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We had this same problem and this is why we moved away from third party processing.
The fact of the matter is that it is not hard to get their bank to take your side (We win over 90% of chargebacks and recover the $) the problem is that your CB ratio is not based on the amount of CB's you lose is based on how many are initiated.
So because your billing on Epoch's master merch account they (and all others) will refund the clients with no questions asked because they cant afford to have a high CB ratio. They also know nothing about your site or how it works so their reps are unable to retain any clients for you and that means that your losing about 30% more then you would if you had quality billing customer service.
The only way to stop this is to get your own merch accounts and setup your own customer service team or hire a company like ASS to manage it for you but as long as your on third party billing your just going to have to suck it up because they are not going to change.
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http://www.boinkcash.com
Skype: Bulksolutions
ICQ 303 164 941
Email brent at ptbmedia dot com
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