Chargeback Fraud. Fightback Fraud

[jimley]

This seems to be on the increase again and something must be done about it.
I am now involved with the courts to try and put a stop to this delinquency and would much appreciate any assistance from folks who have had any experience in fighting this within the legal system.

 

[cjd]

I think you need to say what and who you're fighting.

 

[jimley]

I am sure many have experienced it.
Buyer pays for item --> buyer receives item --> buyer files chargeback --> buyer receives money.
Seller is left with proof of delivery and no money. And no item.

 

[jimley]

I guess online presence is not too common.

 

[japancool]

I guess online presence is not too common.

You'll find a lot of us have an online presence . But if you're not going to tell us any information about who you are, what you're fighting and how, why do expect us to tell you anything about ourselves?

 

[Paul Norman]

For all E commerce stores chargebacks are a big part of the challenge.

It is worth picking up the phone to your on line payment provider, from time to time, to have a conversation about reducing this. A sizeable number of them are, in fact, the liability of the bank for authorising a fraudulent transaction.

You cannot do that with some providers - like Paypal, because they are just not interesting. But others, like Elavon (part of Santander) are very helpful.

It is a pain, but nonetheless necessary, to push back against EVERY chargeback where you feel it is erroneous. In addition, regular offenders will get black listed if you report them.

 

[japancool]

A reputable payment provider (or is it the credit card company) will ask for all the relevant documents including proof of delivery, and give you a fair chance to put your side of the story. At least, that's my understanding when I've had to initiate chargebacks myself.

 

[Paul Norman]

You are correct, although they don't give the retailer a huge amount of time to provide this. And, of course, when you are buying from a site you dont know, or care, how reputable the payment provider is.

 

[jimley]

Well, going after a business partner does not make much sense either because a) your business depends on them and b) they are huge and we are small. So the remaining option is going after the fraudster which should be straightforward giving that all the evidence is available. Unfortunately, it isn't. Hence thread.

 

[japancool]

Well, going after a business partner does not make much sense either because a) your business depends on them and b) they are huge and we are small. So the remaining option is going after the fraudster which should be straightforward giving that all the evidence is available. Unfortunately, it isn't. Hence thread.

Sorry, I really don't understand what you're talking about. What do you mean "going after your business partner". Why would you go after your business partner?

When you say "you are now involved with the courts to try and stop this delinquency", what exactly do you mean by that? You're taking someone to court over suspected fraud?

 

[jimley]

Yes, they are not interested in due process in chargebacks because, I guess, they value their buyers above all. So making them right would mean legal action which would automatically mean the end of the business relationship and still no guarantee of justice.
So yes I am pursuing the buyer in the courts but so far the process is as arbitrary as before. I don't have legal representation nor can I afford one and maybe that dresses oneself in sheep clothes.

 

[japancool]

Why don't you actually provide us with some details of what happened?

 

[jimley]

I've been so thoroughly shaken by the disgraceful performance of the county court 'judge' that I'm not sure if just laying out all the details is even legally advisable. I have no experience is these things so what I'm asking is I'm going to appeal to the higher court and need help.