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I never had a chargeback like this one!

did know consumers like that exist

     
7:29 pm on May 15, 2007 (gmt 0)

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So a couple of months ago I got a chargeback notice for a transaction of a little over $250. The average ticket for that site is about $40, so it was an order that's a bit larger than average.
I while ago, I decided not to bother with chargebacks anymore so I no longer even bother responding to such paperwork.
My account was debited and I moved on like I usually do and forgot about it.

And today, I received a letter from Discover (that's the card that was used) that the customer has acknowledged the transaction on their own and they are reversing the chargeback on customer's initiative and will credit my account.

In all the years I've been selling on-line, I've never experienced something like this. It turns out there are decent people out there, after all :)

I've had chargebacks reversed when customers recognized the charges after being contacted by me (back when I used to follow up on the chargebacks and tried disputing them), but I've never had someone actually reverse it on their own after they had already gotten away with keeping their money.

That's pretty amazing.

9:19 pm on May 15, 2007 (gmt 0)

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Most customers who call us to question "unauthorized sales" quickly learn and admit that they or someone else in their household did indeed buy and receive the product charged. The great majority of people are very honest.

As for your specific situation, we've had that happen, even several months later as I recall.

9:24 pm on May 15, 2007 (gmt 0)

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I decided not to bother with chargebacks anymore

Cool! What's your site? I want to order a whole bunch of stuff, then dispute the charges, and never have to worry about being caught. :)
10:16 pm on May 15, 2007 (gmt 0)

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The great majority of people are very honest.

Hearteningly, although many are initially suspicious when money is paid up front on the faceless web, it's true.

10:39 pm on May 15, 2007 (gmt 0)

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Most customers who call us to question "unauthorized sales" quickly learn and admit that they or someone else in their household did indeed buy and receive the product charged.

Yep. I've had that plenty of times. But I've never seen anyone take an initiative in a situation I described.

Back when I used to confront people about chargebacks, majority of them would play dumb either on purpose or because they've realized their mistake and feel guilty and use that as a defense mechanism while agreeing with the charge.

But yes, the majority of people are honest. I'm not disputing that.

12:34 am on May 16, 2007 (gmt 0)

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I have had a chargeback reversed for a transaction that appeared obviously fradulent. It was paid with a U.S. credit card for shipment to a different person in Eastern Europe. The chargeback was mysteriously reversed one year later.
3:23 am on May 16, 2007 (gmt 0)

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Hearteningly

Probably the only use ever of that word on WebmasterWorld LOL

11:10 am on May 16, 2007 (gmt 0)

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You should always reply to chargebacks. Providers also look at this. If they think you are not caring about your business, why should they give you a merchant account? After all, if you are not able to pay the chargeback - the provider will have to.

Also, if customers are not recognizing your name - then you have a big problem. The name that is on the CC statement should be at least in the footer, on all check out pages, and on the receipt that is emailed to the consumer and the other email thanking them for the order that has just been shipped

-Corey

2:33 pm on May 16, 2007 (gmt 0)

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Hearteningly

LOL. I'm a middle-aged English gentleman.

10:29 pm on May 17, 2007 (gmt 0)

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"I decided not to bother with chargebacks anymore so I no longer even bother responding to such paperwork"

What was that saying again...in order for evil to perpetuate the only thing necessary is for the good people to do nothing. (think it was Gandi, but cant remember).

7:14 pm on May 18, 2007 (gmt 0)

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I've done a dispute and then remembered what it was, and contacted my bank and cancelled the inquiry...it was a long time ago (c 1994)...now I know the process, I simply call the merchant.