Quote:
Originally posted by picindex
All you gotta do is call your bank and tell them ?fraudulent charge? and boom you instantly win.
it all comes down to if the cardholders bank wants to give them the chargeback or not.
you can have a signed agreement and the dude has a $50k line with a bank - he will still win because the bank does not want to lose them as a customer.
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their not as easy as that. i admit they're easy for online charges, but still not that easy.
as for that line about it's whether or not we want to give it to the cardholder, that is plain bullshit. the chargeback process is completly objective, and a $500 credit line who's been with us for 6 months is treated the same as a $50k credit line with a 20 year history.
cardholder fraud is taken very seriously. if it can be proved beyond reasonable doubt that the charge is/isn't the cardholder's, the situation will be resolved accordingly.
if you feel you get a lot of chargebacks that you can prove without a reasonable doubt that it's a false chargeback, contact your merchant bank or processor and speak to them about REPRESENTMENT. see if they'll cringe or pretend they don't know what you're talking about.