Fucking Chargeback Scammers
 

Hi,

How often do you run into these fuckers? They join the site, spend the entire month on it, then they do a chrgeback! WTF! I mean if there was something you didn't like about the site, you definitely wouldn't wait a month to get your money back! :mad:

ive come accross many of them, but I have learnt from my mistakes and only deal with trust worthy people. I also don't do paypal sales with new fags.

One month? Try three, four and more in some cases.

Daaaam! Did you ban them afterwards?

Yep, had some of those as well. They download entire member areas and then charge back with stuff like "moving on".

Me thinks you is on da wrong page..

i havent had one single charbeback on any program in the 9 + years ive been in adult maybe im lucky

Happens all the time... Twats deserve to be hit with shady cross sales.

fucking thieves, they should get their hands cut off

super lucky

If you've got a merchant account there are chargeback resolution companies you can hire... They fight your cb's for you and get money back from the bank.

I fight back. I have a process whereby I put the chargeback on their credit report. Just before the financial collapse, I received 3 phone calls from customers saying that they were having problems refinancing their homes due to the information that I had put on their credit report and they want to settle. In addition to the membership fee and chargeback fee, I charge them a $600.00 administrative/legal fee to remove the info from their credit report. Guess what, they gladly pay up.

Two weeks ago I received documents from Federal Bankruptcy court because a chargeback customer listed the fees as a debt in their bankruptcy. Payback is bitching.

We win 85% of our chargebacks now, we have figured out how to win them. It's not the money that we care about, it's these fucks putting our account at risk by CBing 4-5 transactions at once.

I'd be interested in your process. Care to share how you do it? admin at morepowerprofits dot com Cheers!

How do you do this without having the SS number of the individual. I trust this process takes some detective work. I would be interested in learning more if you are interested in sharing.

I don't know of a way to do this without a SS #. If you are willing to share we will pay for the information.

Do these cb resolution companies get the $35 fee per cb back for you as well? I pay thousands every month on just fees paid for every fucking cb that comes in.

Since Paypals TOS does not allow porn that might be a good idea.
Do you have any idea what you are talking about?:(

I don't understand that, hmm spam spam spam...:error

Ive seen tards posting on mainstream forums about how to scam sites with cb's. I wish the banks would take a harder stance.

Im going to leave it as a language barrier issue, but you posted in this thread about something totally different than what the thread was about. Ill leave it at that.

To those that asked. My process is that when someone does a chargeback, I check the transaction for a valid AVS, CVV2 and the IP address for the ISP and location information. If everything is in order, I send a registered letter with return receipt to the customer explaining that I?m from the loss prevention department of company X and I?m following up on a potentially fraudulent chargeback. The letter explains the validity of the transaction as well as if the charge was made by a relative or friend that a crime may?ve been committed. In sum, the customer is encouraged to call my office to discuss this.

If the customer calls, I reinforce the message in the letter and let them know that all is forgotten if they send a check or money order to cover the transaction and chargeback fee. I had one lady tell me that her 15 year old son made the charge and I explained that criminal charges could be brought against him for stealing and using a credit card. She decided to pay but she wanted an invoice along with the user name and password.

If the customer does not respond within 10 to 30 days, usually 30 days, I submit their information to an online collection agency. The online collection agency will provide you with a copy of the customer?s credit report if you desire (you don?t need that), send collection letters to the customer as well as place the information on the customer?s credit report for all 3 credit bureaus. The fee for this is about $20.

Again, if the customer does not respond, it?s on their credit report and I?m done for now. In the future when they try to buy a car, house, refinance, get a job, etc. they will need to address this issue and you will be waiting. At that time I want the membership fee, chargeback fee plus the $600. If they pay that I will drop the interest charges per my TOS and provide them with a PFD letter.

As stated earlier, I add a $600.00 fee on top of all the transaction fees. I got that idea from an attorney who handles shoplifting cases for department stores. He explained that if a store decides to let you go after being arrested, they charge you something like a $300 fee on top of any damages. The fee is basically 1 hour of attorney time to handle administrative stuff. Using that as a guideline for reasonable fees, I came up with the additional $600 (1 hour of attorney time at $500/hour plus the $100 to cover phone calls, copying fees, etc.). I?m not using an attorney but that?s my penalty fee to the customer.

Exercise good judgment when the customer contacts you. Is their story believable?

either you're full of shit or you don't have many members....

No, not believable.
One wrong claim on your behalf and one person with little bit of knowlege of how things work and you're in deep shit.

that's some good info! which on-line collection agency do you use?

And how exactly would you even place negative information on the users credit report without their social security number?

fuck the chargeback

That's why the entire process is documented with letters. Been doing this for years with no problems.

I use Old Debts. Their prices are good.

You must be dealing with total idiots. Signing slip for certified letter is not admission of guilt. All they would have to do is send you letter with request to validate debt and you will end up spending more on postage in the future. You will be required by law to provide detailed explanation of debt, your license, payment agreements.
I have mainstream merchant account and even that account comes with “digital transaction” crap that basically says I can’t fight chargebacks because I don’t have sufficient evidence to prove that the card owner himself committed fraud. You’ll have 30 days to do all that or its cease and desist.

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.:winkwink:

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

Exactly.... if you do any amount of sales, you will have chargebacks, it's a numbers game.

Against the rumors I am actually a nice guy... lol too nice most of the time. :winkwink:

Thanks for sharing, might try that with mainstream as well