people have always tried to return stuff that was just plain stupid. my favorite is when people try to return things to a store they didn't buy them from that doesn't even offer those items.
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Originally Posted by Dzinerbear
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people have always tried to return stuff that was just plain stupid. my favorite is when people try to return things to a store they didn't buy them from that doesn't even offer those items.
Quote:
Originally Posted by Dzinerbear
The only real answer is attaching a physical product to the membership where you need to use a mail service to send product.
In mainstream, we get around the charge back issues because we have an invoice, shipping receipt and the ability to challenge the charge back with proof of service and goods rendered for payment.
However I don't see people signing up for a site if they need to have something mailed to them.
And with best buy, They do take returns BUT they also charge you a 10% restocking fee.
Maybe CCBill should Prorate the total time of membership.
Once again, Wal-Mart seems to be at the route of all our problems...perhaps...no...too radical.Quote:
Originally Posted by Dzinerbear
WAL-MART:whip:
i have a friend who joined a particular big program's site years ago, not really for the site so much as that they advertised a particular plugin (he didn't know it was a plugin but he saw his favorite girls on the tour).
he joined the site and the plugin was down. he called me on the phone, knowing i worked on the web and i figured out it was a plugin and suggested he wait a bit and try it again. he surfed the rest of the site, but not all that enthusiastically as he had seen most of the stuff before. then, after an hour, he tried the link again and it still didn't answer. when he tried again the next morning, the plugin still wasn't up and he called and asked for a refund.
he was told he had spent time in the site. he tried to explain that his only real interest had been in those girls but did not receive a refund and was not treated very courteously, so he charged back based on the fact that the only thing he was interested in the site was not available.
i thought he was justified. i know how much interest he had in the girls shown on that one page of the tour and how little he had in the rest of what was there - mostly old ounique content he had seen dozens of times. while most webmasters i know feel a chargeback is always the member's fault, i think it depends.
and how do you think all of the paid sites content shows up on the torrents?Quote:
Originally Posted by Lee
they join with fake cc or on a trial download everthing and post it. and work in groups often times for password trading forums
even walmart is ending this policy, or at least curtailing it to a levelQuote:
Originally Posted by Dzinerbear
some US stores are compiling databases of customers who are shopping and returning things too often, costing the stores money, and are planning to not allow these customers to shop there or return products
if I m not wrong, there have already been cases where returns have been disallowed because a customer has had too many in x number of months
Gucci does this. I once had a friend who used to tell me how they refused to accept returns from some customers because their purchase to return ration was too high. In one case he had a customer that had a 105% return ratio...when i asked him how that's possible, he said the customer even returned gifts bought for him by others.Quote:
Originally Posted by jIgG
We used to think the same thing and sent all of our packages with signature required for this very reason.. until we were refused on several chargeback rebuttals where we used that as part of our supporting evidence of the order authenticity. In speaking with our merchant bank, they informed me that the ONLY way an online merchant is protected against chargeback is to have a signature that matches an ID in person. There is no other proof good enough to over come the charge associations bias towards the customer, even if it is apparant the customer is not being honest. We were specifically told that even though we have a positve AVS reading, a verification of address and phone, a CVV2 number verification, a delivery confirmation receipt signed by the same customer...it's still not good enough if the customer signs an affidavit saying the charge is unuauthorized.Quote:
Originally Posted by IdolKnights
I, too, think this would make sense... sort of a pay what you use type of refund policy...however, that is not going to deter the customer from charging back if he is so inclined. That's why Third Party Processors have very liberal refund policies..because they know it's only a phone call and a fax away from a chargeback for the credit card holder.Quote:
Originally Posted by IdolKnights
This is when you take it to level two.Quote:
Originally Posted by tombarr
Upon dispute you contact the postmaster and have them file a report for interstate fraud (should the party be in another state)
This is your safety net. It does come with a few holes, but, Once a customer gets a call from the post office and hears about an investigation being placed on them for the possible charges of interstate fraud, the situation wraps up fairly quick.
With a well stated no return policy on the items for reasons listed, you then recontact the processor with the information of the postal charges, the customer correspondence and your terms listed on the site.
Tom,
That must vary by bank, because ours has reversed chargebacks based on a delivery signature.
And on an unrelated note, we just recently had a situation with a retailer of gay DVDs (a wholesale customer we've had for almost three years) attempt to do a chargeback against us.
We have switched nearly 100% of our wholesale customers to buy from our distributor, because we didn't want the hassle of the direct sales, and this guy insisted on continuing to buy from us, but didn't understand why we couldn't ship every one of his (dinky) orders the same day it was placed, so he got mad and said he was going to stop buying from us. We said fine, and he said he was sending back all of his unsold product. (We don't take returns, it's always been our policy.) So we agreed that, under the circumstances, we would refund him what he paid minus a 15% restock fee. He apparently didn't like the amount of the refund, and tried to charge back his most recent order, by claiming he'd never received it.
His bank actually got him and me and the bank's rep on the phone. I got him to admit that he had received the package, which totally blew his credibility with the bank rep. But then he said "You can't prove I received it, because you sent it postal service. I know how this works." Fortunately, the bank realized he was trying to scam us, and they made a notation in their records to the effect that the guy had lied and admitted it, and had indicated that he wanted to commit fraud.
Needless to say, we will never do business with the guy again.
Its not up to the merchant bank. It's up to the customer's bank. Their policies are not consistent from one bank to another. Some banks make it extremely easy for a customer to charge back, others don't. Some banks make it next to impossible for an online merchant to prove a charge, others are more accepting of a broader range of supporting documents... some banks give the merchant a chance to support the charge with docs, others, go straight to chargeback without any transaction inquiry.Quote:
Originally Posted by gaybucks_chip
our advice came from our merchant bank, and has generally been found to be true. We dont' have more than 1 or 2 chargebacks every month or two on more than 600 transactions a month, so it's not a bad situation.
It just pisses me off when I know a customer is scamming me and there's nothing I can do about it.. It makes me even more mad when they go straight to chargeback without even making inquiry...at least then i can just refund and not have to deal with the extra penalties or potential for merchant account problems.
What about using a chargeback collections company to make their life miserable? I did a quick search on the web and found a few. They take all your documentation, then go to collections for fraud.Quote:
Originally Posted by tombarr
i would do this - in fact, some sites do. but it won't help as far as your visa cb ratio. and make sure your collection agency understands websites - just in case there's a legit one in the bunch.
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Originally Posted by TropixxxStudios