits (transferring the credits to a card that only I controlled)
But on Aug 1, the credits were drained down to nothing, which effectively killed any assurance collateral I held.
He still has a week to pay me back - but, the credits were part of the deal.
They were no longer his to use, which he obviously did use without giving me any kind of notification.
Don't he used them, almost assuredly they were paid for by stolen credit card, and Starbucks took the balance.
If you transferred to a card you owned, that's the only way they could have disappeared. The reason no one reported ant issues is because they all used their balances before the chargeback.