When we suspect a purchases might chargeback, we call ahead of time to verify that the card holder was the person who actually made the purchase. If it is not, we void the transaction at CCBill to stop our chargeback rate from climbing.
If we miss one and it becomes a chargeback, we call them to ask why. We get some of the coolest excuses:
- It wasn't me.
- It wasn't me, it was my son.
- No excuse just please don't tell my wife.
- It was my wife's credit card and she saw the charge and questioned me.
- I'm poor and can't afford it
- I'm disabled and can't afford it
- I'm on welfare and can't afford it
- I didn't cum
- I felt guilty afterwards.
The BEST one (or worst one depending how you look at it) was a woman who, upon getting our phone called, freaked out because it was her daughter who had made the purchases... "You fucking little dyke you stole my card didn't you? How many times do I have to tell you that gay girl sex is wrong! I am going to send you back to that special doctor if you don't get over your evil facination with girls!"
I felt really bad for the girl. She's a teen and she likes girls. Big deal. Stupid mom can't cope and is embarrased by her kid's choices. She's the one who needs to go to the "special doctor" whatever he is...
Anyway...
So we send them a collection letter but of course it doesn't work. Every once in a while we will threaten to file a police report AND turn over the chat logs which include dates, times IP Address. Usually chat logs that are pretty fucked up ("Hey girl, can you hold your dildo like it was your own cock and jerk it off for me?") get the best response.
Tee hee
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