I read in another adult forum that someone got +2 years of chargebacks on a revshare customer!

It can happen. You can try and dispute it but usually people don't bother.

Fuck, that's just scary. And fucks up your CB ratio big time, that's scary even more. What's the accepted cb ratio? 1%? 2%?

Strange to see this considering that Federal Law regulates the banking industry and unlike some people have claimed, they do have limitations for this sort of thing.

Here are the facts:

In 1978 the U.S. Congress passed the Electronic Funds Transfer Act which ties in nicely to the Truth in Lending Act and is known in the banking industry as "Regulation Z." Although these laws were passed to protect consumer rights, they also contribute to defining the rights of merchants by limiting the time a customer has to file a chargeback.

This regulation puts a 60 day limit on claims from the date the statement is issued. The card issuing bank then has 45 days to resolve the matter.

Under Electronic Funds Transfer we see the mention of "payment cards" which then links to this page defining payment cards as:

# 1 Types

* 1.1 Credit card
* 1.2 Debit card
* 1.3 Charge card
* 1.4 Stored-value card
* 1.5 Fleet card
* 1.6 Other

So basically, Reg Z also assists in protecting merchants against any chargebacks that are attempted after the 60 day post statement limitations are spent. If a bank has pushed chargebacks beyond this then they are not following Federal Law.

I'd consider taking both the customer and the bank to court. :2 cents:

That's fucking crazy.

yes you can do a year or so. I did it myself. Got poped by reservations rewards awhile back. Wife bought proflowers then theirs that "click here for discont" shit. She does not know better so she clicks it. It then took the CC info from proflowers and signed her up for something. They billed me for almost a year before i finally asked my wife wtf she was subscribed too. She didnt know. My fault shoudl not have assumed she did. But needless to say called citibank and 5 minutes later I was done. They wiped off 12 months worth and said it was a "common chargeback". (was 14.99 a month)

And I nor my wife has EVER EVER EVER used proflowers again. Humm why is the adlut sales so fucked too...xsales anyone lol. Its a bad feeling to get duped.

Your fault yet you charged back anyway. Typical friendly fraud.

Europe's new regulations for payment methods (credit cards, direct debits and others) say a chargeback can be done up to 56 weeks after the charge was done in some cases, this may be one of those cases.

yep. She never put in her CC info. Was taken from one site to another just like a xsale. Well it was a xsale. Thats why no one buys porn. Same shit. they buy one time and get billed 200 bucks for a memebership they thought was 25 bucks. My point was we did it all to ourselves. Shady billing thats why the CC companies will let you charge back just about any service on the internet. And you are miss quoting and highlighting. Its not MY FAULT for the xsale. It was MY FAULT for wating so long to ask my wife about it. If they would not have done the shady xsale we would not have been in the situation to start with.

As a person with a banking background who has listened to these excuses WAY too many times, I still file this under personal responsibility.

Your wife is responsible because she did not pay attention to what she was doing. If you are the person who handles the finances and bills then you are responsible for not stopping the charges sooner.

I had just someone chargeback 4 months worth of memberships to one site. It's shitty, but really what can you do?

Good luck with suing the merchant bank. Because when fraud is alleged - there is no set time limit to file prior to discovering the allegedly fraudulent transactions.

On a related note, time frames and other requirements stated in consumer protection statues are often minimums - it may be legally permissible for a company to offer additional consumer protection, such as more time to file a chargeback.

Ron

There are steps you can take to fight the chargebacks and things that could have been done before the chargebacks occurred. It comes down to whether it is your own merchant account and how the customer service is handled.

Partially why we took the time to secure our own merchant acct and why we use Netbilling :thumbsup

run better sites? :1orglaugh:1orglaugh just kidding

Do you have anything in your TOS about accessing the site, charge backs and any other pertinent info regarding memberships to your site.

If not, then nothing you can do about it, eat the loss and shut up.

For Europe, this is the law

http://eur-lex.europa.eu/LexUriServ/...001:01:EN:HTML

I've done a couple of chargebacks (not friendly fraud) and in one case the merchant provided counter evidence against the chargeback. There was evidence back and forth a couple of times (complainant - merchant via their banks) before it was upheld. Why don't ccbill do this?

It's probably easier to only put up so much resistance. If you let the customer get pissed they just post stuff like this:

(Non-link to prevent adding to it's SEO)

For every customer posting something like this 1,000 see it and decide not to buy. :( I'd be happy if they just put up some minor resistance and bullshit to scare those who casually try to abuse it. If they persist it's probably best to just allow it or you'll get more of the crap you see at the link above which will turn away even more customers.

You put too much weight on sigwhores. Who cares about the sigs anyway? I have disabled them. Too much noise.