Ok, I'll rephrase...

In the many years I spent running credit reports, I've never seen nor used an option to pull the report by DL. Most credit apps, aka, credit cards etc.. don't ask for the DL, just the SS so if it is an option it seems like it would be a last resort and not very productive. Been many years since I've been in that industry.

Either way, I'm sure you are right about them running credit reports, wouldn't be surprised if they did background checks to looking for "embezzelment" or crimes of that nature.



RD

RockDaddy... perhaps the driver's license isn't used in the USA... but it can be used here in Canada.

as for a chargeback, it's not as simple as you're making it sound.
first of all, the cardholder (and not his wife) has to send us a signed letter stating they did not authorize the transaction(s). if the charge is then proved to be valid, they must pay. if not, it is charged back. so a chargeback is only issued when a processor does not prove the charge as being valid.
and before it's charged back, the cardholder must then sign a legal affadavit restating the fact that he didn't authorize the charge.
if at any time the processor or visa can prove the charge as being valid, the credit card will be redebited and the processor will be credited. this can have several consequences for the cardholder including the revocation of his card for fraud or even reporting fraudulent use of the card to the authorities (along with things like falsifying legal documents, etc)

psyko514 - so what kind of proof would you accept showing that the member did actual signup? Since this a "non card present" charge, then having the cvv2 would help? (signature is kind of hard with old out of date credit cards - would need smart cards to do that).

Or is the real thruth that no matter what the merchant says his word means nothing, simply because his account is lable "ADULT merchant" in the visa system?

Speak for yourself.... :1orglaugh


The Dawg

If it were only that simple. Unfortunately that system is not so for 5967 mcc code adult merchants anymore.

What you are speaking of is called a retrieval request. Whereby most merchants have a chance to give a refund or challenge the potential chargeback before it turns into one.

Now the affidavit is sent out right away to the consumer and there is no recourse for consumers lying. We belevie 83% of all our chargebacks were transactions actually done by the consumer and then charged back because the claim " I didnt do it". We collect so much info but no signature no fight.

Not so with Mcc 5967 Adult merchants. MC and Visa now automatically chargeback after the letter is signed. They said too many merchants were giving credits to avoid chargebacks. I guess you cant offer a money back gaurantee anymore then.

You can then fight it and get only the original charge money back but the chargeback stands.

The problem is out of control.... hence the new Verified by Visa solution which will require a pin number (virtual signature) when using your card.. This should help chargebacks on the initial charge but not the rebills..

LOL, To many parking tickets for me also, lol.... going offshore also:)

lol nobody is gonna use that shit
and epoch u can go fuck yourself too

lol talked to my rep last nite

yes michael you will have to register in the us

lol is this a joke

PSWBilling you're getting all my biz now

and for other Europeans
Check out
www.dutchbilling.com partner firm of verotel
www.visionbill.com danish cc processor only been up for some months but they seem solid.

Seems pretty clear to me - Visa is following the money trail. They want to know who really owns the websites in question, and they want to know who gets the money at the end of the day.

Knock Knock, who is there
Your stalker from the Internet

Knock Knock who is there
The IRS

Knock Knock who is there


:thumbsup

maximus... you are correct, the problem is out of control. like you said, you estimate 83% of chargebacks are actually valid charges. now what about the other 17%? if we stop doing chargebacks for mcc 5967 et al, what happens to the 17% who were wrongly charged? they get shafted with the bill anyways? unfortunately, as long as customers are going to be dishonest, someone will get screwed. have you tried taking your chargebacks to arbitration, with logs/sign-up forms and all?

as for the verified by visa system... yes, that should help a lot, provided merchants choose to accept it. a lot of merchant worry addind an extra step will cause them to lose sales. the system is still in testing with a handful of merchants, but we will hopefully see something soon. as for chargebacks on rebils using Verified by Visa, we can apply the same clause that holds true with debit cards. if a transaction is done using your pin#, you're held responsible. when someone calls to dispute a charge saying it's not theirs, we look back at their account and see whether or not there are other charges from the merchant
so i look back on joe blow's account and i see he's already been charged by ccBill. He's obviously responsible for that charge as his pin was used. so i ask him if he has proof he cancelled the account within the proper time frame. if he cannot provide thise proof, he must pay for the charge.

what's valid proof to me? a confirmation number issued by the processor (i don't know if this is done) as we can check it with the processor. or a registered letter sent to the processor. or a cancellation confirmation letter sent by the processor.

personally, i'm pushing hard within my bank to reduce chargebacks on 3rd party processor charges by educating my co-workers on how they work.

btw, there's one thing you guys seem to forget, or that you don't know. a chargeback costs Visa as well. every chargeback we do costs us $25 cdn. also, the affidavit isn't sent immediately. the cardholder must first fax/mail us a dispute letter.

It's for credit reports. It's best for identification purposes to have a SSN _AND_ a drivers liscense # for pulling credit reports.


- Zak

I hope you don't have a lot of rebills you are trying to save Brown Bear. :2 cents:

- Zak