FYI Someone can chargeback up to a years worth of a membership.. - Page 2 - GoFuckYourself.com

Calico Jack · 09-29-2010, 03:22 PM

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

Ron Bennett · 09-29-2010, 05:01 PM

Quote:

Originally Posted by AaronM

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.

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

NETbilling · 09-29-2010, 05:06 PM

Quote:

Originally Posted by Calico Jack

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

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.

ShellyCrash · 09-29-2010, 08:06 PM

Quote:

Originally Posted by NetBilling

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

plsureking · 09-30-2010, 12:08 AM

Quote:

Originally Posted by Calico Jack

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

run better sites?

just kidding

sicone · 09-30-2010, 12:26 AM

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.

mrsmut · 10-03-2010, 05:23 AM

For Europe, this is the law

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

rowan · 10-03-2010, 06:22 AM

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?

signupdamnit · 10-03-2010, 08:03 AM

Quote:

Originally Posted by rowan

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:

Code:

ripoffreport.com/Search/ccbill.aspx

(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.

Zyber · 10-03-2010, 09:03 AM

Quote:

Originally Posted by plsureking

gfy users with no links in their sig are the real joke around here. just stupid fucks with useless opinions and no credentials.

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

09-29-2010, 03:22 PM	#51
Calico Jack Confirmed User Join Date: Jul 2004 Posts: 2,051	I had just someone chargeback 4 months worth of memberships to one site. It's shitty, but really what can you do? __________________ Got Foot Fetish Traffic? These sites will make you $$$... Footsie Babes - Hot Legs & Feet - Kink's Foot Worship - Black Meat White Feet NAKED HOSTING (Certified Hosting)...Adult Web Hosting at its FINEST! Signup Here!

09-30-2010, 12:26 AM	#56
sicone Retired Industry Role: Join Date: Jan 2004 Location: Sac Posts: 18,453	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. __________________

10-03-2010, 05:23 AM	#57
mrsmut Confirmed User Join Date: Apr 2003 Posts: 121	For Europe, this is the law http://eur-lex.europa.eu/LexUriServ/...001:01:EN:HTML

10-03-2010, 06:22 AM	#58
rowan Too lazy to set a custom title Join Date: Mar 2002 Location: Australia Posts: 17,393	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?