leetservers Posted July 10, 2008 Share Posted July 10, 2008 Hi All!! Since we have to be politically correct these days, If you have a customer from Cherry Hill, NJ. I'd suggest you contact me so we can compare notes before you get ripped off. =bobby Link to comment Share on other sites More sharing options...
Defcon|Rich Posted July 10, 2008 Share Posted July 10, 2008 Chargeback came in this morning from that guy via paypal. I'm sure we're talking about the same person. Initials are JS ? Link to comment Share on other sites More sharing options...
JasonF Posted July 10, 2008 Share Posted July 10, 2008 I have a person that chargebacked on me with the initials J.S. He listed his residence as Lowell, MA Link to comment Share on other sites More sharing options...
Defcon|Rich Posted July 10, 2008 Share Posted July 10, 2008 Just got off the phone with him.. He admits ordering servers from us and "a few" others. His explanation was he didn't know his parents CC was on the paypal account and when it was found they started disputing the charges.. A total of 7 through us alone equaling almost $400. I advised him of the potential legal issues he faces and encouraged him to speak to the parents as we have more then enough proof to overturn the charges. Good luck! Link to comment Share on other sites More sharing options...
adamnp Posted July 10, 2008 Share Posted July 10, 2008 Had this guy a cpl months back, had the server for 2 months then second payment came and they issued 2 chargebacks. I had to phone paypal to rectify the issue, and I did get my funds returned after 3 phonecalls. I find it amazing sometimes that some of these people's paypal accounts aren't removed when consistent issues arise from them. Link to comment Share on other sites More sharing options...
JasonF Posted July 10, 2008 Share Posted July 10, 2008 Paypal is HORRIBLE with fraud protection. They honestly don't care because any fee they incur from the chargeback will be diverted to you so no skin off of their back. Link to comment Share on other sites More sharing options...
leetservers Posted July 10, 2008 Author Share Posted July 10, 2008 Yep, seems like the SKY is falling today! Got us for $400, I spoke to him also. Typical BS and I'm sure Paypal's hands are tied with the CC company. =bobby Link to comment Share on other sites More sharing options...
WR-Rob Posted July 11, 2008 Share Posted July 11, 2008 Guys, as ive not been hit by anything as of yet "touch wood" What is it to look out for? apart from the name etc? How are you getting hit as such. Are all your systems automatic so that as soon as something is payed for it goes active? If a situation arises can you not simply switch off there services? and that be the end of it? im just not clued up as to how the money side of things can hurt the business as all they are doing is taking away the funds that customer paid?! am i correct? Link to comment Share on other sites More sharing options...
JasonF Posted July 11, 2008 Share Posted July 11, 2008 Rob, they usually wait 1-2 months before filing a chargeback so they get to use your services for free. The cherry on top is you lose even more money because you get hit with a chargeback fee. Link to comment Share on other sites More sharing options...
jcroom Posted July 11, 2008 Share Posted July 11, 2008 I hope I don't get hit, is there anything yall can legally do? Link to comment Share on other sites More sharing options...
Defcon|Rich Posted July 11, 2008 Share Posted July 11, 2008 I hope I don't get hit, is there anything yall can legally do? We have signup receipts, Fraud Guard screening receipts and several support tickets/emails all with this guys information and ip address so it's pretty much a slam dunk. Link to comment Share on other sites More sharing options...
jcroom Posted July 11, 2008 Share Posted July 11, 2008 Good, I hope you get your money back. Link to comment Share on other sites More sharing options...
WR-Rob Posted July 11, 2008 Share Posted July 11, 2008 Ok thank you for the infomation. Is there any payment companys like paypal that work better against fraud like this? Even with a monthly cost etc? Even tho we are only going to be using paypal short term before we bring our bank payment system up online i would like to secure against this. Thinking about it i think i do have a fraudulant customer on the books, as they seems to pick the largest vent service i offer and ive noticed it not being used and the address was spanish. So i will go thro the process now of speaking to paypal before he gets the chance to try and conn me. Link to comment Share on other sites More sharing options...
ECF Posted July 11, 2008 Share Posted July 11, 2008 There are a few fraud prevention services out there, however if the person pays via credit card and then does a chargeback then you simply eat it. Just save the chargebacks and write them off on your taxes at the end of the year. You will never win a chargeback unless you have a signed sales slip. Link to comment Share on other sites More sharing options...
adamnp Posted July 11, 2008 Share Posted July 11, 2008 Fax required for $$ sales Link to comment Share on other sites More sharing options...
Derek Posted July 11, 2008 Share Posted July 11, 2008 MaxMind I here is pretty good! Link to comment Share on other sites More sharing options...
jcroom Posted July 16, 2008 Share Posted July 16, 2008 You will never win a chargeback unless you have a signed sales slip. I think if this is the case, the government should put in place new laws to protect e-commerce business'. Link to comment Share on other sites More sharing options...
[cbl] jon Posted July 16, 2008 Share Posted July 16, 2008 Thanks for the heads up. Will keep an eye out for him Link to comment Share on other sites More sharing options...
Defcon|Rich Posted July 16, 2008 Share Posted July 16, 2008 If your business is distinguished as a "card not present" establishment those rules don't apply. It's much easier winning a dispute if you have a copy of the card in hand but not required for a reversal. To win a dispute you should at minimum provide: 1. Proof of positive AVS/CVV 2. Positive GeoIP information (IE: Maxmind, FraudGuard reports) 3. Copy of Original signup receipt 4. Copy of order/setup email 5. Any correspondence with client (support requests, email etc.) Keep in mind there are two different kinds of fraud orders. Most of the ones we see are like the one described in this topic where the client signs up using his CC and later on decides for whatever reason to issue a charge back.. In this case the reason given was "Don't recognize the charge" This type isn't difficult to win since we can pretty easily demonstrate to the CC company the card holder is the same person who placed the order by submitting the documents outlined above which show beyond a doubt the order was legit. Hope this helps! Link to comment Share on other sites More sharing options...
ECF Posted July 16, 2008 Share Posted July 16, 2008 Then of course you also get the stolen credit card orders which are truly fraud. These are called "Unauthorized Transactions" and you will not get your $$$ back regardless of what you do. Link to comment Share on other sites More sharing options...
kalyse Posted July 16, 2008 Share Posted July 16, 2008 The most frustrating things I found was when I protested a 6BP web hosting charge with Paypal. I knew the guy who purchased (not personally obviously) but through ALOT of support time. On top of loosing the 6GBP they charged me 7GBP. So for that transaction I lost 7GBP plus his intiial transaction. Link to comment Share on other sites More sharing options...
ribshap Posted July 16, 2008 Share Posted July 16, 2008 Ive became almost bankrupt and have spent almost a dozen thousand out of my own pocket for my clothing business because of stolen credit cards/people charge backing. The difference with a server is, you only lose bandwidth. When I was selling clothes, I would not only lose the money from the chargeback, but also lose the money spent on sending and buying the clothes in the first place. Since I worked with drop shipping from China, I never physically touched the clothes. How it would work; I put hoodie on website Someone orders hoodie for $60 I send my supplier $40, he sends the hoodie to address provided (only did addresses that match credit card address) customer does charge back 2-3 months later they get their $60 back, I lose the $40 sent to China, and now I get a $20 charge back fee from Merchant Services (really shitty credit card processing company, I do not recommend them) This is one of the main reasons I had to stop selling servers, because the clothing business was just dominating my money. Ive provided signed tracking numbers to the company, but they dont care. All the chargebacks come back as "Did not approve of transaction" yeah but I bet your son approves of the clothes he is wearing for free now huh? Link to comment Share on other sites More sharing options...
leetservers Posted July 17, 2008 Author Share Posted July 17, 2008 We try to compare ip's and address's when we can. the impossible is when 14yr old johnny uses moms CC, you will never win on that type of chargback. At one point we faxed signed docs with dedi sales so we have the card and sig. we still LOST the chargeback. "mommy" said johnny forged her sig, so you can't win. I consider chargebacks a price of doing business, just like advertising. I know the buck a slot idiots dont factor that stuff in for sure... Link to comment Share on other sites More sharing options...
jcroom Posted July 17, 2008 Share Posted July 17, 2008 You should be able to take her to court to get your money back, since parents are legally responsible for their kids. Unless he was over 18. Link to comment Share on other sites More sharing options...
leetservers Posted July 18, 2008 Author Share Posted July 18, 2008 Court? LOL Have you ever used an attorney? I'm going to hire a lawyer to pursue $250? Thats pretty silly... =bobby Link to comment Share on other sites More sharing options...
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