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rowan

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#1

Customer charges back 9 months later...

09-27-2004, 07:00 PM

Signed up 14th December 2003
Cancelled first month, single charge only
Charged back 27th September 2003 (today... 9 months later)

I think this is a personal record so far, how the hell can a bank allow a customer 9+ months to decide that a transaction is fraudulent? Even people who have statements issued quarterly will receive at least 2-3 of them over that period.
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pornguy

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#2

09-27-2004, 07:03 PM

Because the banks and the CC companies are trying their best to put you out of business.

But wait until they get the impact on their income.

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uno

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#3

09-27-2004, 07:04 PM

Isn't there some statute of limitations on chargebacks?

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Fake Nick

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#4

09-27-2004, 07:05 PM

its 2004 dude ,

you deserve that CB for not knowing what year we are in
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Rob

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#5

09-27-2004, 07:10 PM

Originally posted by Fake Nick
its 2004 dude ,

you deserve that CB for not knowing what year we are in

Dayum! I'll leave it at that.
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NaughtyAlysha

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#6

09-27-2004, 07:10 PM

Originally posted by Fake Nick
its 2004 dude ,

you deserve that CB for not knowing what year we are in

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Mike Okitch

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#7

09-27-2004, 07:21 PM

Originally posted by Fake Nick
its 2004 dude ,

you deserve that CB for not knowing what year we are in

I'll give the benefit of the doubt that he's had a brain fart and meant to say 2004.

Still, the question remains.

What's the statute of limitation on chargebacks?

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rowan

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#8

09-27-2004, 07:26 PM

LOL, yes I meant the chargeback was 2004... unless time goes backwards and you can charge back before the initial transaction.

uno - I would have thought there would be some absolute limit. 9 months is plenty of time to read your statement and/or notice your card is missing.
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Methodcash Rick

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#9

09-27-2004, 07:27 PM

According to VISA regs, it's 180 days, but I'm sure there's a loophole in there somewhere that allows it to happen at anytime part 180 days... Visa
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#10

09-27-2004, 07:30 PM

Too bad our timeline to dispute the chargeback is much, much shorter than 9 freaking months!!!

I've lost soooooo many chargebacks due to them "not receiving the fax in time" or "not having my terms and conditions on each of my ordering pages"!

How much was the chargeback for? If it was the first month, single charge it must have been for under $50. Why are you sweating it? Is it the principle of the matter? Just curious.
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rowan

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#11

09-27-2004, 07:39 PM

Originally posted by HighOnAcid
Too bad our timeline to dispute the chargeback is much, much shorter than 9 freaking months!!!

I've lost soooooo many chargebacks due to them "not receiving the fax in time" or "not having my terms and conditions on each of my ordering pages"!

How much was the chargeback for? If it was the first month, single charge it must have been for under $50. Why are you sweating it? Is it the principle of the matter? Just curious.

Yeah, it's principle. It's only a single $19.95 charge so it's not going to send me broke, or push my chargeback levels up much.

I presume you have your own merchant account so you have the option of disputing a chargeback? Too bad the third party companies don't liase with their clients to allow them to do the same...
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#12

09-27-2004, 07:59 PM

Damn it really sux,didn't even know it is posible
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Allison

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#13

09-27-2004, 08:02 PM

Originally posted by BB-Rick
According to VISA regs, it's 180 days, but I'm sure there's a loophole in there somewhere that allows it to happen at anytime part 180 days... Visa

Yeah, I'm pretty sure it's 180 days as well & I don't believe there's any way of getting around that. I'd suggest asking your processor about it if possible. Could be an error.

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#14

09-27-2004, 08:08 PM

Originally posted by BB-Rick
According to VISA regs, it's 180 days, but I'm sure there's a loophole in there somewhere that allows it to happen at anytime part 180 days... Visa

Yep, I was always under the impression that it was 6 months or so.

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rowan

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#15

09-27-2004, 08:10 PM

I'm not even sure it was a Visa, all I can see from Verotel is that it's a "CC" transaction.

The card prefix is 4971... can anyone tell what brand it is from that?
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Mike Okitch

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#16

09-27-2004, 08:32 PM

Originally posted by rowan
I'm not even sure it was a Visa, all I can see from Verotel is that it's a "CC" transaction.

The card prefix is 4971... can anyone tell what brand it is from that?

I don't have a listing of Visa's first 4 digits but here's a good rule to remember.

-The first 4 digits are always from the same issuing bank. (An example, all Credit cards on the planet beginning with 4128 are Visa cards issued by citibank)

-All visa cards begin with a 4

-All MasterCards begin with a 5

-American Express begin with a 3.

I forget the exact terminology but there is a list available of those first 4 digits. Surely you can find it on google.

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Ron Bennett

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#17

09-27-2004, 09:05 PM

Maybe the chargeback happened awhile back and only now is Verotel coming back on you ...

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SpikeHeel

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#18

09-27-2004, 09:09 PM

Originally posted by rowan
LOL, yes I meant the chargeback was 2004... unless time goes backwards and you can charge back before the initial transaction.

uno - I would have thought there would be some absolute limit. 9 months is plenty of time to read your statement and/or notice your card is missing.

yes,you are right! im with you1

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