Quote:
Originally posted by Chris Mallick
Again, as KK points out, third party is not the problem. EPOCH sends email confirmations to all subscribers. The Join Form and Approval pages show ?you will be billed by Paycom.net*XXXXXX? The disclosure is there; it?s the wife opening the bill that is the problem. It is the buyer?s remorse. It is the same old shit and it won?t change until Verified by Visa (Mitch I am going to post a reply to yours in a minute) starts. It is the only way to stop the ?It wasn?t me?? reason code or ?friendly fraud?. Or, if a card is used that the buyer?s identity is masked so he / she doesn?t have to worry about being busted by someone else opening the mail. More on that later.
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Look, I work as a customer service agent for Visa, so I'm just pulling this shit out of my ass. I agree that there is friendly fraud going on, but it doesn't constitute for the majority of chargebacks.
Do you think people are reading the full page when they sign up for a porn site? Their keen on getting their rocks off, so they rush through the form. Maybe they see a little line that says "'PAYCOM.NET *Whatever' will appear on your cardholder statement", but where is that little line placed? A few lines below the "JOIN" button, and off screen so that they half to scroll past the "JOIN" button. On top of that, the join page URL doesn't even contain Paycom.
So there's a slight chance that the surfer knows he'll be billed by Paycom. If, buy any chance, he has seen that little line, he'll almost certainly forget 1, 2 or 3 months later when he looks at his statement.
When I get someone who calls me and says they don't recognize iBill, ccBill, Paycom, etc., I tell them to visit the website, use the check a charge form, and see what it is for.
The majority (75%) don't call back. I've had several people do it while they talk to me and all I hear is "Oh yeah, I remember that", or "Oh, that must be my husband/daughter/roommate". When they say the latter, I note their account accodringly, and advise them they can't chargeback.
The rest that do call back must send a letter to dispute further. Only about half do.
And for the person who suggested reporting their card as lost, our policy is to do it if their are 3 or more charges they don't recognize. As for the new card taking weeks to get, that's bullshit.
I can get a new card to someone as quick as the same day if they need it, or within two business days.