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Fraudulant Order
I have all their info and American Express won't to anything!
Scott_F




msg:3378467
 6:18 pm on Jun 25, 2007 (gmt 0)

In one of our sites, we have had one person using 40-50 different credit cards to order from our site. Nothing was ever been able to get through. They were all denied. Finally this morning, this person was able to get two orders through. One being sent to a PO box in Maine and one being sent to a PO box in Greece.

We know these are fraudulant because American Express called us saying to make sure not to charge these card numbers because they were stolen. Somehow they knew that someone was trying to use stolen cards to charge through our site. So a week later, this same person uses another AX card, charges the same amount, gets through, but because the actual owner of the card hasn't reported it stolen yet, they don't want to do anything!

I am trying to see what we can do next. We have the address, we even have her phone number. We called and she answered the phone even! Any idea where to go next? We are not going send her anything.

 

LifeinAsia




msg:3378490
 6:39 pm on Jun 25, 2007 (gmt 0)

Tell her that the cards she has tried to use before have been flagged as stolen. As such, you require a copy of her passport and both sides of the credit card before you can process her order. Tell her it doesn't matter which credit card she uses, you require the same thing for all of them, so she need not bother trying to place new orders until she sends the required documentation.

If she continues to try, then keep declining the orders.

Demaestro




msg:3378507
 6:53 pm on Jun 25, 2007 (gmt 0)

LIA's advise is very good but I would say in addition to that... stop using American Express.... less and less vendors accept them now and this example seems to be just one of many reasons why.

Every time I hear about a vendor having trouble with a credit card company it always seems to be AX... I am sure there are troubled stories about all the major cards but not as many as with American Express it seems.

I finally just canceled my card with them because I can't even use it anywhere anymore. I started asking places why they don't accept it and it usually had to do with higher vendor transaction fees but there were mixed horror stories as well.

I think that Costco is one of the last places to still love it.

If you do cancel using them make sure you contact them and tell them why.... they need to be more diligent. It is all our responsibility to help curb fraud uses of cards but for them to leave you holding the bag looking for an answer alone is wrong.

[edited by: Demaestro at 6:54 pm (utc) on June 25, 2007]

LifeinAsia




msg:3378514
 7:05 pm on Jun 25, 2007 (gmt 0)

stop using American Express

Hmm, yes, being one of the most vocal anti-AMEX voices here, I wonder why I forgot to mention that as well. :)

Although I got the impression from the OP that it wasn't just AMEX cards the fraudster was trying to use. So cancelling the AMEX merchant account wouldn't fix this particular problem. (But will certainly alleviate future AMEX-related problems.)

HRoth




msg:3378654
 9:30 pm on Jun 25, 2007 (gmt 0)

You could tell her that you are going to forward her name, address, phone number and so forth to the US Treasury Department, if she is in the US, because they are in charge of investigating interstate fraud. They actually do have a form on their site where you can report this sort of thing.

If she's not in the US, can you just block her ip address? That's what I did with some guy in Indonesia who was pulling this sort of stuff.

Wlauzon




msg:3378856
 4:53 am on Jun 26, 2007 (gmt 0)

I don't know what ecommerce you are using, but a very simple solution for Yahoo stores is to just block the IP.

Rugles




msg:3379366
 5:20 pm on Jun 26, 2007 (gmt 0)

Dont bother reporting it, nobody cares.

Look through this board at all the fraud posts and you will find a theme ... nobody cares.

Apparently the credit card companies tolerate a certain level of fraud and so do the authorities. Its frustrating when you have a phone number, address and the fraudulent attempt and nobody seems to care to do anything about it.

"move along ... nothing to see here"

RailMan




msg:3379453
 6:28 pm on Jun 26, 2007 (gmt 0)

Tell her that the cards she has tried to use before have been flagged as stolen. As such, you require a copy of her passport and both sides of the credit card before you can process her order.

no no no no no
advising anyone to process a stolen credit card is just plain wrong, plain stupid, bad bad bad

this is supposed to be a forum for professional webmasters and those aspiring to be professional webmasters - please don't give stupid advise like that - you should know better

bwnbwn




msg:3379474
 7:01 pm on Jun 26, 2007 (gmt 0)

RailMan
You need to learn to read before calling someone stupid. As you said this is a professional board please act the same...

He did not tell her to process the card but to get this imposter to send information that they will never send hoping they go away....

If I were you I would edit the post doesn' look to good..

RailMan




msg:3380058
 11:02 am on Jun 27, 2007 (gmt 0)

bwnbwn - you need to think a bit more - any newbie reading that message will think it's ok to ask for more ID and then process the frauds, which will of course simply lead to more chargebacks

the bottom line is if it's a fraud, cancel it, walk away, go find something better to do - do not chase the fraud, do not ask for more ID, do not process it, do not try to mess the fraudster about, do not waste your time, do not bother contacting police or anyone else, do not whinge about chargebacks, do not pass go, do not collect $200

i stand by what i said - it's stupid and wrong to advise people to chase frauds

bwnbwn




msg:3380239
 2:08 pm on Jun 27, 2007 (gmt 0)

"Tell her that the cards she has tried to use before have been flagged as stolen. As such, you require a copy of her passport and both sides of the credit card before you can process her order. Tell her it doesn't matter which credit card she uses, you require the same thing for all of them, so she need not bother trying to place new orders until she sends the required documentation."

RailMan:

I just don't see were they are chasing fraud. I see it as a way of ending the game:

I have been in ecommerce for 6 years now and his post says nothing about chasing fraud. I don't suppose you know it cost .25 cents every time this guy or gal tries to place an order as any charge to a processor gets an approval or denial and both cost .25 cents.

Bottom Line:
I have done the exact same thing suggested in the hopes of getting this guy to go away as it is crazy to block IP's as you may be blocking good customers so blocking IP's is stupid.

I ignore some and some just keep coming back I will send an email on all international orders we need a copy of proof of ID etc and etc faxed to us if not the order will never be processed.

This has stopped some others do it cuz they think it is fun but the bottom line I stopped some from coming back they just move on to another ecommerce site and attempt the same.

So his post is a good post I don't read it as chasing a fraud order I read it as trying to stop a fraud from coming back. Calling someone stupid is lets just say not showing a professional manner as you suggest we are. It is ok to disagree if you think the attitude you use is constructive think again. To me it just shows your lack of professionalism.

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