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Originally Posted by Ann-Angelcom
Question is why in the world would people sign up to a site just to chargeback over and over and over on the same date? Second question is why does CCbill allow this to happen???
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Hi AnnAngel,
I think you have it wrong. All of charge chargebacks happened on the same date, but if you look at the transaction numbers, they are very far apart. What I think happened is that this was a monthly recurring customer of yours, and this person charged back all purchases at the same time.
Quote:
Originally Posted by Ann-Angelcom
I see dozens of examples of this alone in my chargebacks. What I am noticing from looking at these accounts is that I would say 80% of my chargebacks are coming from fraud. When I ask CCbill to help out their response seems to be along the lines of "sorry it's out of our hands" Just by looking at these fraudulent accounts I can determine a pattern. From this pattern a programmer can take at most 30 minutes to implement a script that weeds out the frauds. I won't say much more about it since I know these assholes (pirates etc) read this forum often. But what I want to know is why the fuck CCbill doesn't step up!? Yet they have the nerve to email me asking ME to see what I can do to bring down my chargeback rate. Meanwhile it can probably drop by 80% if they would actually start doing something about their broken system that apparently a child can defraud. I'm really getting sick of ccbill's inability to go an extra mile for it's clients that pay them thousands of dollars each year in fees so the owners can go buy jets instead of reinvesting into a proper admin and a secure system that actually feels like 2012.
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It is not CCBill's fault, and it is wrong to blame them. Trust me, I know.
Here is an idea for you that
we ourselves use as a part of our own fraud system : Contact your customers.
It may sound scary at first, but do it. If you notice, the card holder's name is "Shannon R.", a woman's name. Everyone knows that relatively few women buy porn, so what you want to do is scan your list of customers often and look for a womans name. When you see it, CALL HER. That's right, Call her.
When you call the customer, let her know you're from "Customer Service". What you are trying to determine is if she was the one who actually made the purchase, but do while being on her side. If she did not make the purchase, it means someone stole her card info and used it without her approval.
When you determine this, you must login to your CCBill account and either Void the transaction, or issue a refund.
Voiding a transaction is always better. It means you stopped the transaction before it got to Visa or Mastercard, and you have saved yourself the cost of a chargeback. Visa will love you, and CCBill will love you too. This makes you a good merchant.
If it's too late for a void, a Refund is good too.
When you look at your user list, check the IP address with any Geo site, and see if the IP Address kinda sorta lines up with the home address of the credit card holder. If they are neaby (same city, province or state) you are probably ok. If its a different state or country, contact the card holder BY PHONE and verify they made the purchase. (If not, see above). You can't email the person because the email is not associated with her credit card bill.
As it is too late for "Shannon", there's nothing you can do. But if you want to, call her anyway, and ask her if she made the purchase and if so, why she charged back. If she didn't make the purchase, maybe she will have a good story of fraud at least. Very often, its a family member that steals the card info to buy porn.
Sorry to hear about your chargebacks. Good luck!