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-   -   CCBill so afraid of charbacks - catering to con artists (https://gfy.com/showthread.php?t=83536)

Sleepy 10-19-2002 01:13 PM

Quote:

Originally posted by kaylacam


I agree! I would like to see someone call their billing company and say something like,"You know, I really did not like that steak I ate at Ruth's Chris last night, I would like to charge that back, please."



mmm.. Ruth Chris' Steak.
The Potatoes au Gratin are amazing too.

Sleepy 10-19-2002 01:21 PM

Quote:

Originally posted by Jizar II


Really? isnīt that possiple with ccbill? We use Jettis and in their admin itīs easy to change a password on a recurring member. i just find it odd that such a simple feature isnīt available with ccbill..


Nope, because you have to assign a date when you change it.
Corvett will argue and say I could set it to a year. The problem is many of my members rebill long past a year. When that user's pass fails to work, he is gonna mail me. Im gonna have to figure out what happened. Im gonna have to mail the user back and explain. Now the user is gonna be pissed cause he has to join again which means he gets hit with the trial fee on top of the monthly fee when he rejoins. It's alot of crap to contend with and it's a common sense thing. I should be able to change or re-add a user with ZERO side affects.

Web girl 10-19-2002 01:25 PM

Mark, this is NOT a case of fraud, this is a flat out con game made by a 58 year old man who has been around the block several times and knows how to play your system.

It completely baffles me how a, "senior supervisor" could decide to save a chargeback long after services have been rendered!! All he had to do was #1 look at the date of purchase against the date when the man called for the refund and #2 check his past purchase history which he does have!! HOW DID 2 1/2 MONTHS GO UNNOTICED?? I certainly noticed that he logged in on an average of 6 to 8 times a day, is responsible for using 80% of my bandwidth and attended 100% of my live cam shows so obviously he was quite pleased with the site content..... and you turn around and reinforce that it's ok to scam us, and there are no consequences to being an asshole!!

I must be living in a perfect world because in the 3 years that my site has been up and running I have never had a single chargeback. I have had a similar situation, however, when someone with a 30 day membership called on the 28th day and told you that he didnt have the money, so what did you do? You gave him a refund and said the same thing, "he threatened us with a chargeback"!! Big deal, let it go on his record. I don't HAVE to be %100 chargeback free for 3 years, and its OK to have a 1% chargeback rate!! Do you think that restaraunts, gift stores and any other business that offers a service is 100% chargeback free?

Do you think Victoria Secret will let me chargeback on the panties that I wore for my cam shows? I wonder if the toy store will issue me credit on my used dildos?

Tell me, what have you been doing exactly with all of my processing fees? I thought those fees were there to cover crap like this!

Geeze!!

cherrylula 10-19-2002 01:33 PM

You cannot eat half of a pizza, or more, and then demand your money back. Things just don't work that way in the real world.

Visa needs to get their heads out of their asses in a big way. Refunding money to theiving surfers out of fear of visa and their silly little percentages? They can go suck a nut.

Web girl 10-19-2002 02:14 PM

I spoke to someone in the tech support department on the morning of 10/19/02 who stated that Mr. Cohen claimed to have been banned from my site, which was not the case. Mr. Cohen was NOT banned from my site, my password sentry (security script) temporarily suspended his password for having 3 different IP resolutions.

Mr. Cohen has 3 different computers with 3 different types of connections. He logs into Peep Shows via my website and gets banned from Peep Shows for mistreating the camgirls. As Mr. Cohen himself explained it, in order to get back in to Peep Shows he has to re-enter with a different connection. Mr. Cohen and I have discussed this in the past because this is not the first time my security system has temporarily suspended his password. He understands that my security system only allows 2 IP resolutions, 1 from home and 1 from work. He made it clear that he would not continue this behavior because we had also discussed that the url he uses to enter Peep Shows is linked to misschianti.com and that any future instances would be considered a violation of my sites terms of use agreement. I suspect that Mr. Cohen called CCBill for a refund when my system was triggered after he again was "playing" at Peep Shows" 10/13/02, which is 2 and 1/2 months into his 3 month membership... hardly the time or an acceptable reason to be issuing a refund.

For the 2 and 1/2 months that Mr. Cohen logged in to my site prior to my secuirty device temporarily blocking his password was used on an average of 6 to 8 times a day, is responsible for using 80% of my bandwidth and shows attendance at 100% of my live cam shows, as well as the cam shows within my free cam exchange, and the free upsell cam and chats. He obviously was quite pleased with the site content as shown below by his last full weeks usage which averages equally with his 2 and 1/2 month usages.

10/1/02 SPQR50 34,103,354 bytes
10/2/02 SPQR50 68,946,425 bytes
10/3/02 SPQR50 192,047,804 bytes
10/4/02 SPQR50 82,746,475 bytes
10/5/02 SPQR50 155,152,783 bytes
10/6/02 SPQR50 29,109,356 bytes
10/7/02 SPQR50 43,941,250 bytes

This is NOT someone who did not make use of his membership and should NOT be refunded. This is a con game that he is playing because he was afraid I would ban him for misuse of my site!

I am protesting the allowance of this refund and am demanding that my account is credited in full.

Sleepy 10-19-2002 02:48 PM

Why dont you go into your admin and find his address etc then call information to get his home number. If a women answers.. he is fucked ;-) You seem like the type to have the courage ..

Web girl 10-19-2002 02:50 PM

lmao, Oh thats funny!

cherrylula 10-19-2002 02:54 PM

Send him a bill, in the regular mail, and threaten to report him to the credit bureaus. Or something like that?

funkmaster 10-19-2002 02:58 PM

Quote:

Originally posted by Web girl
CCBill how dare you refund someone with 1 week left on a 3 month membership? This is NOT the first time you have pulled shit like this ... are you are so afraid of a chargeback that you would rather let a con artist rip off your clients? This guy was a member for 2 1/2 months, used 80% of the total bandwidth and violated his term of agreement so you give him free porn as a reward... Whoo Hoo, I bet he just LOVES you guys!! I see how valuable this $750 and $350 will be. We pay you, you make money and then you fuck us up the ass. Excuse me while I unzip my pants and bend over for your easier access.

Explain to me, what the fuck are you doing?

... was that your only member ?

Web girl 10-19-2002 03:00 PM

It doesnt matter if a site has 1 member or 1 million members. CCBill should not be issuing refunds after the fact. Plain and simple.

DemonWolfe 10-19-2002 03:41 PM

Here's an interesting scenario for you to ponder:

There is an information site, which sells "how to" information, and charges a one time fee. Johnny surfer pays the one time fee, and then emails the webmaster with additional questions and needs extra help because Johnny surfer is really very dumb and can not grasp the step by step process. So, the webmaster has to help him 3 - 4 times per week for a few months before Johnny surfer gets it, and begins using the information. Johnny surfer was been lucky to get all the "extra" help, as the site does not imply three months of almost daily email support as included in the one time fee price.

Well, Johnny surfer gets a refund from CCBILL for the full amount of the sale, despite the fact that he has used the how to site for over 3 months AND had daily email support and additional help at no additional charge.

This makes the webmaster a bit ticked off, but no where near as ticked off as he was when he saw that Johnny surfer had ALSO chargedback after getting his refund.

So the webmaster writes ccbill and asks them how this is possible, since Johnny surfer now has had 3 months free access and free support AND he has doubled his money in return. The webmaster is actually out money now, because CCBILL had taken out the money for the refund AND for the chargeback for the same guy.

This is why the webmaster now uses Globill for his new stuff which is much more successful.

Krul 10-19-2002 03:42 PM

Quote:

Originally posted by markusborger
fucking 3 STOOGES (IBILL, CCBILL and PAYPAL) !!!

they are big theifs these days! :feels-hot


I can not agree more!!!!!!!!!

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<img border=0 src="http://www.verotel.com/gfx/button.gif"></a>

Mr.Fiction 10-19-2002 04:10 PM

Quote:

Originally posted by funkmaster


... was that your only member ?

Good question.

Web girl 10-19-2002 04:20 PM

Quote:

Originally posted by Mr.Fiction


Good question.

What makes it a good question? Is it a good question because it offers an insinuation of insult to me as an amateur or because it's totally off topic? AGAIN, the topic here is weather it's right or wrong to issue refunds AFTER the full course of the membership has been completed. If youre "question" is a sarcastic way of saying that its "ok" and to "get over it" my response to you is to get over YOURSELF and pull that half assed head out of your pussy diver cuz you still aint breathing right :)

p1mpdog 10-19-2002 04:21 PM

ccbill sucks.

Kingfish 10-19-2002 04:28 PM

Simply file a small claims suit against the guy. The prospect of appearing in court and having to explain why he did not pay for his pornography will probably make him cough the money up. If he doesn?t show up all the better, ask the judge for a default judgment. The credit bureaus will pick up the default judgment, and put it on his credit report.

Lensman 10-19-2002 04:40 PM

Quote:

Originally posted by Web girl
It doesnt matter if a site has 1 member or 1 million members. CCBill should not be issuing refunds after the fact. Plain and simple.
Life ain't fair, but CCBill doesn't set the rules. Visa and Masterard does.

You should be real happy he called CCbill instead of his credit card company.

You need to relax, you'll have a heart attack if you try to fight chargebacks one by one.

titmowse 10-19-2002 04:44 PM

Web Girl,

I understand your frustration. I hope you can find a solution. I must ask you though, do you know how much the penalty fee for exceeding chargeback percentages is? Think five figures. Your biller has to eat those fees, that's part of the service.

p1mpdog 10-19-2002 04:51 PM

refunds suck, plain and simple.

Simple solution though.. If you are not happy with ccbill and their ways of handeling your customer service, then switch.

Pay ccbill the 750 for the new visa shit and let your recurring members bill out. Go with a new processor for example epoch.. epoch has some new kickass tools to help keep, cross sell, retain, upsell etc.. Epoch will let you payout the new 750$ visa fee, so dont think its a one time upfront charge... they will deduct the 750 from future payouts to you.

I feel stupid for never going with epoch in the 1st place..Since i switched, i have 0 complaints, and if i have a problem, they actually listen and respond in a timely manner.:2 cents:

Web girl 10-19-2002 04:54 PM

Quote:

Originally posted by titmowse
Web Girl,

I understand your frustration. I hope you can find a solution. I must ask you though, do you know how much the penalty fee for exceeding chargeback percentages is? Think five figures. Your biller has to eat those fees, that's part of the service.

No, I have to admit that I don't. I have never had any chargebacks or refunds that I havent personally authorized as a return favor for expensive gifts from certain members. It's never been an issue for me and its a shame that a site like mine that offers no problems and little risk should have to carry the weight of those who are not so, I want to say lucky, but I think its more like conscienscious in business practice.

I do understand that as with any business there will be gains and losses but at the same time I feel that this loss was preventable and could have been handled much better on the part of CCBill ... who never nofitied me of this. I found out by reviewing my stats.

Speaking of stats, is everyone having a good weekend? I usually don't do so well on Saturdays but today is pretty decent :)

corvette 10-19-2002 04:55 PM

Sleepy, I appreciate your suggestions about the reports/options and I will pass them on. I know that we are upgrading our reports, so it might be a good time to add a few more features

Webgirl, Thanks for the email?

Stores normally require you to sign the sales skip or key a PIN number in. That way, they are reasonably sure that you are the cardholder. A lot of places also ask for a driver?s license to be able to match the name on the card to your picture. They save that info in case the customer disputes the charge.

On the internet, when a customer signs up for a site, we have their IP address, plus the information that they provide for us i.e. name, address, email, etc

If a customer calls his bank and tell them that they did not make a charge, they will ask us to prove that he did. We send them all of the detail that we have on the charge.

The problem is that we don?t have a signature or a PIN authorization. If we were a retail store and the customer disputed the charge, all we would have to do would be to make a copy of the sales receipt and send it off to the customer?s bank. They would compare the signature of the sales receipt to the signature that they have from when the customer first signed up with the card. If they match, they tell the customer that he can?t chargeback.

Online, we don?t have the same luxury. ?Card not in possession? chargebacks reasons are very frequent. The customer says that they didn?t have the card and somebody else typed in their info. The bank is comparing what we have sent them with the word of their customer.

However, if we have a CVV2 match on the card, then it is very hard for the customer to dispute the transaction. CVV2 cannot be stored anywhere but on the VISA/MC network and on the card. If the right code was entered, then the person with the card had made the charge. It?s hard to convince the bank that you didn?t have the card on you at the time of the purchase when the CVV2 was entered.

Web girl 10-19-2002 05:00 PM

Quote:

Originally posted by corvett



The problem is that we don?t have a signature or a PIN authorization. If we were a retail store and the customer disputed the charge, all we would have to do would be to make a copy of the sales receipt and send it off to the customer?s bank. They would compare the signature of the sales receipt to the signature that they have from when the customer first signed up with the card. If they match, they tell the customer that he can?t chargeback.

Online, we don?t have the same luxury. ?Card not in possession? chargebacks reasons are very frequent. The customer says that they didn?t have the card and somebody else typed in their info. The bank is comparing what we have sent them with the word of their customer.

So why don't you do wat ifriends has been doing for the last 5 years and have them fax in their authorization or cut their account off after a week? If they have been in business this long and are still as healthy as they are maybe it would be worth looking into alternatives because when I'm not making money I'm not happy, and when I am not happy neither are you because I'm going to call and bitch about it... especially when it comes to something like this.

.:Frog:. 10-19-2002 05:11 PM

Quote:

Originally posted by Web girl

So why don't you do wat ifriends has been doing for the last 5 years and have them fax in their authorization or cut their account off after a week? If they have been in business this long and are still as healthy as they are maybe it would be worth looking into alternatives because when I'm not making money I'm not happy, and when I am not happy neither are you because I'm going to call and bitch about it... especially when it comes to something like this.

You mean the surfer needs to fax something or ifriends does the fax?
I've never owned a fax machine in my life, and I'd bet most people don't own a fax machine either.

corvette 10-19-2002 05:14 PM

Quote:

Originally posted by Web girl
So why don't you do wat ifriends has been doing for the last 5 years and have them fax in their authorization or cut their account off after a week?

Well, there might be some logistical issues there...and a lot of people have computers, but not fax machines...and having to fax a form in/recieve confirmation, might discourage some sales

but i will pass it on...

Web girl 10-19-2002 05:18 PM

You can not continue to pay for cam shows unless you have faxed or snail mailed your signed authorization in to ifriends just as the cam girls can't perform without faxing AND snail mailing their age forms. How many members does ifriends have... 2.3 million? It doesnt seem to be much of a problem for them, I mean yes, some of the members do belly ache and complain, but they always send it in.

Pipecrew 10-19-2002 06:12 PM

I cant believe you are whining so much over 100 dollars being refunded and a whole 3 dollars in bandwidth, relax

Spoonie Luv 10-19-2002 06:25 PM

Quote:

Originally posted by Kingfish
Simply file a small claims suit against the guy. The prospect of appearing in court and having to explain why he did not pay for his pornography will probably make him cough the money up. If he doesn?t show up all the better, ask the judge for a default judgment. The credit bureaus will pick up the default judgment, and put it on his credit report.
Maybe you could get on The People's Court and get some free publicity.

Kingfish 10-19-2002 08:04 PM

Better yet Judge Judy

psyko514 10-19-2002 10:13 PM

Quote:

Originally posted by kaylacam


I agree! I would like to see someone call their billing company and say something like,"You know, I really did not like that steak I ate at Ruth's Chris last night, I would like to charge that back, please."


you'd be surprised... i take at least 3-4 calls a week of that nature.

kevinl 10-20-2002 12:49 AM

Web Girl,
You definitely need to send him a certified letter demanding payment. Don't threaten him directly just tell him to avoid further action he has ten days to remit payment. If he doenst then send a letter to Transworld explaining the charge and what it was for. Go into graphic detail. This wll go in his credit folder. Be sure and send him a copy.

He will pay.

steffie 10-20-2002 01:17 AM

Ok,, i thought and thought about posting it, because I really do like the guys at ccbill and they did try to help me with one guy.

Before I went to Miami for the Internext I announced on my site that I was looking for my BJ Winner of the month. Many members from Florida emailed me.

Once I arrived in Florida I left my hotel room number on my cell phone and 4 Members called to see if I would meet them. I had a lot of things planned and so I decided to meet up with one guy who was also going to hang out with us at a tattoo convention and really kewl.

When I came back from Florida I received a 13 month refund/chargeback from one Member and an email from him telling me. "I was in Florida for the Blowjob, but you didn't pick me, I am going to get you!"

CCbill split the charge back with me. I ended up with 7 refunds and 6 Chargebacks. My chargeback rate on that particular month was horrendous. My unfortunate luck he also used a Visa Card.

I have worked with CCbill on that issue ever since August. They have forwarded it into their fraud department. But they couldnt really do much for me, since this jerk called Visa direct. I am stuck.

The only advice I really received now was to mail him and sue him for the amount. Since I do know that he had access for aver 13 month.

I was in tears, I couldn't believe my eyes, I made CCbill's live hell for at least 2 hours everyday for 1 week straight. Asking them "Why Why Why could he chargeback/refund all his month of membership.

Because he can!!!

Lesson learned!

I am drafting a letter to him now, registered and I am making it a point for him to get it around Thanksgiving. He will be sued by my company for access and bandwidth.

So, I do have to give CCbill credit on helping me and calming me down when I was ready to buy a shotgun and put out this jerks light. However, I was still surprised that he was able to get HIS ENTIRE membership fee for 13 month back so easy.

Live is not fair. But watch, i will get that motherfucker. I am very patient when it comes to fuck people up.

I do have his address!!

Knock Knock. Hey how are you, is your husband here? He won a free blowjob on my website and he said it would be ok for me to come over and to give it to him.

:mad:

Shoplifter 10-20-2002 01:43 AM

Quote:

Originally posted by steffie


When I came back from Florida I received a 13 month refund/chargeback from one Member and an email from him telling me. "I was in Florida for the Blowjob, but you didn't pick me, I am going to get you!"


Can't say I've had this happen with my users...:1orglaugh

steffie 10-20-2002 01:46 AM

Trust me, since that day, I have fully rethought the monthly blowjob member thing...

I am no longer doing it pre scheduled.. Only on a whimp

Winner of the month of September was Hungryman ;-))

cherrylula 10-20-2002 01:57 AM

Quote:

Originally posted by Web girl
You can not continue to pay for cam shows unless you have faxed or snail mailed your signed authorization in to ifriends just as the cam girls can't perform without faxing AND snail mailing their age forms. How many members does ifriends have... 2.3 million? It doesnt seem to be much of a problem for them, I mean yes, some of the members do belly ache and complain, but they always send it in.
Rage34C? :winkwink:

shunga 10-20-2002 02:57 AM

Quote:

Originally posted by Sleepy
you have to assign a date when you change it.
Corvett will argue and say I could set it to a year. The problem is many of my members rebill long past a year. When that user's pass fails to work, he is gonna mail me. I should be able to change or re-add a user with ZERO side affects.

Whenever I change a members password I set the end date to December 31st 2010, or whatever the latest date is, as I was told that allows the member to be rebilled until he cancels.

ControlThy 10-20-2002 03:05 AM

Steffie,

You give out blowjobs to your members?
Now I have heard it all.

But, is it helping with retention? ;-)

steffie 10-20-2002 03:08 AM

Retention rocks on it,,

however if you have some guy who is determine to get it from you, but you only do one per month.. blah blah,, you know the drill

12 members per year

more than 12 members

I have one huge Gangbang per year for my members,, but guys still rather have the one-on-one thing (with cameraman of course)

Ah you just can't make everybody happy eh?

ControlThy 10-20-2002 03:14 AM

Steffie,

I am asthonised by your dedication.

DjSap 10-20-2002 03:27 AM

Quote:

Originally posted by corvett
However, if we have a CVV2 match on the card, then it is very hard for the customer to dispute the transaction. CVV2 cannot be stored anywhere but on the VISA/MC network and on the card. If the right code was entered, then the person with the card had made the charge. It?s hard to convince the bank that you didn?t have the card on you at the time of the purchase when the CVV2 was entered.
You do know that cvv2's aren't that hard to get? If you steal the credit card #s from an online store then you are most likely to get the cvv2's also. Most people who chargeback porn have had their cc # stolen from an online store where they made a purchase...since more stores now require cvv2's the more carders are getting the cvv2's when they steal their db.

Cvv2's are just as much proof as the cc # itself. If you would start to require pin # on the web then most carders would get them also and it wouldn't be much proof.

12clicks 10-20-2002 03:53 AM

Quote:

Originally posted by Web girl


So why don't you do wat ifriends has been doing for the last 5 years and have them fax in their authorization or cut their account off after a week? If they have been in business this long and are still as healthy as they are maybe it would be worth looking into alternatives because when I'm not making money I'm not happy, and when I am not happy neither are you because I'm going to call and bitch about it... especially when it comes to something like this.

well, that pretty much settles it. this chick has 5 members or less.
you should teach ccbill a lesson and take your business elsewhere. I'm sure it would kill them.:1orglaugh


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