Quote:
Originally posted by psyko514
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.
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I know what you are saying. As for Paycom, our name is prominently displayed, several places. But, as you said, these people are going blind from looking at the screen while? well you know?
So the answer is what? We do the best we can with what we have. We remind people too that call our Center. The toll free is right on that statement that they are looking at, so we are making ourselves available.
I am always up for constructive suggestions. Unfortunately we are kind of screwed by the rules that you employer puts out there. I mean it is really nice as a cardholder to know I am protected from unauthorized transactions. But it is another thing for Visa to advertise on the Olympics that you can buy online and just decide not to pay. ?Zero Liability? they call it, I think. I mean what?s a Webmaster to do to fight that? That?s why I say V by V is at least something.
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