psyko514

For those who don't know, I work as a customer service rep for TD Visa here in Kanada. Now before you all start to flame me for my affiliation with Visa, I work helping customers and I have nothing to do whatsoever with merchants or regulations concerning them.
However, I do have something to do with the chargeback process. When a cardholder calls to dispute a charge, I'm the one who outlines the chargeback procedures to him.
Being an adult webmaster, I know all about third party processors, and I know that when a guy has a charge from ccbill, globill, ibill, etc. he can go to the customer service site, put in certain pieces of information and see all the information regarding his charge.
so when cardholders call to dispute these charges, i first advise them to go to the customer service site and see for themselves. i've had people check it while they were on the phone with me and they're response is usually along the lines of "oooooh yeah... i remember that" or "oooh... that must be my husband/roommate/kid/etc". So I avoid chargebacks that way. Maybe I've even saved some of you a couple of bucks. And I'm doing my best to educate all my co-workers on this info as well.

Anyways, long story short (or maybe a little longer):
The guy sitting next to me took a call today from a guy trying to dispute a charge from ccBill on his statement. The guy was insisted that he never signed up for anything on the net. I over heard the call and got my co-worker to put him on hold.
We looked at his customer profile and luckily we had his email address because he uses our web banking service. So armed with his email address and cardnumber, we visited ccbill to check his account info. Sure enough, his name came up and he has a membership to PornKing which he started Oct. 10.
Let me tell you, he ended the call as quickly as possible when my co-worker fed him the info and offered to remind him of his username and password...