edit.... fuck..... 101, lol.

yo 6:57am called, they want to know why you didn't show up :2 cents:

im a lazy bastard bro, lol

they said that is unacceptable, and that "you get no mo happy ending"

You are right. I don't know where the money went either, and neither does my bank. :disgust

Duh -- it's in MVC's pocket. :winkwink:

Well thats what it looked like.. but how can that be?

Buddah00,

Please send me your email address or transaction ID to jungar-at-myvirtualcard dot com so I can have this looked into.

If anyone else has any questions, please feel free to email me as well.

Thanks,

Joshua
myVirtualCard

email sent

Your T.O.S. is some fucked up shit :2 cents:

Choker is like the Vikings. Using the sledgehammer first, then asking if you don't like it.
Still, outstanding traffic!

chocker is hot... Merry Christmas everybody!

Choker, try to look a little at us traffic buyers and what we have to stand and have no way to fight back...
As today I received 5 chargebacks from Verotel from 2003.....
And can do nothing about it. If we, as you see it are not following the rules, please send a mail so we can correct. Do not shoot on sight....Please. We all can make mistakes.

choker is a theif - he stole my heart and didn't give it back!

I am waiting for you to answer my last email

Yeah but what am I supposed to do? When I see a chargeback should I let the guys orders continue? There's lots of wierd things going on here. I will say that I just came back from a meeting with my attorney and after the holidays she will be very busy.

There is some foul shady shit going on here :disgust

If you have ever made a transaction through them make sure you check your accounts.

BTW choker, photogregg says, "Merry Christmas"

HAHA he did send me the pics he owed me and even more for free

Awwwww Damn I was wrong.

It appears this wasn't a simple error. but rather a complex situtation that was not caused by the consumer or the merchant. Very interesting.

I'm glad to see you guys working together now to figure this whole thing out. And I for one hope to see an answer as to what happened to the money.

Best of luck to both of you.

What a messed up thread :) Bashing and bashing, but it seems that things are resolving :p Shouldn't the title of the thread be altered??

Nothing has been resolved.

I don't think it was a simple error.

It was not caused by me or Choker though.

The issue stems from unauthorized charges being made by the processor.

so let me just throw something out there.


If a processor were to make an unauthorized charge to purchase service "A" and then charged back the vendor of the service, could they be in a spot where there could be an "error" and the money not returned to the bank of the persons who account was used to make and unauthorized charge?

I don't know about that, I do know that there is a processor that made unauthorized withdrawls from my account. :mad:

Buddah00,

I have offered to get on a conference call with you and your bank to see what happened with the charges. You have so far not obliged.

I wonder why you will not allow us to set up a conference call with your bank? We have received information from our acquiring bank that your issuing bank has issued a chargeback. And you are telling me that our acquiring bank has received no such information?

You can validate this claim by simply allowing us to arrange a conference call with your bank to see what happened.

You have also acknowledged in an email to me that you have made chargebacks through our processor - yet, you claim that you never received your money back from your own bank. As I mentioned, when your issuing bank allows a chargeback, THEY are the ones who must reimburse you - NOT US.

You have suggested to me in an email that there has been a chargeback, and you have not received your money back from your own issuing bank. Again, if the issuing bank allows the chargeback to go through, then they are the ones who pay you back. Your issuing bank is responsible for crediting your account, not us. If you did not get credited for your chargeback, then talk to your issuing bank.

Let's get this resolved by setting up a conference call with your issuing bank to see what happened with the chargeback, instead of bashing us on the boards here. Let's get this resolved.

Any updates yet??? I need to check my Virtual account.

I see no reason to have a conference call with you and my bank. They have told me all that I need to know.

Your aquiring bank made unauthorized withdrawls from my account. Which I did chargeback, and was credited for the money that was stolen from my account.

The transaction in question which was for choker was never chargedback, by me or my bank, they have no record of that kind of activity at all.

You are dancing around the issue of money being taken from my account by either you or your processor.

The reason is because we have received the chargeback from your bank! I want them to tell me they they never authorized the chargeback!

I'd like them to tell me directly, since I have information that indicates otherwise.

Once again, IF, and I do say IF since WE have no information of any other charges on your account other then to Choker, there was an illigitimate charge, then you already have claimed that you made a chargeback on them! If you made a chargeback, then it is your ISSUING BANK that needs to refund your money! Not us! It's not like we can just keep your money. And again, we have never made any illigitimate charges to your account.

As I mentioned before, we can set up a conference call with your bank to set the record straight.

I am telling you that they never authorized the chargeback. the same way that you are telling me that one has been made.


I did make a dispute on the money that was stolen from my account by ecopay. Didn't you tell me that they were your processor?
My bank did refund that money to my account because it was stolen by either you or ecopay.

Let's call up your bank so that they can explain to the both of us what went on. Why is this such an issue for you? If you are not hiding anything (i.e. that you actually did make a $50 chargeback to Choker), then you should have no problem.

If you still maintain that we somehow stole money from you, or just took it upon ourselves to fabricate a chargeback against Choker, then a quick 15 minute call to your bank should clarify everything.

I don't have anything to hide, nor do I have anything to prove to you. Why would I involve you in my banking when it has already been established that money was stolen from me.

I am not the first person to claim that unauthorized charges have been made by you.

What do you mean? You have the nerve to come on to a public board, and make all these allegations, but when it comes down to it, you refuse to get this resolved?

Where has it been established that money was stolen from you? I don't see any proof. The only transactions your made through our system was to make a purchase at chokers. I am stating this as a fact. Let's call up your bank so that you can refute this fact.

Who else claims that we have billed their card? I invite anyone who makes such a claim to contact me. We don't go around randomly billing credit cards.

Put your money where your mouth is. It seems to me that you are just trying to save face at our expense. Put your money where your mouth is.

If we make a mistake, I will be the first one to admit it. Ask any of our clients. We have made mistakes in the past, and will probably make mistakes in the future.

But we ALWAYS try to get the problem resovled as quickly as possible.

It has been established by my bank that you have stolen money from me.

I am tired of dealing with your lies. Email me your phone number and I will call you

You can reach me right now 514-287-0009 x 223. It's 5:10 PM EST. Make sure to have your bank's phone number with you so that we can do a conference call with your bank.

This is getting ugly.

Buddah00,

Thanks for the call. After speaking with both Buddah and his bank, we have determined that this is a mutual misunderstanding.

What had occurred was that Buddah was billed on our end for $50, but because ecopay bills in Euros, by the time his bank settled the transaction, it was listed on his statement for $49.21 instead of the $50.00 because of a fluctuation in the value of both the Euro and the USD.

As a result, Buddah did not recognize this as his initial purchase, and did in fact request a chargeback from his bank.

There was also another unrecognizable transaction on his account, so he thought that he may have been the victim of theft.

I am happy to see that we have come to a mutual understanding.

Joshua

I guess that about covers it all. I am glad that we were able to get it worked out before it got too ugly.

Choker has great traffic. Some things should be talked about on icq , email or the best way the phone.
( insert Choker reseller link here)

Wait a minute, you mean to tell me if someone makes a purchase of IE $50.00 thru you by the time it clears their bank the charge may be $49.50 or $50.50 depending upon the US dollar versus the Euro? Think this may explain why people see charges on their credit card statement they did not authorize then in turn they chargeback? I know if I paid $50.00 online for something then later saw a charge for $49.86 I sure as hell would charge back as I would remember if I made a charge for a odd amount like that.

This was the case. We have resolved that by doing USD processing on USD transactions. At the time, ecopay was unable to offer us this solution.

Anyway, I am glad this issue has been resolved. Happy Holidays all.

I am glad you think it is resolved. Who's out $100 plus $35 in chargeback fees here Joshua? Not you? And on another note, why was the chargeback not disputed to begin with?

Hey, that is so wonderful that this issue has been resolved as you say... but now let's talk about what can be done to never have this happen again.

sound like a plan?

This type of mistake can obviously happen at any time, as is obvious from what Choker and many others are saying. Choker sees a chargeback and suspends someone's account with him, the buyer freaks because he doesn't know what the deal is, and all the while MVC is at the center of it facilitating said chargeback due to varying exchange rates? Come on, there must be a way of letting the buyers know what's going on with these transactions so they won't read it as theft etc.

And while you're at it Joshua, why not comment on those parts of your TOS that I pointed out earlier that are very questionable from the standpoint of the merchant? How about that?

As it stands, it appears that you have some cute little clauses in there which way you are allowed to withhold the merchant's rightfully earned funds, and you can use said merchant's funds to pay for your own legal fees should the merchant ever sue you for whatever reason.

Trust me, if I was using your service and wasn't happy with it to the point of wanting to sue you, I would shout it to the four winds about you guys siezing my money and using it to defend against me.

Don't ignore the posts in this thread Joshua. I applaud your resolve to focus on the central issue here, but don't ignore the other issues raised. That's not only not cool it is laughable, to think that no one will notice.

I will get you taken care of as far as that goes Choker.

I never post but i feel so passionately about choker being wronged here..

Wow choker "could" of lost out on alot of business by false chargebacks! Im definetely gonna watch my statements closer and chargeback everything that doesnt equal the agreed amount!

Honestly feel bad for you choker!

bump for answers

I get the feeling Jungar Josh is ducking the questions here.

Interesting.

very late sig placement ;)