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Be sure and put the AVS checked the CVV checked the Phone # Checked and have proof of delivery. Make a copy of the signed delivery and Fax to merchant services.
I myself feel you will get it reversed in your favor. be sure an let us know.
This person is directly committing the fraud or is an accessory. Either way, possession of stolen goods is a criminal offense.
I just had one I know I can't win. Here is their MO.
Get an order everthing checks out, to a different address so we check the phone number to match the card. Call the number of registered cc and ask did they place the order. They say yes and why it is being shipped to a different address.
Month later get a chargeback. They are saying they didn't place the order.
I am hung so what to do to protect myself.
I guess we are going to start recording the ones we have to call going to a different address and get them to state x name at x address did place the order for x using x card number to x address for x reason from x website on x day for x amount.
Even with this I am not sure I would win.
Also, lying to credit card companies (by saying it's not your signature) pretty much has no penalty. Lying in court has some serious penalties, so the perp may be less likely to try to lie.
Chalk it up lesson learned and new procudures are being put into place to better protect against this type of activity.
Been doing this for 9 years now and have learned the hard way.
2 chargebacks this year is a good track record out of 1000's of orders sent I feel. I just hate them to no end and want to get to 0 next year. I would suspect we have had 300-500 maybe more fraud orders this year that have been caught and not processed.
Yes a real merchant account I have been with Fast Data now 10 years
That's what I expected. Your merchant provider is the problem, not the bank. They are not sending through your paperwork to the issuing bank to defend against these chargebacks for some reason.
This matter has been resolved and no funds were debited from your account for this chargeback. We were charged a fee for processing this chargeback and have debited your account a Chargeback Settlement Fee.
docs I have provided to paypal -
UPS delivery signature
all emails by the buyer
Order reciepts with 7 days refund policy clearly listed.
Proof of shipment from UPS with tracking number.
Please note that this dispute process can take 75 days or more and that there is no guarantee that we will be successful in our attempt to recover your funds.
1. Have a high-quality card-processor. We used a processor for years and lost every charge-back dispute that we submitted even though we had every imagineable piece of proof available. Out of ignorance at the time, we thought all charge-backs were processed by an entity outside the processor (like big Visa or something). Well... we finally saw the light and discovered a high-quality processor who smashed our previous rates and service we had been receiving. Well... we've not lost a charge-back since we've switched. Your processor DOES make a difference in your success. In hind-sight, we somewhat doubt our submissions to the first processor were even being read before conclusions were made.
2. Submit all your data in an easy-to-read format. If you have email exchanges, don't just send/fax them all in a hodge-podge group. Copy them (including header info to,from,date) into a document and put the messages and replies into a chronological order so the reviewer can read through them like they would a conversation. Don't make them jump around trying to determine the order of events. We believe this has also made a huge impact in our successes. Don't make them work to help you. Make it easy.
Just a couple things that have improved our results.
Oh this was PayPal?! Oh, forget about it then- it's a lost cause and you'll most likely lose the money. What loophole did they use to tell you you're not covered by their Seller Protection Plan?
Over the past 5 years or so we have had maybe 30 disputed orders. Of them, we won about 1 in 5 of those charged to a credit card, and all but ONE charged to PayPal.