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August 15, 2007

Comments

Darren

I do realize this post is 4 years old, but I'm hoping I can still get emailed some of the forms or at least the referral to the collection agency mentioned. Great post. It's sad how something that was implemented to protect consumers from fraudulent sellers has become a tool for unscrupulous or even dim-witted consumers to make sellers pay for their poor decisions, lack of knowledge, lack of commitment, indecision etc. I'm really curious about success rates for chargebacks based on concealed freight damage (ie. when customer accepts delivery without exception).

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Darren

@wow...Well if you, as well as many other spoiled and delusional consumers, can take your head out of the sand long enough to realize- it's not always someone else's fault. What'd you pay for that lens, like $50? What did you expect, Canon L quality? You call the sellers greedy, think about it, they are making a skinny mark-up on this stuff. They didn't manufacture it. You cheap out and buy this junk instead of spending the price on quality goods from legit brick and mortar shops, and then stick them with a loss because of your stupidity- all thanks to your credit card savior. Happens all the time. Oh, and notice the only people that posted a comment in support of the consumer side of the equation were dropping F bombs left and right- goes to show the level of intelligence and civility of these people...


Apparently quite a few "gray market" and/or "backstreet NY" photographic/electronics vendors exist, who:
Sell crap, scalp on non-refundable shipping FULLY expecting customer dissatisfaction upon receiving crap... and play the numbers, tricking customers into returning the crap so that you can turn around and resell it to the next chump.

Posted by: wow | May 08, 2009 at 09:55 AM

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Leon

http://www.mypadmedia.com

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Melanie

I definitly agree with all the great advise you have provided, I would like to get your opinion on getting a referral to a credit collection company. Also I was told by my merchant that my dispute rights are lower since I do not get a copy of the credit card and signature. Is there a solution to this since I do allot of my business nationwide over the phone? I do have my customers sign a invoice receipt of the services and/or products that they have purchased from my company that clearly states the refund policy. But my merchant company stated that the signed invoice receipt does not hold up when it comes to if that particular customer is now trying to dispute the charge as I look at it as "Friendly Fraud" but I was told that if I had a carbon copy of credit card and signature that would make it more solid in my company favor. I appreciate you feedback! Thank you and great job!

Melanie

Also I would appreciate a copy of your letter that you send to a fraudulent customer giving him/her 30 days to pay chargeback money back. Thank you so much!

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NeverColdCallAgain

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Julien

Me too, I would really appreciate a copy of your letter that you send to a fraudulent customer giving him/her 30 days to pay chargeback money back. Thank you so much! And many thanks for your article as well!

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Brian

Great article...I would really appreciate a copy of your letter and referral to the collection agency you use

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Renee White

If you need a referral to a good collection agency, e-mail me. They’re cheap, they charge a flat rate rather than a percentage of the accounts, and they report to all major credit bureaus.

Please send me a referral to your collection agency. And by percentage of the accounts do you mean the number of accounts you got a chargeback on?

I use a simple form letter that explains to the customer that they have wrongfully and fraudulently disputed charges and are now responsible to me for the full charge amount plus the bank chargeback fees. They are notified that they have thirty (30) days to pay in full, and if they do not, they will be placed with a third-party collection agency and their account will be reported to all credit bureaus as a delinquent collection account, severely damaging their credit rating for at least the next seven (7) years. The letter also explains that we will no longer accept a return of the merchandise as settlement for the debt and will only accept payment in full.

Please also send me a template of your form letter as well. Your article was excellent and by far the best I have ever read on the subject.

I had some questions about chargebacks. Since you wrote such an excellent article I was hoping you could help me.

1. How safe is it to run business that utilizes merchant accounts in this age of fraudulent chargebacks? And especially ecommerce dealing with electronics? On a scale of 1-10 how would rate ecommerce and brick and mortar safety when it comes to chargebacks?

2. I was told by Paypal that the percentage of transactions resulting in chargebacks is about 1% and that chargebacks are no less common on ebay than anywhere else. Would you agree with that and based on your experience what percentage of transactions end in chargebacks?

3. Should a potential (and especially one considering ecommerce with high end electronics) merchant consider not having having an online business because of the chargeback risk? For example smaller sellers who would use dropshippers and have extremely limited capital (just enough to start and run their business and maybe fund one chargeback until the business really hits its stride). Are the risks just too great for them? Or is there nothing to fear, but fear itself?

Thank you again for your excellent and informative article. Please answer the questions and send the form letter template and collections agency referral as soon as is possible for you.

NeverColdCallAgain

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are a real live human being and not a spam source.

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Renee White

I am human Frank and am replying to your message. I don't know how to leave the subject line intact or what that means. Please reply to my message above by giving me your materials and answering my questions. Thank you

If you need a referral to a good collection agency, e-mail me. They’re cheap, they charge a flat rate rather than a percentage of the accounts, and they report to all major credit bureaus.

Please send me a referral to your collection agency. And by percentage of the accounts do you mean the number of accounts you got a chargeback on?

I use a simple form letter that explains to the customer that they have wrongfully and fraudulently disputed charges and are now responsible to me for the full charge amount plus the bank chargeback fees. They are notified that they have thirty (30) days to pay in full, and if they do not, they will be placed with a third-party collection agency and their account will be reported to all credit bureaus as a delinquent collection account, severely damaging their credit rating for at least the next seven (7) years. The letter also explains that we will no longer accept a return of the merchandise as settlement for the debt and will only accept payment in full.

Please also send me a template of your form letter as well. Your article was excellent and by far the best I have ever read on the subject.

I had some questions about chargebacks. Since you wrote such an excellent article I was hoping you could help me.

1. How safe is it to run business that utilizes merchant accounts in this age of fraudulent chargebacks? And especially ecommerce dealing with electronics? On a scale of 1-10 how would rate ecommerce and brick and mortar safety when it comes to chargebacks?

2. I was told by Paypal that the percentage of transactions resulting in chargebacks is about 1% and that chargebacks are no less common on ebay than anywhere else. Would you agree with that and based on your experience what percentage of transactions end in chargebacks?

3. Should a potential (and especially one considering ecommerce with high end electronics) merchant consider not having having an online business because of the chargeback risk? For example smaller sellers who would use dropshippers and have extremely limited capital (just enough to start and run their business and maybe fund one chargeback until the business really hits its stride). Are the risks just too great for them? Or is there nothing to fear, but fear itself?

Thank you again for your excellent and informative article. Please answer the questions and send the form letter template and collections agency referral as soon as is possible for you.

NeverColdCallAgain

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are a real live human being and not a spam source.

To complete this verification, simply reply to this message and leave
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Renee White

I already posted this stating that I am human and am replying to your message. I don't know how to leave the subject line intact or what that means. I already tried to leave a message at your help desk and they DID NOT reply so please reply to my message above by giving me your materials and answering my questions. Thank you

If you need a referral to a good collection agency, e-mail me. They’re cheap, they charge a flat rate rather than a percentage of the accounts, and they report to all major credit bureaus.

Please send me a referral to your collection agency. And by percentage of the accounts do you mean the number of accounts you got a chargeback on?

I use a simple form letter that explains to the customer that they have wrongfully and fraudulently disputed charges and are now responsible to me for the full charge amount plus the bank chargeback fees. They are notified that they have thirty (30) days to pay in full, and if they do not, they will be placed with a third-party collection agency and their account will be reported to all credit bureaus as a delinquent collection account, severely damaging their credit rating for at least the next seven (7) years. The letter also explains that we will no longer accept a return of the merchandise as settlement for the debt and will only accept payment in full.

Please also send me a template of your form letter as well. Your article was excellent and by far the best I have ever read on the subject.

I had some questions about chargebacks. Since you wrote such an excellent article I was hoping you could help me.

1. How safe is it to run business that utilizes merchant accounts in this age of fraudulent chargebacks? And especially ecommerce dealing with electronics? On a scale of 1-10 how would rate ecommerce and brick and mortar safety when it comes to chargebacks?

2. I was told by Paypal that the percentage of transactions resulting in chargebacks is about 1% and that chargebacks are no less common on ebay than anywhere else. Would you agree with that and based on your experience what percentage of transactions end in chargebacks?

3. Should a potential (and especially one considering ecommerce with high end electronics) merchant consider not having having an online business because of the chargeback risk? For example smaller sellers who would use dropshippers and have extremely limited capital (just enough to start and run their business and maybe fund one chargeback until the business really hits its stride). Are the risks just too great for them? Or is there nothing to fear, but fear itself?

Thank you again for your excellent and informative article. Please answer the questions and send the form letter template and collections agency referral as soon as is possible for you.

NeverColdCallAgain

Please note, this is no longer my primary
email address. If you are trying to reach
me, please contact my helpdesk and
provide your full contact info so they
can forward it to me:

http://www.nevercoldcall.com/helpdesk

Thanks, and talk to you soon!
Frank Rumbauskas


***Follow me on Twitter***
http://TwitterFrank.com

Learn the secrets of Google AdWords:
http://www.adwordsinsidesecrets.com

9y878

totally--but out of reach for many of the smallest,simplest sellers. one thing we ALL need. a social security shitlist.

credit card requires SS# to use card and such. merchant service should require ability to check # of cbs yes? now your merchant service should offer all merchants an option to ban ANY individual automatically from even ordering.

More than 1 chargeback a year, more than 2 per 3 months,etc... and when they are done with their cart,entering their addy, scouring for coupons and all that time they click complete order and....


Your chargeback history shows that do not meet any definition of an individual we wish to associate with.

Your order has been cancelled. Our partner merchants have been sent your data and have also blacklisted you they include (walmart,walgreens, oranges from old man ted)

Your cart has been emptied, your address and email are as we speak being sold to guys who wanna sell you $20 viagra tablets and charge you $ for free porn (see 2 font policy for aholes-its there somewhere may be in cantonese and in invisible ink which IS a legal language/product)


Your name is now crap. Your credit is still ok but your walking around with a 3rd tit or something in any store you wish to buy something in -you stand out - get out! not wanted

LadyRuby

Are you still there? Last posting was 2009...It's now 2012 and I need the same help that all your responders already requested. This fraud perpetrated against vendors continues. If you are still a viable resource for collection agencies, form letters, please let me know.

Oak

Great article, thanks for sharing. Will you please email me the name of the collection agency and format for the demand letter. It will be a very valuable for us.

Thanks

Wolf

Highly interested in your collection agency as well as the "30 day letter" in you request the payment.

Thank you!

Get Your 3 Free Credit Scores

this process is a nightmare. Getting into debt and clawing out was the worst trial of my life. Despite the fact that my credit will be bad for a while

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