I have a online store that sells electronics. A person purchased 2 laptops and a Camcorder. I shipped the products from a dropshipper and had the delivery confirmed. Now, 45 days later, I have a chargeback that the credit card company says I am responsable for. The credit card was reported stolen after the purchases were made. My merchant services won't help me, they say I have to payup. I did not commit the fraud, it was commited against me. Does any one know the right place to file a complaint report? I know this persons address. My business is in PA and the merchandise was delivered to AZ. The police there said I had to file with PA police. No one wants to help. Anyone know who can?
2006-12-29 05:56:38 · 8 answers · asked by jak1jo2 1 in Computers & Internet ➔ Internet
Here are some articles and services offered to estores to protect them from credit card fraud.......
But in the end it is you as a business owner that are responsible for checking each card and verifying transactions are indeed valid before shipping. Either way it is you who pays, no one is going to return your money, period it is part of the profit and loss and risks you take of doing business. but here is the article and products:
http://www.acmetech.com/blog/2005/06/18/merchants-pays-for-online-credit-card-fraud/
http://www.zen-cart.com/forum/showthread.php?t=25139
And pretty much the advice everyone is giving you is for either the people that have had their cards ripped off or people that have been ripped off by businesses. The better business bureau does not take complaints against individuals.
Actually your best bet is AMEX, VISA, MC merchants services, but if they have told you no already that means the card had already been listed as lost or stolen and you did not run the proper check first, so in the end they determine it was your fault for not checking against the services they provide. You can purchase insurance to cover this in the future I think.
2006-12-29 06:07:09 · answer #1 · answered by Anonymous · 0⤊ 1⤋
You need to speak with your local police department. The fraud actually happened to you where you live. The theft of the credit card happened where the buyer is. More than likely, your police department will contact the AZ one. You just have to start at the right place.
2006-12-29 05:59:58 · answer #2 · answered by UNI Panther 3 · 0⤊ 1⤋
What does the PA police say? Small claims court may help you, or the Better Business Bureau, or a lawyer.
2006-12-29 05:59:29 · answer #3 · answered by Sim 2 · 0⤊ 2⤋
The Better Business Bureau!
2006-12-29 05:58:05 · answer #4 · answered by Jeff V 2 · 0⤊ 3⤋
Better Business Bureau.
2006-12-29 05:57:26 · answer #5 · answered by Jaysa 1 · 0⤊ 2⤋
It is the Better Business Bureau. They should have local chapters in your state or region. Or call info or check your state or federal sections in the phone book.
2006-12-29 06:31:19 · answer #6 · answered by Anonymous · 0⤊ 1⤋
Aside from the police, you're probably on the hook for the charges.
There is insurance you can get to ward off this in the future.
2006-12-29 06:03:06 · answer #7 · answered by romulusnr 5 · 1⤊ 0⤋
your states' consumer protection bureau.P.S. you are only responsible for $50.00 of fraudulant purchases.
2006-12-29 05:57:57 · answer #8 · answered by St♥rmy Skye 6 · 0⤊ 2⤋