15 replies to this topic

[BigWilly]

Hi,

Following happened to me:

- A Customer ordered at my website items for a total of $296.69
- Items were sent to customer
- 6 weeks later, I receive a Charge-Back for this amount (No Cardholder Authorization = stolen credit card)

Paymentech, which is our credit card processor (we have received the letter about the charge-back from them) can't do anything about that.

Now I am wondering what I could do about that. I do have proof that the package was delivered so I have at least the address of the ****ole who used the stolen credit card.

Do you think it's worth to contact the police? Will they do something about that? Or should I just forget about it?

Thanks a lot!

Edited by BigWilly, 31 August 2006 - 08:01 PM.

[rommany]

Forget about it, the police would do nothing about it as this happen thousands of times a day, just take it on the chin and learn from, i always ring the customer for order over £100 and ask them a few questions before i send the item, and if i still have a problem with it i will not send the item till im sure its really.

You can also use tools to find out if the creditcard comes from that area and other things.

Good luck

[BigWilly]

rommany, on Aug 31 2006, 08:59 PM, said:

Forget about it, the police would do nothing about it as this happen thousands of times a day, just take it on the chin and learn from, i always ring the customer for order over £100 and ask them a few questions before i send the item, and if i still have a problem with it i will not send the item till im sure its really.

You can also use tools to find out if the creditcard comes from that area and other things.

Good luck

Hi Rommany,

I thought that it wouldn't help to contact the police... I just hate seeing people get through with stuff like that... maybe I'll this guy some dog-poo...  

I was looking for a tool with which I can check where the card comes from but I couldn't find such a tool. Do you know of such a tool?

[loudnclr1]

Hello,

what I do in situations like that is to get the email address and track back the owner of the emaill address...Usually the email will be something like joe@yourwebsite.com
Track who is the owner of "yourwebsite.com"

Once you find the owner then do a WHOIS database lookup of the owner of "yourwebsite.com"
Then you should have the name of the person who is responsible for the charge.

Thanks,
Mike

[BigWilly]

loudnclr1, on Sep 6 2006, 01:19 AM, said:

Hello,

what I do in situations like that is to get the email address and track back the owner of the emaill address...Usually the email will be something like joe@yourwebsite.com
Track who is the owner of "yourwebsite.com"

Once you find the owner then do a WHOIS database lookup of the owner of "yourwebsite.com"
Then you should have the name of the person who is responsible for the charge.

Thanks,
Mike

That's probably not that easy if it's a hotmail address :-)

[Java Roasters]

Quote

That's probably not that easy if it's a hotmail address :-)

Send it to Bill Gates  ...  

There are 3 fraud protection contributions, all cost a few $$ to run but IMO are worth it.

http://www.oscommerce.com/community/contributions,4436
http://www.oscommerce.com/community/contributions,3144
http://www.oscommerce.com/community/contributions,2115

[BigWilly]

Java Roasters, on Sep 6 2006, 06:47 PM, said:

Send it to Bill Gates  ...  

There are 3 fraud protection contributions, all cost a few $$ to run but IMO are worth it.

http://www.oscommerce.com/community/contributions,4436
http://www.oscommerce.com/community/contributions,3144
http://www.oscommerce.com/community/contributions,2115

Yeah, Bill Gates will easily find out who this guy is since only a few people use their hotmail-services  

Thanks for the contributions, I will take a look at them.

[bmims26]

Hello Fellow Americans I am writing you this email about the frauds on most credit cards and bank account and so on. Even though you would really love to beat the living Crap out of people who do this mess you really cant most of the time for the people whos credit cards are getting stolen all you can do is get credit back from your CC company or file a dispute with your bank.  The reason I am telling you this is because i had a friend who did alot of online shopping with peoples cards and spent thousands of dollars on merchandise and its very very hard to catch them even nowadays with the whole AVS. Address Verification systems. All i can say is make sure you look for actual names and actual emails that seem Real.  usually fake ones always end with numbers or symbols.  If any of you have any questions please feel free to ask. Ill do what i can to help.

[KPGroup]

BigWilly, on Aug 31 2006, 03:00 PM, said:

No Cardholder Authorization = stolen credit card

What does that mean?

What is a "cardholder authorization" ?

How do you get one?

[bender12]

Hi guys, I've just been frauded too

The customer calls and makes a phone order, she says she's getting it for a friend as a present and asks if I can post it to her friends house. I agreed. 10 mins later she calls and says her friend will come and pick it up.  Being inexperienced I stupidly agree. So her friend came and picked up the goods
3 months later I get a chargeback, I ring the bank and they don't seem to care. I guess it happens all the time, but when I signed up with their merchant services they did not provide information to me about preventing fraud.Being in business for the first time, I wouldn't know about this. I guess you live and learn

[enragedcow]

bender12, on Mar 29 2007, 10:18 PM, said:

Hi guys, I've just been frauded too

The customer calls and makes a phone order, she says she's getting it for a friend as a present and asks if I can post it to her friends house. I agreed. 10 mins later she calls and says her friend will come and pick it up.  Being inexperienced I stupidly agree. So her friend came and picked up the goods
3 months later I get a chargeback, I ring the bank and they don't seem to care. I guess it happens all the time, but when I signed up with their merchant services they did not provide information to me about preventing fraud.Being in business for the first time, I wouldn't know about this. I guess you live and learn

That stinks   This is why you should never ship anywhere but the billing address, and you should only allow pickups if you check ID and can make a physical imprint of the credit card.

[clustersolutions]

You definitely should contact the police. Yes, they're probably not going to do much about it but you have to think when there are enough cases that built against an address then something may be done about it. Also, based on my experience I would just call the credit card and issue a code 10. They are the one that for sure can look into it further. However, please be sure to have the customer's info. including CC number ready for them.

BigWilly, on Aug 31 2006, 08:00 PM, said:

Hi,

Following happened to me:

- A Customer ordered at my website items for a total of $296.69
- Items were sent to customer
- 6 weeks later, I receive a Charge-Back for this amount (No Cardholder Authorization = stolen credit card)

Paymentech, which is our credit card processor (we have received the letter about the charge-back from them) can't do anything about that.

Now I am wondering what I could do about that. I do have proof that the package was delivered so I have at least the address of the ****ole who used the stolen credit card.

Do you think it's worth to contact the police? Will they do something about that? Or should I just forget about it?

Thanks a lot!

[Zedez]

I would just like to say that this has happened to me many times and as i sell online game items there is no address to deliver to and people do this to me all the time. The first time it happened i ended up having to pay paypal £200 of someone else's bill but i have learned since then and sometimes you can spot fraudulent sales and i ask to wait a few days for the e-cheque to clear and also i keep all payments in my paypal account for the full 20 days that it is possible for them to charge back.

[JohnnyGTO]

You want a real horror story?


May 2003 I'm out of town for a month and my Dad takes an order for 9 IP enable PTZ cameras, about $11k worth of product. Runs the card, gets what he thinks is an autorization from Iongate and ships. Now this is a big hardware order for us, we deal mostly in the software to record for IP cameras so he isn't to surprised that some one wants these cameras. He calls me the next day to tell me the great news about the big OVERSEAS order he took, oh crap. Seems he shipped the cameras to Indonesia and the card was out of California. The ship to address cleared through the processor and he thought because it wasn't rejected it was a good card.

Three months later (trying to stop the order via FedEx was a worthless waste of time) CHARGE BACK, now I'm out about $18,000.00 between our supplier and the CC company. The worst part is they tried the charge back when the account was low and though I was expecting it I was still trying to scrape up enough cash to pay for it. End up making three payments to Nova over several months, but we keep our ability to take credit cards. Later we get a better rate for our merchant account and gateway from a new company and switch in 2006. Learned an expensive lesson but things were still getting charged!

Until last week.

Boom we lose our gateway and merchant account because Nova suddenly puts us on the Terminated Merchant File and pretty much kills the company. Mind you this is from the charge back in 2003, all of a sudden they claim we owe them an additional $3k some 3+ years later so they figured they'd put us on the list. Our new processor says there is nothing they can do they have to drop us or get fined. But they will be more then happy to work with us again in 2009 when we can ask Nova to take us off the list!

What ever you do if you need to take CC just pay the charge backs promptly and do not piss off the person at the bank.

------

Any one have any suggestions as to how we can either force Nova to take us off the list or at least prove to use we owe the money, they simply sent use a note stating "You owe us $3k" Or at the very least a reputable company we can process credit cards through that will work with a company on the TMF even if the rates are higher?

[XxWickedxX]

My god reading this thread reminds me of why I sell digital downloadable goods. This way I return the money to the card holder and really I lost no money since it was not a physical item. However just to prevent fraud and having to go through this head ache even with selling download products I want to integrate some fraud protection measures..  Anyone have any positive experiences with the Fraud Contribs mentioned above? I know if you use Authorize.Net as a payment processor they offer a fraud prevention tool for pretty cheap but I dont know if you can use it without a merchant account with them or not.. Would be something to look into.

[dynamoeffects]

JohnnyGTO, on May 22 2007, 08:53 PM, said:

Any one have any suggestions as to how we can either force Nova to take us off the list or at least prove to use we owe the money, they simply sent use a note stating "You owe us $3k" Or at the very least a reputable company we can process credit cards through that will work with a company on the TMF even if the rates are higher?

Wow, that is one hell of a horror story.  If they've killed your business under false pretenses and your business makes enough revenue to make it worth it, I would be on the phone to a lawyer faster than you can say, "Lawsuit."  But that's only if you are 100% sure that you are in the right and they are in the wrong.  Your damages would be relative to the amount of business lost while being on their list.