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well epass is not a bank so lets clear that up right away.
Third , this doesnt sound like a "chargeback" in my opinion.
The illegal charge was loading the epass not transferring it so if a chargeback occurs its epass who loses the money , they are just adding their own "internal" chargebackk..
If customer A went into a bank and cashed a cheque that was fraud or bounced , then used the money in his account to send you a check that cleared , they cant simply take that money out of the third parties account..
That being said i should remind you epass is not a bank
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