Anyone had legal problems with American Express? - GoFuckYourself.com

murphyd · 02-21-2005, 06:17 PM

have you or anyone you know had to deal with AE legally in the past?

we are looking forward to dancing with them in court next month and would apprecaite any input you may have that we could use to bolster our case.

if you are aware of any attorney's in the Los Angeles area that have been involved in any matters regarding AE, please let us know.

we don't want to publize any details at this point, but i promise to keep everyone updated when possible.

thank you in advance for your assistance

murphy
[email protected]

Live Amateur WebCams

MARAKAS · 02-21-2005, 06:19 PM

ask Jerry Seinfeld, he probably knows how to fix it

Sheri Santiago · 02-21-2005, 06:20 PM

I can imagine dealing with the legal team at AMEX is probably something you'd want to make as quick and painless as possible...hope it works out for you.

12clicks · 02-21-2005, 06:24 PM

Quote:

Originally Posted by murphyd

have you or anyone you know had to deal with AE legally in the past?

we are looking forward to dancing with them in court next month and would apprecaite any input you may have that we could use to bolster our case.

if you are aware of any attorney's in the Los Angeles area that have been involved in any matters regarding AE, please let us know.

we don't want to publize any details at this point, but i promise to keep everyone updated when possible.

thank you in advance for your assistance

murphy
[email protected]

Live Amateur WebCams

yeah, you'll be dancing at the end of their string.
pay your bills and you won't be drug into court.

murphyd · 02-21-2005, 09:49 PM

we were lucky enough to have them solicit us asking if we wanted to accept AE on our adult website, based on our 3 year history of .0032% for chargebacks using MC, Visa & Discover. however, when we added AE to our site - the chargeback ratio for them was virtually 100%, even after submitting the transactions to them for approval.

it turned out that every transaction originated from the same IP, and when i contacted them in the hope of working together to bust an obvious fraudulent situation they werent interested. their comment was 'its your responsibility as the merchant'.

so this isnt a personal problem using a AE credit card, its dealing with them as a merchant accepting their cards.

if we cant work with the major credit card companies to minimize the rampent cc fraud online it will never stop!

Spunky · 02-21-2005, 09:59 PM

Good luck with it..

Young · 02-21-2005, 10:16 PM

No.

But I still haven't recieved my Centurion card invitation

Ron Bennett · 02-21-2005, 11:01 PM

Quote:

Originally Posted by murphyd

we were lucky enough to have them solicit us asking if we wanted to accept AE on our adult website, based on our 3 year history of .0032% for chargebacks using MC, Visa & Discover...

Amex allows adult ... didn't know they'd changed policy - learn something new everyday here.

Quote:

Originally Posted by murphyd

...however, when we added AE to our site - the chargeback ratio for them was virtually 100%, even after submitting the transactions to them for approval...

You mean manually over the phone or something? Not sure how it would make any difference, since Amex outsources their customer service and they simply read/do whatever the computer tells them to do; if you were submitting actual signed charge slips, then you might have something.

Quote:

Originally Posted by murphyd

...it turned out that every transaction originated from the same IP, and when i contacted them in the hope of working together to bust an obvious fraudulent situation they werent interested. their comment was 'its your responsibility as the merchant'.

Amex is basically correct ... ok, yes, many web surfers share the same IP, but if you see numerous transactions coming in from the same IP (or even IP range) in a short period of time, there's likely something very wrong...

Do you ask the customer to enter the card code (4 digit number on front; some Amex cards also have the standard 3 digit on back) - doesn't mean you have to auto-reject transactions without, but it's another fraud tool to screen transactions...

If you already do the above, then perhaps you *may* have something to work with ... if carders have breached card code system security, then Amex certainly could share in the blame for that, since the various card code systems are touted as being secure.

Quote:

Originally Posted by murphyd

...so this isnt a personal problem using a AE credit card, its dealing with them as a merchant accepting their cards.

if we cant work with the major credit card companies to minimize the rampent cc fraud online it will never stop!

Yes, the issuers could do more, but don't out of lazyness, greed, etc ... and mainly because detecting fraud, even with all sorts of fancy computing algorithms, is still very challenging - if they "scrub", to borrow a term from adult processors, too hard, they likely will inconvenience a disproportant number of customers ... too little and situations, such as yours occurs - point is that the merchant, like it or not, plays a paramount role in detecting and reporting fraud.

Perhaps I misunderstand your post - were you checking card codes? Why were groups of transactions from the same IP (or even range) not red-flagged and reviewed before submitting those batches?...

Ron

murphyd · 02-22-2005, 02:37 PM

every transaction had all required information, billing address, security card #, and was scrubbed by our 3rd party batch processor, and submitted to AE's system for verification & approval. AE approved the transactions originally.

the billing address's of the credit cards used were in different cities, some of AE's customers had never been online before, so the only possible way someone could have access to the information supplied was to be able to access AE's customer personal files.

02-21-2005, 06:17 PM	#1
murphyd Registered User Join Date: Jul 2004 Posts: 3	Anyone had legal problems with American Express? have you or anyone you know had to deal with AE legally in the past? we are looking forward to dancing with them in court next month and would apprecaite any input you may have that we could use to bolster our case. if you are aware of any attorney's in the Los Angeles area that have been involved in any matters regarding AE, please let us know. we don't want to publize any details at this point, but i promise to keep everyone updated when possible. thank you in advance for your assistance murphy [email protected] Live Amateur WebCams

02-21-2005, 06:19 PM	#2
MARAKAS Confirmed User Join Date: Dec 2004 Location: cali, LA, San Pedro area Posts: 168	ask Jerry Seinfeld, he probably knows how to fix it __________________ SIG TOO BIG! Maximum 120x60 button and no more than 3 text lines of DEFAULT SIZE and COLOR. Unless your sig is for a GFY top banner sponsor, you may use a 624x80 instead of a 120x60. Let me repeat... A 120 x 60 button and no more that 3 lines of DEFAULT SIZE AND COLOR text.

02-21-2005, 06:20 PM	#3
Sheri Santiago Confirmed User Join Date: Jun 2003 Location: Scottsdale Posts: 1,584	I can imagine dealing with the legal team at AMEX is probably something you'd want to make as quick and painless as possible...hope it works out for you. __________________ Wild West Cash Royal Vault...$30+PPS, HD Sites

02-21-2005, 09:59 PM	#6
Spunky I need a beer Industry Role: Join Date: Jun 2002 Location: ♠ Toiletville ♠ Posts: 133,944	Good luck with it.. __________________ *YOUR INFORMATION HERE*

02-21-2005, 10:16 PM	#7
Young Bland for life Industry Role: Join Date: Nov 2004 Posts: 10,468	No. But I still haven't recieved my Centurion card invitation __________________ ★★★

02-21-2005, 09:49 PM	#5
murphyd Registered User Join Date: Jul 2004 Posts: 3	we were lucky enough to have them solicit us asking if we wanted to accept AE on our adult website, based on our 3 year history of .0032% for chargebacks using MC, Visa & Discover. however, when we added AE to our site - the chargeback ratio for them was virtually 100%, even after submitting the transactions to them for approval. it turned out that every transaction originated from the same IP, and when i contacted them in the hope of working together to bust an obvious fraudulent situation they werent interested. their comment was 'its your responsibility as the merchant'. so this isnt a personal problem using a AE credit card, its dealing with them as a merchant accepting their cards. if we cant work with the major credit card companies to minimize the rampent cc fraud online it will never stop!

02-22-2005, 02:37 PM	#9
murphyd Registered User Join Date: Jul 2004 Posts: 3	every transaction had all required information, billing address, security card #, and was scrubbed by our 3rd party batch processor, and submitted to AE's system for verification & approval. AE approved the transactions originally. the billing address's of the credit cards used were in different cities, some of AE's customers had never been online before, so the only possible way someone could have access to the information supplied was to be able to access AE's customer personal files.