FYI Someone can chargeback up to a years worth of a membership..

my bank allows 14 months of chargebacks... i heard 16 and 18 was possible aswell... but the bank might take the hit themself for everything over 12 months, i dunno

the bank never takes the hit, it's always charged back to the mechant including a nice penalty fee

How the fuck can you idiots not know that it is the bank that issue credit card which is responsible for initiating the customer chargeback? Has nothing to do with CCBill. They can try to fight but it basically means that the bank has to take sides with their customer in a dispute about virtual goods. That almost never happens. Only other way is to argue with the card holder and get him to call his bank and reverse it which also almost never happens.

These days, it seems people will trample their own dignity for even a little bit of money. Dude would have to basically act like a retard in that entire conversation with his CC company/bank. If I were them, I'd have said:

"Oh hey sir - while we have you on the phone, your account's closed. Poof! Get an account somewhere else, idiot. Oh wait, you won't be able to because your credit will be FUCKED. Also, we have these things called bl...er, happy lists...where if you make it to the happy list, all my buddies at the other companies will be like 'wow, that guy is so happy, he must not need another account with a company like us!' So yea, should have thought about that before ya called us, huh? Have fun curled up in a ball crying."

happens all the time. welcome to merchant accounts.
people join all the time. use the site for 6 months.
site has the records to prove the bandwidth usage. proves beyond a shadow of a doubt that it is legit.
bank fucks the merchant. happens all the time. they know people do this. we have been told many times.
the bank knows that consumers do this. they even have a name for it. "friendly fraud" is what they call it.
bank will always take the side of the customer.
always. when dealing with porn.
never won a dispute. ever.

Same thread about every year or so... yep they can and yep they will. Hire a chargeback company to go after them

how can they do anything?

if the customer says they haven't purchased and it's not in person with a card present, there isn't shit you can do. NOTHING.

doesnt matter if you have their IP. they didn't do it, and the bank won't side with you.

sorry.

That is nuts, I have actually bought a member to LTC sites, took the cross sale and rebilled a couple times. Quality spankin' materials in there, plus I like to waste my time imagining what Karla Spice's butt hole looks like. Hell I even made a blog for Latinas so I could spend more time looking at Pacino's content, and I have only worked with gay since I started online 5 years ago, lol. LatinTeenCash ftw.

After I started reading the first post I checked the date as I was sure i'd already read it.

Well that is one good thing I have heard in this thread so far :D

I read in another adult forum that someone got +2 years of chargebacks on a revshare customer!

It can happen. You can try and dispute it but usually people don't bother.

Fuck, that's just scary. And fucks up your CB ratio big time, that's scary even more. What's the accepted cb ratio? 1%? 2%?

Strange to see this considering that Federal Law regulates the banking industry and unlike some people have claimed, they do have limitations for this sort of thing.

Here are the facts:

In 1978 the U.S. Congress passed the Electronic Funds Transfer Act which ties in nicely to the Truth in Lending Act and is known in the banking industry as "Regulation Z." Although these laws were passed to protect consumer rights, they also contribute to defining the rights of merchants by limiting the time a customer has to file a chargeback.

This regulation puts a 60 day limit on claims from the date the statement is issued. The card issuing bank then has 45 days to resolve the matter.

Under Electronic Funds Transfer we see the mention of "payment cards" which then links to this page defining payment cards as:

# 1 Types

* 1.1 Credit card
* 1.2 Debit card
* 1.3 Charge card
* 1.4 Stored-value card
* 1.5 Fleet card
* 1.6 Other

So basically, Reg Z also assists in protecting merchants against any chargebacks that are attempted after the 60 day post statement limitations are spent. If a bank has pushed chargebacks beyond this then they are not following Federal Law.

I'd consider taking both the customer and the bank to court.

That's fucking crazy.