Coupon Field Ignored for Stripe

Hi. I have a form with a couple product fields and a coupon field. All seems to be working as the Form Total correctly calculates based on products selected, and shows $0 when a 100% off coupon code is used. Problem is credit card info is still collected (even when Form Total is $0) and upon submission the credit card is charged the amount ignoring the coupon. So if the original form total was $500 pre-coupon, and the 100% off coupon is applied the Form Total shows as $0 but the credit card charges the $500. Stripe payment setting is to use Form Total so I don’t understand why anything is charged in this scenario.