I will try to explain the situation as best as possible.
I am a independent website designer. I use a hosting company for all of my sites I design that is link through my credit card so I am responsible for the payment and receiving payments from clients. BUT when I was just starting out I used the same hosting company but I created a new account with someone elses credit card ( the website owner ). Now after a couple of years of them using the hosting service and me not updating the site in the same amount of time I received 5 emails from the hosting company (because I was the contact) that the owner of the card had done chargbacks. I am not the owner of the card so it wasn't me. But since I originally created the account for him I am being blamed for the chargebacks. I have an account myself like I mentioned already that I have clients with websites that just use my account. Now they have disabled the chargeback persons account and also mine because I was the contact. What can I do to fight this to prove I am not the person that did the chargebacks? I am not sure if I can do chargebacks from the web hosting control panel (because I have never done that). I thought chargebacks are done through the credit card company.
Anyways I hope you guys understood that and can help me out in the situation because my clients are pissed because there site is down and it looks like my fault but just a mistake I made along time ago when I was just starting out.
Welcome to the site Sentax. There is not too much you can do. You used someone else's credit card. The owner of the credit card called the issuing bank to request a refund. The issuing bank contacted the acquiring bank (the hosting company's bank) to get the money.
You should be able to prove that the CC is not yours if they did an AVS on the CC at one point. But since the account is in your name, you are responsible for the account & I take it that the hosting company wants its money. And you do not want to pay for the hosting of the one client?
More than likely your current Web host would be pretty upset and freaked out over the situation... and after getting hit with a bunch of chargebacks, it is certainly understandable.
Remember - it hurts a company when they get chargebacks. Not only is it an unexpected loss of funds but it is also a blemish on their merchant processing track record with their bank.
At this point, my recommendation to you would be to square up the balance owed on that site with them - perhaps via a non-credit card means such as sending a cashier's check or money order to make payment for the balance owed.
Confirm in writing with them that if you do the above, they will then re-enable all sites and if they confirm that to be the case, go ahead and do that.
Remember also, from the perspective of the Web host, I doubt they really care whether anyone can "prove" whose card it is - that is largely irrelevant. The only thing relevant to them is that a bunch of chargebacks came through, an account balance is unpaid and they have lost money due to these chargebacks.
So if you make good on the payment per the above, I think that may be the best course of action for you. Best of luck in resolving this situation!
CDGcommerce.com - Trusted Merchant Account Solutions since 1998
Many thousands of successful, growing businesses benefit from our expertise every day. You can, too!
We help merchants to eliminate gateway costs, reduce & mitigate fraud and achieve streamlined PCI compliance. Learn more today at http://www.cdgcommerce.com - we look forward to helping your business grow!
No I have my own account with my own card which I pay on time. When I started work for him I created a new account under his business and his card but just my email as the contact. He had access to the control panel as so did I. But he is the one who did the chargebacks. Here are the dates of the chargebacks.
This seems so unfair. There has to be a way for me to not paying this.
If it is his account - they I would think the hosting company would not hold anything against you. I mean - I know I would not if I was hosting. The thing that probably gets them is the e-mail address & they see that your e-mail address has two accounts. They probably shut you off for fear that you might charge back the other accounts as well & they do not want to be lose any more revenue.
Can you talk to him - it seems like he has been a longtime client? Find out why he chargedback everything. But if you want to continue to host with them, it seems you might have to bite the bullet & pay the hosting. And see if he will refund you the money but I doubt it since he was he one that issued the chargeback
I don't know how you could consider it his or mine. I was the one who created it but he has the card that pays for it.
I most likely won't be able to talk to him since he already made the chargebacks and since I haven't talked to him since I designed the site.
I can totally understand the web hostings response in disabling mine thinking they will have problems with mine also. But they are jumping to conclusions on me which I have been a client since 2000 and haven't had any payment problems for 4 years. Shouldn't that count for anything?
Well wish me luck hopefully I can talk with the hosting company and get my name off the account and un-associated with the chargebacks.. But the hosting company is already out of money why would they help me out and how can I prove that I am not the card holder. This is tough.
Well with some webhosting companies - they communicate with the client thru e-mail. And since it is your e-mail on the agreement - they might even assume that they are e-mailing your client and not you.
Maybe if you explain the situation to them. Do they still have the control panel activated for the chargeback client? if so, I would change the e-mail immediately. When I was hosting with another company, I had three accounts. One was a personal account, one was for another business account and another was for my clients. The business account was always having issues - so they were always e-mailing me. I finally changed the e-mail to the other people - lucky enough because they bailed on me & the hosting company.
Your past history with them hopefully will help. Sometimes it does. I know it did on mine. When they did try to come to me for payment, I told them I was no longer associated with that company & they had the proof on their records since I had updated everything.
You might just have to pay them - and learn the lesson - never have your name on someone else's bill or account.
Well within this letter it warns about taking legal action from the web hosting company. Am I at risk because my contact info was on the control panel? I figure I shouldn't be in trouble because this isn't my card. Is this fightable in court with the hosting company if it comes to that?
LETTER FROM HOSTING COMPANY
We would like to take the opportunity to inform you that processing a charge back is an illegal action.
However, we trust the charge back processed was under some confusion and mostly by mistake.
It is necessary for you to fax the following authorization letter within 3 days with requested information and signature of the nominated credit card holder. We will also need a copy of backside of your nominated credit card to verify the signature.
If you wish to use a different credit card for your outstanding debt, please use the same authorization
letter below and fax it to us at *** *** ***. Also the copy of backside of your credit card.
If we do not receive your authorization letter and copy of backside of your credit card to re-process the above-mentioned amount within 7 days of this notice, we will forward your matter to our legal department (PROBABLY SITTING ON THE DESK RIGHT NOW) in order to recover the outstanding debt for your account and legal and admin fees. Some of the actions include and not limited to are-
- Sending complete report to credit report agencies, which may seriously affect your credit ratings.
- Contacting visa with your credit card number and complete report, which will include all the emails correspondences between us, copy of DNS records, which will prove that your domain/s was/were pointing to our server etc.
- Inform your current host about the charge back/s we have received and lost of the payments.
- We will also submit your information to web sites that list people who use the web hosting services, leave and then process a charge backs.
Please fax the following authorization letter and backside of your credit card at
Now this all sounds serious and I'm sure they will use all mentioned because I tried emailing someone a couple days ago and I got a response back saying I have been blacklisted. WOW this is really getting me
Well processing a chargeback. That could mean a couple of different things. When I first read it - I read it to assume that they meant for you - the consumer to request a chargeback. If it was for bad service or something - there is nothing they can really do about it. There are other threads in this forum that shows how hard it is to fight a chargeback & win. The letter is basicall written to scare you. Then it almost sounds like they are saying that it is illegal for them to charge the CC again. (It's not illegal there, it just stupid. Meaning - they have already requested a chargeback, why charge the CC again?)
Since your contact information was in there, I am assuming that it also has a place that states you are responsible for the billing. You might want to review their TOS.
I have read the TOS and the only mention of charge backs is that they charge $15 per chargeback. Nothing is mentioned about having the account paid by a card with a different name on the account. All emails I have sent to the hosting company seem to have fallen through the cracks of "This guy is trying to get out of this". I should at least get some response back. Nope just a email saying that it has been forwarded on to someone that I have not clue who is getting it which hasn't responded yet.
This makes me want to pay get my sites back up then move to a different hosting or even my own solution.
Thanks again to all who have posted.
By the way. Good news is that my search on the 2 spam links you gave me came back negative. But still doesn't answer why I got a response back saying I was blacklisted. Why would they let me know? Wouldn't my email just vanish and I wouldn't know otherwise?
Well a lot of spam filtering systems are different. I have spam control set up on a few different open relay systems. And I usually just delete all those e-mails that come thru & are on those lists. Why keep bogging down the e-mails? Plus most of the return e-mails are invalid.
So much confusion with my hotmail account it started filtering the email for the hosting company and they have been responding to my emails and they said they would settle for half the chargeback costs and remove my name from the other account.
Well like I said lesson learned. I have them figuring out the blacklist thing. It may be that they disabled my account and pointed it to a temp server that is tagged for blacklisting.