posted on April 4, 2001 08:40:11 AM new
I rceived a payment in December from a costumer at Billpoint. I sent the product to the address given from Billpoint. A month after I received a charge back notice from Billpoint and the reason was that The costumer did not recognized the charge. I find out that used the persons name to open an ebay account and a billpoint account.
Now Billpoint sent me another email telling me that the bank refuses to accept my dispute and the decision was final they will chargeback my account.
posted on April 4, 2001 11:22:07 AM new
Unfortunately, it sounds as if a stolen credit card was used.
Nothing you can do about the chargeback.
You should DEFINATELY inform yourself of the signs of fraud if you have not already done so. Unfortunately, chargebacks are ALWAYS a risk of accepting credit cards, whether it be directly, or through a third party service.
posted on April 4, 2001 01:53:36 PM new
Some companies are better than others at preventing fraud or fighting it when it occurs. Western Union's Moneyzap contacts every payer when the first payment is sent. Hard to claim afterward that it was fraudulent.
I still think you should contact the bank that issued the credit card and ask them how something sent to the correct address can be charged back.
I once had a customer charge something back and claim his son used his credit card without permission. When the CC tried to say that the charge back would go through, I told them that I had one of their credit cards and I also had a son. If this was their policy, my son would be treating himself to everything my credit limit could handle. They quickly reversed the CB.
Incidentally, even if the credit card upholds the CB, if it went to the correct address, you can still file fraud against the customer.
posted on April 4, 2001 02:59:02 PM new
yisgood Good thought. They kept a package that was not theirs. This is assuming there was proper identification on the package and it was sent to the Address on file with the credit card and you can prove you sent it.
eventer here are some quick answers to your post
Cash? It gets stolen, lost in the mail...buyer claims they sent it but it doesn't arrive. - Tough luck, I did not get it and I do not ship, I do not loose.
Personal Checks? Stolen checks, NSF, stopped payments...shall I go on? That is correct you may go on.
Cashier's Check? Oh, can they be stolen? Can they be stopped? Generally only in a case of fraud and it depends on how you cashed it.
Money Order? Stolen, stopped... If it is a USPS Money order and you cashed it at the PO then tough. You have the money, the PO has to come after you for it.
Gold Bullion delivered to your house? Same as cash, if it makes it I ship it not I don't.
I think jarheadman was making the point that in his opinion credit cards are more likely to encounter a problem morethan other payment methods. I agree with this. I still take them.
