Customer Does a Charge Bank with His Bank 3.5 Months After Purchase!

23 replies
The idiot didn't even bother to contact me first. Not that I would have honored it, but still.

Does anyone know how long someone has to do a charge back with a bank. I think it's totally unfair. I gave the guy 2 months to get a refund. The bank should of looked at the original purchase date and said NO WAY! That's too long.

Plus, Clickbank charges me when this happens. That's totally unfair too. What did I have to do with it?

I'm just glad this is an isolated incident. I think this happened once before about 2 years ago. So yeah, I guess it doesn't happen too often, I just wanted to get this off my chest.

Do you guys have this happen to you?
#bank #charge #customer #months #purchase
  • Profile picture of the author Rob Howard
    [DELETED]
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    • Profile picture of the author aaallday2010
      Originally Posted by ccmusicman View Post

      There are a few things you can do, but really, unless it's several hundred dollars or more, it's really not worth the hassle.

      Frustrating, yes.

      I would vent a little, then breathe, calm down, then go back to work.

      Best option for you.

      Rob

      Yeah I hear you man. I think I'm okay now.
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      • Profile picture of the author Mukul Verma
        Originally Posted by aaallday2010 View Post

        The idiot didn't even bother to contact me first. Not that I would have honored it, but still.

        Does anyone know how long someone has to do a charge back with a bank. I think it's totally unfair. I gave the guy 2 months to get a refund. The bank should of looked at the original purchase date and said NO WAY! That's too long.

        Plus, Clickbank charges me when this happens. That's totally unfair too. What did I have to do with it?

        I'm just glad this is an isolated incident. I think this happened once before about 2 years ago. So yeah, I guess it doesn't happen too often, I just wanted to get this off my chest.

        Do you guys have this happen to you?
        You got in business, welcome!!!

        I lose around $100 a month to charge back (just a business expense). Often it is people using others peoples credit card by fraud and the original owner does not notice til later. I thought the max you could do a chargeback (I have not looked into this for 4 years was 60 days)

        Cheers and sorry to hear that
        Mukul
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    • Profile picture of the author Patrick Mader
      Originally Posted by ccmusicman View Post

      There are a few things you can do, but really, unless it's several hundred dollars or more, it's really not worth the hassle.

      Frustrating, yes.

      I would vent a little, then breathe, calm down, then go back to work.

      Best option for you.

      Rob

      Jepp Rob is right... do it this way and dont care...

      Cheers,

      Patrick
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  • Profile picture of the author ZerosToHero
    Life must be bad for this person. I've bought some bad products before but it wasn't worth my time to even ask for a refund. However, if it's really expensive and it doesn't meet my expectations I definitely think twice about it.
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  • Profile picture of the author NikkiG
    Unfortunate cost of doing business.

    At least you're keeping your cool. Just chill and know that for that one refund there are hundreds of good sales.
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  • Profile picture of the author KirkMcD
    Originally Posted by aaallday2010 View Post

    The bank should of looked at the original purchase date and said NO WAY!
    It's not based on the purchase date. It's based on the billing cycle.

    You generally have 60 days from the date the statement was issued to do a chargeback.
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    • Profile picture of the author TedMarlett
      Check with your bank about the process for defending the purchase. Most banks have this process to go through. If you win you can get your money back. I'm not sure about the chargeback fee, but this may also be included. It will take time.
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  • Profile picture of the author seasoned
    Originally Posted by aaallday2010 View Post

    Plus, Clickbank charges me when this happens. That's totally unfair too. What did I have to do with it?
    YOUR account placed the charge. You expect CLICKBANK to eat it!?!?!? BTW I USED to think the max was 90 days. NOW, I hear it might be far longer.
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  • Profile picture of the author Goran Zinic
    That is frustrating.. I had similar charge backs in the past but all of them were in less than 50 days.

    Few months ago I had a guy who paid for access, download over 100 products and asked for a refund. Then next month again... he paid for access, downloaded products and again asked for a refund! And CB off course gave him again...

    Just though I need to mention.. maybe you'll feel better
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    • Profile picture of the author Daniel Brock
      Get used to it.

      There is a lot of slime online who won't think twice about ripping you off.

      It's too bad that the card company always sides with the customer.

      As a seller, you get treated like sh*t, but unfortunately that's how they run things.

      There has only been one time I have ever won a charge back over the past 7 years because the lady claimed the charge was fraudulent. I then replied back to PP and showed them proof of her contacting my company for technical support. Needless to say, I won.

      There should be penalties for people who file fake claims and get caught. Like a weekend in jail or something.

      It's a form of stealing...
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      • Profile picture of the author Chris Worner
        Originally Posted by Daniel Brock View Post

        Get used to it.

        There is a lot of slime online who won't think twice about ripping you off.

        It's too bad that the card company always sides with the customer.

        As a seller, you get treated like sh*t, but unfortunately that's how they run things.

        There has only been one time I have ever won a charge back over the past 7 years because the lady claimed the charge was fraudulent. I then replied back to PP and showed them proof of her contacting my company for technical support. Needless to say, I won.

        There should be penalties for people who file fake claims and get caught. Like a weekend in jail or something.

        It's a form of stealing...
        I thought that when you initiated a charge-back that you were signing an affidavit that your claim was legitimate and that you are not committing fraud?

        Chris
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        • Profile picture of the author seasoned
          Originally Posted by skyfox7 View Post

          I thought that when you initiated a charge-back that you were signing an affidavit that your claim was legitimate and that you are not committing fraud?

          Chris
          HECK NO! A lot of chargebacks don't require you to sign ANYTHING!
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  • Profile picture of the author Gary King
    Move on. It stinks, yes. Don't waste any more energy on it - instead, redirect that into more positive efforts making money or loving your partner/kids/dog/neighbor, etc.
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  • Profile picture of the author TheRichJerksNet
    All one has to do is cry to their bank and that is all it takes.. Most banks allow upto 120 days but I think they laws now even allow longer. The government has given so much power to the credit card companies that there is not much that can be done.

    Several years ago I sold a script for $3,000.. installed it, was working, client got members and made money, then one day (90 days later) I see in my email a chargeback for all $3,000 and this payment was not paid all at once. It was paid in 3 different payments.

    The client claimed he never got the script. I proved it was installed and provided screeshots of date and time installed with timestamps. I sent them to his site and proved it was still there making him money.

    Did not matter one bit, credit card company said we want our money back. I was charged $90 in fees + the $3,000 was taken out of my account.

    Till this day that same scam of a client has the site up and running still making money...

    James
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    • Profile picture of the author aaallday2010
      Originally Posted by TheRichJerksNet View Post

      All one has to do is cry to their bank and that is all it takes.. Most banks allow upto 120 days but I think they laws now even allow longer. The government has given so much power to the credit card companies that there is not much that can be done.

      Several years ago I sold a script for $3,000.. installed it, was working, client got members and made money, then one day (90 days later) I see in my email a chargeback for all $3,000 and this payment was not paid all at once. It was paid in 3 different payments.

      The client claimed he never got the script. I proved it was installed and provided screeshots of date and time installed with timestamps. I sent them to his site and proved it was still there making him money.

      Did not matter one bit, credit card company said we want our money back. I was charged $90 in fees + the $3,000 was taken out of my account.

      Till this day that same scam of a client has the site up and running still making money...

      James
      OUCH!
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    • Profile picture of the author Profit-smart
      Originally Posted by TheRichJerksNet View Post

      All one has to do is cry to their bank and that is all it takes.. Most banks allow upto 120 days but I think they laws now even allow longer. The government has given so much power to the credit card companies that there is not much that can be done.

      Several years ago I sold a script for $3,000.. installed it, was working, client got members and made money, then one day (90 days later) I see in my email a chargeback for all $3,000 and this payment was not paid all at once. It was paid in 3 different payments.

      The client claimed he never got the script. I proved it was installed and provided screeshots of date and time installed with timestamps. I sent them to his site and proved it was still there making him money.

      Did not matter one bit, credit card company said we want our money back. I was charged $90 in fees + the $3,000 was taken out of my account.

      Till this day that same scam of a client has the site up and running still making money...

      James
      This is what a TOS is for. You should have summoned his righteous little self to your local court house, and dealt with it *THERE*.
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      • Profile picture of the author TheRichJerksNet
        Originally Posted by Profit-smart View Post

        This is what a TOS is for. You should have summoned his righteous little self to your local court house, and dealt with it *THERE*.
        Actually this is what license agreements are for... But - So I spend $1,000 filling all the papers, serving him, paying court cost, and etc.. Then nobody can force him to go to court so assume he does not show up and I win. Now I got to pay more money for a claim but I can not collect because there is nothing that can force him to pay. I would have to have a judgement put on him and hope he dies within 10 years (as a judgement only good for 10 years) and then hope his estate has the money to pay me but even then spend more money going to his state to file more papers for the claim..

        Hmmm.....

        No thanks, not worth the trouble.

        This is why I started requiring clients to make a 25% deposit by western union before I even started work. Never had a problem since then.. Now I no longer take on clients but when I did and required the 25% by western union it took care of any possible problems...

        James
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    • Profile picture of the author XRay
      Originally Posted by TheRichJerksNet View Post

      All one has to do is cry to their bank and that is all it takes.. Most banks allow upto 120 days but I think they laws now even allow longer. The government has given so much power to the credit card companies that there is not much that can be done.

      Several years ago I sold a script for $3,000.. installed it, was working, client got members and made money, then one day (90 days later) I see in my email a chargeback for all $3,000 and this payment was not paid all at once. It was paid in 3 different payments.

      The client claimed he never got the script. I proved it was installed and provided screeshots of date and time installed with timestamps. I sent them to his site and proved it was still there making him money.

      Did not matter one bit, credit card company said we want our money back. I was charged $90 in fees + the $3,000 was taken out of my account.

      Till this day that same scam of a client has the site up and running still making money...

      James
      That is really nasty!
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      • Profile picture of the author TheRichJerksNet
        Originally Posted by XRay View Post

        That is really nasty!
        Exactly why the best advice posted on this thread was posted by Bob...

        I would vent a little, then breathe, calm down, then go back to work.

        It's the cost of doing business and trust me in the web development arena there are some nasty clients... Many good ones but also some very nasty ones.

        James
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    • Profile picture of the author Chris Worner
      Originally Posted by TheRichJerksNet View Post

      All one has to do is cry to their bank and that is all it takes.. Most banks allow upto 120 days but I think they laws now even allow longer. The government has given so much power to the credit card companies that there is not much that can be done.

      Several years ago I sold a script for $3,000.. installed it, was working, client got members and made money, then one day (90 days later) I see in my email a chargeback for all $3,000 and this payment was not paid all at once. It was paid in 3 different payments.

      The client claimed he never got the script. I proved it was installed and provided screeshots of date and time installed with timestamps. I sent them to his site and proved it was still there making him money.

      Did not matter one bit, credit card company said we want our money back. I was charged $90 in fees + the $3,000 was taken out of my account.

      Till this day that same scam of a client has the site up and running still making money...

      James
      Now you see why all the porn sites etc all use CCBill


      Chris
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  • Profile picture of the author CryoCrispy
    If everything was pie in the sky, it would be cut throat to do business with the few people who haven't heard about this form of business. =)

    Visiting family for a wedding in Colorado, my wife and I found an indoor custom water fountain we liked. Made the purchase, roughly $3k, on the notion the next one would be assembled and shipped once completed.

    One month turned into another until 3 months lapsed and I filed a charge back with my bank. It took 2 months to investigate it, but the charges were eventually reversed. It was one excuse after another, all lies. Eventually he confessed to using the money to pay other late bills he had.

    The door swings both ways, but it's a learning process. If you're in that situation in the future and you try to put measures in place to prevent you from getting screwed and they won't agree to it, you know up front it was a sour deal just waiting to go wrong.

    Sometimes you won't know what you need until after you've been exposed to the current weather. There are so many "what if" scenarios, you may never experience most of them.

    Just focus on what you need to stay in business and build your empire, at some point these setbacks will be minor compared to your business volume and you can either write them off as business expenses or have support staff deal with it for you.
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