Just curious as to how many people have had chargebacks and have won against them?

Interesting question. Everybody's always talking about fighting chargebacks, but I've never heard of anybody actually winning the case.

Here is the problem with "winning" with 2 checkout.

If you win and the chargeback gets reversed the customer has 1 more chance to go to the bank with all the information. So in the few cases we have had, we had the chargeback reversed shownig that the customer has used the account.

The customer than went back to the bank with all the iformation we submited and told them that his credit card and signature was stolen.

After the bank does the chargeback a second time there is no chance for the merchant to do anything.

So even if you win again a chargeback, all the customer has to do is go to the bank again and there is nothing you can do. After the second chargeback the bank closses the issue and will not discuss it.

So "winning" is a very short victory.



With paypal its even worse.. after the chargeback is initiated there is very little that they will let you do. On the bright side, there are no chargeback "fees."

I don't think it is possible to win a charge back unless you have the customer siganture on the file aproving the charge.

I won. Turned them over to a collection agency. The person then paid up rather quickly.

We see merchants win chargebacks every day.

That doesn't mean they win on all chargebacks or even a majority - but you can definitely get a chargeback reversed without a customer signature on file approving the charge and without an imprint.

One thing is guaranteed - you'll lose 100% of the chargebacks that you do not perform a rebuttal on. :)

How much collection agency charges and do they have minimum and maximums.

Many agencies have no minimums and I don't know of any with any maximums.

Most chargebacks (not all, of course) result from fraudulent transactions. If the person that placed the order had their credit card number stolen, and used without their consent, credit card companies feel that you as the merchant are responsible for screening these orders. In most cases, you cannot win these types of chargebacks.

You can win if the person that charged back really did order the product/service, and charged back simply to avoid paying the charges.

you should make another option there - "never fought". because i want to vote, but i can't :)

We won a chargeback fight worth almost $10k. A well known spammer managed to get through our detection systems and went to work. He went unnoticed on the network for about 6 months (he had several servers) during which time we did notice him and started to track his server usage. We proved that he had indeed used the account (he had submitted support tickets) as well he had his personal name on the credit card.

As I understand it, there are now credit card fraud charges pending against this person as a result.

We have won three our most recent 12/07/04

Re purchase transaction ID: XXXXXXX

The chargeback against this purchase has been reversed today. The card issuer sent us the funds back, therefore the chargeback has been reversed on your account today.

Kind regards

Unfortunatly,

We use PayPal, and really, it is impossible to win a chargeback because their policies are very strict on these types of situations. However, these fraudulent people have caused me to pay a lot of money. Whew. We have had many fraud orders actually. Maybe about 4 total fraud orders in the last month. Come to find out most are WHT members (who can you really trust on here :D). One of our most suffering chargebacks was with a dedicated servers. A 'client' paid $390 for a server, and with some addons. I was away on vacation at the time this occured however, but once I got back in office, I checked my PayPal account, and WHMAP to look at new orders. Too bad I didn't do a trace for that order though. Well, about our days later, we got a chargeback notice, for this transaction, and took our business to a negative balance. So I had to pay a couple hundred out of my pockets, because the Sales agent who handled the order with the data center had by then paid the data center for this server, and the data center does not offer any refunds.

After this case, we bought a fraud system called VariLogix FraudCall, and as cheap as it is, we would of SAVED money if we went with them in the first place, but I was un-aware of the company.

I recommend that if you are using any type of automated system, that you get FraudCall at www.varilogix.com. Setup is instant too. So far, so good, as far as not geting fraud orders. (only been a week though :D )

I make a point of spending 5 minutes or so to go over each and every order that comes in personally.

So far, no credit card fraud has gotten past these steely eyes *knock on wood*

Haven't ran into the customer who buys your services and then tries to get them for free by charging back yet.

So no chargebacks so far.

I have won 9/10 chargebacks, most of the time the people will go with another host after a month since they offer unlimited space and bandwidth (go figure) so they stay for a few months and try and get away by saying they did'nt use the service or they did'nt like it, or something like that. So they call up there CC and tell them they did'nt pay for it, then I call up there CC providor and fax them logs of how many times they have logged into cpanel or directadmin, then they try and fool me and the CC company by saying it was'nt him, someone go there card. So then I send over the log with IP's for everytime they login, I also charge a $20 fee for doing this since it is a pain and a waste of my time.

the one I lost was acully a stolen credit card. I don't get much but he put his real phone number and I called it, he said it was him. Next time I cancelled it after seeing almost 100 different IP's log into cPanel so reported him to the cops in uhh tampa flordia I think it was.

Originally posted by Hotlock
I have won 9/10 chargebacks, most of the time the people will go with another host after a month since they offer unlimited space and bandwidth (go figure) so they stay for a few months and try and get away by saying they did'nt use the service or they did'nt like it, or something like that. So they call up there CC and tell them they did'nt pay for it, then I call up there CC providor and fax them logs of how many times they have logged into cpanel or directadmin, then they try and fool me and the CC company by saying it was'nt him, someone go there card. So then I send over the log with IP's for everytime they login, I also charge a $20 fee for doing this since it is a pain and a waste of my time.

the one I lost was acully a stolen credit card. I don't get much but he put his real phone number and I called it, he said it was him. Next time I cancelled it after seeing almost 100 different IP's log into cPanel so reported him to the cops in uhh tampa flordia I think it was.

That sounds like a good strategy. I will keep this in mind. How do you check the cpanel logs to see how many times they have logged in w/ timestamps + IP?

By credit card, I just received my first chargeback this week and it was a stolen credit card. Since I talked to this person and he didn't even know where he made the purchase (what websites fall under my company name) it was obvious his card was stolen. I didn't attempt to fight that chargeback (I didn't have an opportunity to refund beforehand on this one), so there's the product + $35 down the drain.

With PayPal I've had 3 or 4 reversals by PayPal due to fraudulent buyer. I assume they mean the account was stolen, and there are basically no rebuttal options through PayPal for non-tangible goods. The upside is that there are no fees.

I fear my next chargeback is coming very soon... I got an e-mail through the contact form at one of my sites asking what a charge on this person's credit card was. Unfortunately the person didn't fill in their e-mail address so I have no way of responding. Looks like their card was used at one of my sites(with someone else's name and contact info except for street address and zip). That's another $150 I'll lose I'm sure.

Fraud just sucks. No amount of hand screening or scoring based on repeat attempts or nationality eliminates it entirely, especially with PayPal where you know nothing about the buyer except their e-mail address.

We've won them, too. In addition to hosting, we sell software that has a 30 day trial period. Some people just impulse buy and then determine that they do not want the software so they ask for a refund. When we decline, then they complain and we explain to the cc company that the customer had 30 days to try. We win every time.

Originally posted by aixagent
That sounds like a good strategy. I will keep this in mind. How do you check the cpanel logs to see how many times they have logged in w/ timestamps + IP?

The raw logs, shows every event and what they did on there account. Well what they did in there browers and what link they went to.

I've won against 2 chargebacks, the first one was a no brainer, I issued a refund at least a week before the chargeback was requested, can't chargeback a refunded transaction.

The second was a bit different, I faxed the bank the customer's signup form, a couple emails between me and the customer, the whois information showing the account using my servers still, and the chargeback was reversed in my favor, I then refunded the charge as soon as I could and canceled the customer's hosting and put them on my "list".

Don't lie Gary you threatened them with Physical violence :idea: :beer: :uzi:

;)

Fought, and won 13 out of 15 direct chargebacks.

All spammers.

We had our terms of service legally certified by two county courts (Dublin and Shelburne) - our TOS states that a spammer is liable for up to $100 per SPAM email sent through our network.

We always invoice anyone that charges back in that type of scenario, and we have a 13/2 win-loss ratio when it comes to literal credit card chargebacks.

Point to note:
Get your terms of service and acceptable use policies legally certified. Oh, and don't be a wimp :)

Simon

you ever get any spammers to pay the $100/spam? =)

We almost always win chargebacks assuming it isn't fraud that slipped by. If it turns out to be fraud, we won't even fight it (ethics...)

I definitely wouldn't suggest charging a spammer $100 on their credit card... that is almost inviting a chargeback. Invoice them instead and send 'em to collections if they fail to pay. :)

I also recommend disputing any unfair chargeback provided it is not fraud.

Plus, with the upcoming RED initiative by Visa, the chargeback dispute rules are going to be changed a little as of October 1st including the elimination of 2nd Chargebacks.