[Choice Checks]

I have been hit with several orders that are fraud but looks to be legit for an order.

The billing/shipping are the same, IP address, are from the same area, but a few hrs later on, using my live chat program, saw they used the IP address that was bouncing from UK and other areas. After calling my merchant services, i obtained the credit card number, and called the issuing company. It was from Sears issued by Citi Card. I almost lost more than $1500.

No matter what kind of order and it looks to be legit....i always call and verify the order. If i cant verify the order with the customer and their CC, then the order will be canceled. Wanted to pass this info on to help someone else loosing money.

[rgacom120]

This is why for large overseas orders we require wire transfers only...Ive had some orders that seemed like fraud, but ended up having the cash to send so It wasnt a problem.

[drhall]

If you shipped to the verified billing address (AVS=Y), I would challenge the chargeback. You may win, especially if you required a signed delivery confirmation.

[Matt]

Originally Posted by drhall

If you shipped to the verified billing address (AVS=Y), I would challenge the chargeback. You may win, especially if you required a signed delivery confirmation.

Unfortunately, I know first hand that is probably won't be the case. I shipped an order and had a full AVS match, the bill to/ship to the same, and the customer signed his full name to prove the delivery confirmation. I was still chargebacked for the amount. In my opinion, regardless of the order, merchants will ALWAYS get the short end of the stick.

The banks have all the money, why can't they take responsibilty for chargebacks when all of the security checks have been verified by the merchant? Its so freakin frustrating!!!

[drhall]

Matt,

Did you challenge the chargeback and send them all of the facts? I have had this happen several times and they always gave up reversed the chargeback when I presented the evidence..

[Matt]

Originally Posted by drhall

Matt,

Did you challenge the chargeback and send them all of the facts? I have had this happen several times and they always gave up reversed the chargeback when I presented the evidence..

I did, but the customer insisted it wasn't him. Even though this guy placed two other orders with us and he did not have any issue with them. I chalked it up as a loss. Everyone gets whats coming to them in the end though. I hate thieves.

PS: The guy at "chargeback processing center" didn't even care to see more of my supporting documents. He just said "we can't do anything about it, the bank has made a ruling". Complete joke and waste of time.

[Kershaw Store]

Credit card companies regardless what they say could care less about credit card fraud. They do not lose a dime; in fact they make more money. The merchant is charged the fee for accepting the card. Then the merchant loses their money and also pays a chargeback fee on top of the other fees. The credit card company is not out a dime, the card holder is not out a dime, but the merchant has footed the entire bill and then some.

[Patti]

Matt -

I've had this happen to me before, and I let them know that I would be filing a police report at their local police station, and also reporting it to the FBI's Internet Crimes Division, as well as the US Postal Service. They usually "remember" letting their son borrow their card - or some other bs story - after that.

Once it was a business and they claimed a chargeback because the employee who placed the order "wasn't authorized" to use the card (the products were for the business, not personal use). Once I told them I had to get the police, FBI and Postal Service involved, they decided to drop the chargeback.

I have a standard refrain: "Sir, you claim that a federal crime has been committed. I have no choice but to report it and make sure that it's properly investigated."

[Matt]

Originally Posted by Patti

Matt -

I've had this happen to me before, and I let them know that I would be filing a police report at their local police station, and also reporting it to the FBI's Internet Crimes Division, as well as the US Postal Service. They usually "remember" letting their son borrow their card - or some other bs story - after that.

Once it was a business and they claimed a chargeback because the employee who placed the order "wasn't authorized" to use the card (the products were for the business, not personal use). Once I told them I had to get the police, FBI and Postal Service involved, they decided to drop the chargeback.

I have a standard refrain: "Sir, you claim that a federal crime has been committed. I have no choice but to report it and make sure that it's properly investigated."

Well I ended up filling a police report in the guy's local county and I also sent him to a collection agency. I'll let you know how it turns out.

[Patti]

Great! I hope it helps and you get your money back.

If nothing else, the guy won't try it again, and he won't influence other people to do it.