[vineripe]

Does anyone know of a union or membership for the MERCHANTS?

Visa/MC law give all the rights to the customers and none to the merchants. But what can we do about it???

True Story... Going through it right now!

Customer orders $1600 worth of merchandise. We ship his order in 24 hours. His business employees sign for orders (sent UPS- w/insurance and signature -they arrive in two batches - over two consecutive days) 49 days later he DISPUTES charges and claims he never received orders.

I call him and he tells me he did receive orders but he doesntlike quality so he is not going to pay for items. So I tell him then RETURN the items!!! He laughs and tells me he doesn't have to. He knows his rights with his credit card and he doesnt have to!!!

So I respond tot he dispute with Visa/Mc and tried to play the recording of the phone call (they wouldnt listen to it). Then I contacted UPS for the insurance claim on it. UPS contacts customer and customer tells them He received ordered and has no idea why we file claim. UPS denies my claim and Visa/MC awards him the $1600. Want to know why?

VISA/MC LAW STATES -The actual cardholder must sign for the items! Since his employees signed for it, it wasnt actually him - he won the case!

SO....is this customer commiting credit card FRAUD with Visa/MC or is he commiting insurance FRAUD with UPS?

EITHER WAY vISA/mc DOES nothing TO protect the merchants!!!

There has to be some sort of association of group that can join together and fight against these corporate credit card giants for fairness for the merchant also!

[RickT]

You might sign up with www.merchant911.org

They are not going to go to bat for you, but they do provide a sounding board and keep their members informed about online fraud.

As far as your customer, what is his business? Might be fun to order something from him, then chargeback, and see how he likes it! Just unbelievable how dishonest some people can be. I guess you could try to sue him in small claims court. The fraud is against YOU. Of course, that may not be practical when they aren't in your area.

[jgreco5]

I would file a police report against the employee that signed for it. That would put the pressure in the boss

[PeteA]

Originally Posted by jgreco5

I would file a police report against the employee that signed for it. That would put the pressure in the boss

That seems like the best solution. For the sake of irony, report it as credit card theft since you have a record of the delivery and the order.

[Rick H.]

I would think that from a legal standpoint, the receiver was a working, paid employee of the customer, and would therefore be considered as an "agent" of the customer - so the customer would still be responsible.

Also, I would ask Visa/MC to provide the document that states that the cardholder must sign for receipt of the shipment. I looked over their "rules" and found nothing. Did they misunderstand you???

Keep fighting it....and go higher up the ladder - start with your own merchant account bank - and get them on your side. One time I got all the way to the Chairman/CEO/President's office of a major bank that we all know.

I did not get to speak to the chief, but I got the attention of his upper management staff - and got results.


Rick H.

[RickT]

Yea, I like the idea of filing a police report. For $1600, I would not lie down and take it. As Rick H. says, fight this all the way to the top.