ChargeBacks What to do
 

Hey Guys,

For the first time in 2 years we got some chargebacks (10) of 2 different members.
Im wondering what its normal to do in this case, is there somewhere to report this fraudulent Transactions ?

Is there a site were we can post this kind of stuff so other Webmasters can Banned this motherfuckers in advance ? and this would not happen to them.
Im refferring to Ips, CC data, emails etc.

thxs :(

how the hell can a customer charge back an average of five charges? I've never seen more than two chargebacks on one customer...The rest are too old.

His business is webcams..

one customer can have numerous charges if he chats with different models at different times

Maybe in ur business is not normal that a customer buys credits up to 20-30 times per month or even spend 1000s of dollars.
But in Webcams is so.

And in this case one of the Members was using multiple cards. :(

ouch ouch

get used to it because you are going to see this shit skyrocket in 2009... :2 cents:

Man that's fucked.......I just had to stop a potential 99.95 chargeback the other day...I couldn't imagine someone charging back THOUSANDS.....

Thxs 4 ur Prayers .... I love how u always keep it positive :winkwink::thumbsup lol

In this case it was a total of 966,45 USD :(

hmm that hurts, i dont understand the chargeback police on webcams ... its like you go to moulin rouge, after you are done with few chicks you say you want chargeback cause it wasnt good as you thought ... but if you have it after two years, just pray that similar idiot will not find you again faster than at least in another two years :winkwink:

Yeah, chargebacks are bullshit all the way around. I've had guys buy VOD downloads and then chargeback. It's like I just gave my shit away for free :( And that's through CC Bill who just does the chargeback no questions asked.

Then in the members area I've had guys join and stay for months. I check the logs and see them on the site hundreds of times...and then one day they just go and chargeback and BAM! I get hit for 4 or 5 chargebacks. It's total bullshit. :(

ccbill doesnt do the chargeback, the bank does them, ccbill does the refunds

now does ccbill blacklist them once they charge back?

actually, it's more like going to see a movie at the theater and then afterwards going to the box office asking for a refund because you didn't enjoy it. how many times does that happen? but when some cheap fucker spends almost the entire month on a a site and downloads all the content, all he has to do is call Visa and bam!...here's your money back sir.

i got a chargeback on a $3.95 trial! i don't mean after they got charged for the full price membership...i mean for the $3.95!

speaking of that, i think trial just attract cheap fuckers :321GFY

Correct not only CCBill all processors work that way

Im not sure about that.

But i think in our case its kind of impossible they can comeback with a different IP, different Email and different Card and were Fucked again :(

We get 2-3 a month on the phone sex end of things :( :(

Ya can't fight them unless you have a signature with some of the banks... Or direct emails with their names on the email and an IP from the email from their area discussing the service indepth..

It's VERY hard to win webcam and phonesex chargebacks.

however, I background check the fucker... find his mom/wife and try to do a collection ;) while informing them of his fucked up fetish.

Find this dudes wife and provide proof of whatever girl he did his shows with.. I'm sure she'll appreciate it ;)

Then give some song and dance about how that girl will now not be able to afford her books for school this semester because she has to eat the fees.

That should work until you get your ass sued for either the collections issue itself or either them being truthful or not and saying that the card was stolen and used without his permission.

How would the collection issue get me sued? I'm calling the house and recounting what the service was.

And I always check to make sure the phone number used is also the phone listed with the CB info... I always point that out.

Most CBs for cam and porn come because the guy thinks one day he'll maybe meet the girl.. then 6k later, he realizes no.

with a merchant account you can fight them, and you actually win alot of them too.

Thats my one gripe about 3rd party billers is they roll over way too quickly.
Duke

I would be your duty to understand collection laws in all of the states. For example in a few states off the top of my head leaving a descriptive message or speaking about the debt to another besides the actual person is illegal.

You can sue them. I know a website cam owner who have sued a few surfers so far and won :)

You have to differentiate between the different types of chargebacks.

There are truly stolen cards or card numbers used without the owner's permission. (Nothing you can do but learn from each case and constantly improve your transaction monitoring and detection procedures. Don't rely on your processor to do it for you).

There are scumbag chargebacks where the customer received the service and just didn't want to pay or maybe got carried away and overspent then panicked when his wife saw the bill or it became time to pay it. (These fuckers can and should be sued but you have to identify them)

And of course there are also cases where the site screwed the customer and didn't deliver what was promised and wouldn't compensate or refund where compensation should be due and left the cardholder with no other recourse to get his money back.

I don't want to demoralise anybody but I have seen a 5 month old chargeback this month, and that's not the oldest I have ever seen.

chargabacks sucks

This reminds me of one company, at one of the shows.

Was quite a cool and simple idea, they had a small sign saying FUCK CHARGEBACKS

Sorry that it is off topic.

Hope u can solve yur problem

Yay! That sucks.

CB's suck ass :mad:

How do you 'stop' a CB?

I don't think what you do is legal. Its called blackmailing.

what if some douche from Romania stole his CC and full info and used that to pay for fun? Lets say you call my wife and start telling her that I was on gay cam for 30 hours and she comes home all pissed and who know what else. I would make it my life long achievement to find you and make YOU have sex with 6'6' guy named Rodrigo in Texas jail.

That has probably NO solution. I was more into finding out if there was a place to report thins kind of things. I can imagine this 2 Motherfuckers as Members in some of ur sites and maybe some CB´s on the future.

If theres not such a thing, it would not ba a bad idea to create a site, where we Webmasters report Ip´s, emails, names and even CC that have come in the past as Fraudulent. That might save some of us a lot of money.

don´t waste your time fighting and being worried about CB´s.
Simply take the % of CB´s from your gross income, and rise your prices about this %.

:2 cents:

Yeah kind of a Shaky issue there.

I think this is not possible in this case, you might be sueing people whos cards were stolen and at the end u would loose and together with it a bunch of money on fees.

To what kind of improovements or procedures do u refer ?

I heard that banks are reversing a lot of charges like this when a cardholder files for bankruptcy. Anyone know anything about this?

Call them up. They will say their card was stolen. Tell them you have to call the local police and file a police report. They won't like that and allow you to charge them.

visa has rules regarding chargebacks, a merchant can dispute a chargeback if there is proof the user used the service.

I stopped a POTENTIAL chargeback by voiding a $99 transaction that some new affiliate from vietnam with a bogus website put through....The card was in a woman's name also and that's a BIG red flag...

So instead of being greedy and taking the money, then losing it on a future chargeback I voided it now, avoiding the chargeback and having to get $99 deducted from a future check.

It wouldn't be very wise for me to give details on a public forum so I am not going to, but send me an email from your domain name to paul at my "user name" here (dot com) and I will see if I can offer you some assistance.

good move.
:thumbsup

2 years and this is your first charge back? No matter what kind of business is being done that doesn't seem right...

What gets me is that these idiots can easily charge back thousands of dollars that they legitimately spent yet, I had one of my credit cards stolen and used at a bar and I am still fighting Mastercard over those charges even though I reported the card stolen.

That's why you differentiate on what they are claiming in the chargeback. If they claim stolen card.. then nothing you can do.

If they claim "fraudulant" or "I Didn't make these charges" but it's from their home phone number.. then I do it.

Yes but in webcam and phone sex... Some banks like MCCS won't take anything but a signature... Sometimes with Humboldt (pre being bought.. I haven't disputed a cb with them since they changed hands).... You could provide proof of phone number, address, or email...

But with cam and phone sex.. the instance of it being charged back is so high.. that the banks are complete dicks to us when it comes to winning.

We have big guys who try to extort us sometimes. They'll verify with signature and everything... rack up $30k in one year... Then try strong hold us into a discount of they'll "chargeback".....

sorry to hear, I used to get crushed with paypal chargebacks.. ><

I know a few webcam sites will ban the member when they do more than one chargeback.

I've gotten a person blacklisted from any ccbill transactions. I think CCBill was only able to blacklist their email though.