Fucking Chargeback Scammers

the biggest scam is on-line checks because the CC processor can't block them for future purchases. appearently it's very easy for the customer to return the check, no questions asked. i've had a few customers do this every few months. i'm thinking about dropping that option altogether.

The collection agency does that for us. We also have access to a criss-cross service that provides the SS# for every person that an individual has ever lived with. Getting a SS# is not difficult you can get your neighbor's SS# right now from sites such as GovSSNRecord or Intelius.

Once you have a person's name and address you can get their social security number. That's the purpose of making sure that the AVS information is correct, i.e. YYY. Also, you don't always need a social security number to put something on someone's credit report. For example, if you go to small claims court, you never put the defendant's SS# on the documents but the credit bureaus pick it up if the defendant loses the case. If the name and address matches, they add it to that credit report or start a credit history for that name and address.

The credit bureaus are not perfect and they do make errors. I know a guy that is a junior and because he lived with his father, his fathers unpaid medical bills appear on his credit report. It's a nightmare for him because the hospital has put a lien on his house rather than his father's house.

This has nothing to do with SS but with admission of guilt which is almost impossible to prove with digital transactions. Its not like you’re going to get subpoena to question ISP because you have someone’s IP address and their CC info. You’re lucky nobody went after you yet and counter-sued for harassment and defamation.

I wouldn?t call them idiots. They already have a bad impression of this industry and they are usually surprised to find articulate and trusting folks at the other end.

I never said that a return receipt was an admission of guilt nor do I want to imply so. It lets me know that the person I'm accusing received my complaint. If they don't answer, I move ahead with collections. If they respond, we talk about it.

Once the person is on the phone it's usually resolved. More than half the time, the person did not recognize the charge. We give them that option as a way out in the conversation. They signed up for dirtyporn.com but was billed by cleancompany.com. We settle on the membership fee and the chargeback fee.

Once in a while, I will call the customer before the chargeback grace period ends and work it out with them. Once that happens, I send a letter to the bank letting them know about the conversation. The bank sends the letter to the customer for verification and the chargeback is reversed.

It's all in how you work with the customer. They need to be treated in a friendly/civil manner as well as need to feel that you operate in a way to protect their interest. Thus, they should work this out with you.

Regarding your comment on ?digital transaction?, I answer every chargeback with whatever information I have. I have a form that I call ?Transaction Details? it?s basically an invoice with our merchant name address etc. but rather than using the word invoice it says Transaction Details. I populate it with everything from the merchant interface including customer info, card number, AVS response, CVV2 response, site name, IP address and the additional info from MaxMind. I include a cover memo that simply says we believe the charge to be true based on the supporting data and the customer may not recognize the transaction on their statement. This is particularly useful for international customers because, again, most of the time they don?t recognize the charge on their statement. I have a very high success rate with this.

This business is full of risks across the board. So far, they've been fine with the PFDs.

What does “move ahead” means? Lets say you send me a letter, I read it and say “what ever”, never heard of them, nor do I care. What do you do? file it with collection agency? You do not have my signature, nor contractual agreement for services provided. You have my credit card number and personal info that could have been passed by someone else. Lets say its my ex-roommate who did it. Legally, you can’t go after me because you have zero proof its me who made the transaction.

I understand that, but what you doing is technically illegal.

had some charge backs last month... some of them charged back 2-3 months...

a far nicer reply then I would have given him.

i been getting a few over the last few months on scorecash

now cause of them my total stats is
-$140


makes me look bad to scorecash

Interesting thread from a webmaster point of view!

you can fight them yourself. we win 60%
beating a scumbag at charging back is one of the most fulfilling things I have found in this life

Duke

you either

a) dont do any volume to talk about

b) full of shit

even mainstream companies, restaurants clubs get chargebacks, my guess is your simply full of shit

Europeans Billing Europe!

Chargebacks are inherent in EU direct debit transactions as well - we provide collection services for our direct debit joins in UK, Germany, Spain, Austria and the Netherlands and immediately blacklist the user and initiate collection efforts on any non-paid transaction. We go after principal and fees and credit the merchant with successfully recovered funds - the term 'credit' is a good thing in your Webbilling.com stats. 'Becomes a revenue stream of its own over time, as they cannot join any other site by direct debit we process for until they pay up...

Amen

Duke