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Fraud Case

by Ayman10
15 replies
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Hello Fellow Warriors...


I have purchased an online product from some vendor, apparently I have pushed the Purchase button 5 times because the page freezed, which led to charging my cc 5 times.

I have explained the case to the vendor and gave him all the evidence that his system charged me 5 times: the receipts, copy of my bank statement....etc

The vendor claims that he did not receive the money. My bank confirms that he got the money.

I don't know what to do. Unfortunately, I didn't pay through paypal, and I don't remember the merchant site. What I have are only the purchase receipts.

By the way, the vendor acknowledges the first purchase only, and he says he issued a refund, but since 3 weeks now.......No Money.

I don't know where to take my case to..

Any Help??
  • Profile picture of the author taskemann
    Did you pay with a credit card? If you did, contact your credit card company and explain the problem to them. They usually take things like this seriously and refund you the money.

    Jimmy
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  • Profile picture of the author sbucciarel
    Banned
    File a chargeback through your bank. No one else can remedy this.
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    • Profile picture of the author David Braybrooke
      Originally Posted by sbucciarel View Post

      File a chargeback through your bank. No one else can remedy this.
      Unless you have your own lawyer of course, then you can have this scammy vendor busted and do us all a big favour. The BBB?
      Signature
      "The scientific theory I like best is that the rings of Saturn are composed entirely of lost airline luggage." - Mark Russell
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      • Profile picture of the author Ayman10
        Originally Posted by David Braybrooke View Post

        Unless you have your own lawyer of course, then you can have this scammy vendor busted and do us all a big favour. The BBB?
        No....not BBB...The strange thing, they keep apologizing for the mistake, and they promise the REFUND will be within a day or two.....and since 3 weeks...not a single dime...nothing...even the purchase that they acknowledged.
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        • Profile picture of the author Patrician
          Originally Posted by Ayman10 View Post

          No....not BBB...The strange thing, they keep apologizing for the mistake, and they promise the REFUND will be within a day or two.....and since 3 weeks...not a single dime...nothing...even the purchase that they acknowledged.
          Seriously - you need to listen to people saying to file a dispute with your credit card bank. They will get the money back - and you will not pay interest on the amount - You just need to document your attempts to get a refund - emails, your receipts, etc.

          It is a typical tactic of scammers to promise they will refund - or some other time delaying tactic (sick, death in the family, etc) -- what they are doing is letting enough time go by that eventually it will be too late to file a dispute - depending on your bank it can be 30-60 days -

          The scammer is depending on you being stupid and listening to his excuses when you don't see any money they say they are sending. DUH!

          So take action right now or kiss your money goodbye.
          Signature

          Patricia Brucoli
          Plug-In Profit Site Helpdesk

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  • Profile picture of the author seasoned
    just file a dispute with the bank! You know, perhaps ***THE*** world leading internet CC company had a problem like this. IT was due to a Y2K problem, where customers wer only charged TWICE. You know what happened to them?

    THEY WENT BANKRUPT! SERIOUSLY, when is the last time YOU heard of cybercash!? They got a writeup in wikipedia!

    On January 1, 2000, many users of CyberCash's ICVerify application fell victim to the Y2K Bug, causing double recording of credit card payments through their system.[3] Although CyberCash had already released a Y2K-compliant update to the software, many users had not installed it.
    The company filed for Chapter 11 bankruptcy on March 11, 2001. VeriSign acquired the Cybercash assets (except for ICVerify) and name a couple of months later. On November 21, 2005 PayPal (already an eBay company) acquired VeriSign's payment services, including Cybercash. [4]
    You should be able to get the duplicate charges reversed with no problem. BTW FORGET BBB! MOST companies DON'T care about that enough to expedite procedures AND, if they don't, you will be almost guaranteed to NOT get a refund.

    Steve
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  • Profile picture of the author seasoned
    Originally Posted by Ken_Caudill View Post

    I am puzzled as to how your pushing the buy button 5 times constitutes fraud.
    He communicated with the seller. The way it works is that the processor gets the info, debits the payers bank, records it, tells the seller, and gives them a period of at least 2 months to CREDIT! SOMETIMES, they don't even automatically "capture" the charge. If a charge isn't captured, it can remain debited for a time.

    When a customer tells a vendor about a problem like this, the vendor SHOULD go to the processor, and credit the charges. They can then tell the customer that should see the credits.

    NOTE to the OP though. There IS an INTERNATIONAL SCAM(at least for US citizens/cards)! Call it what you want, but it IS a SCAM! It involves banks and "DEBIT CARDS". They may take a LONG time to credit you for a credit.

    Pushing the button 5 times and getting charged for it is just a DUMB, but common, design flaw. Charging 5 times, and not refunding, after told of the problem, is fraud.

    Steve
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  • Profile picture of the author Dennis Gaskill
    I bought a computer online once. Everything seemed to go well, but the next day I got a call from the customer service department saying the order didn't through. He offered to put it through for me. I agreed. He tried, twice, and it both times it failed again. So I paid for it over the phone by check.

    The next month when I got my bank statement all four orders went through. I was charged nearly $10,000 for four computers. I dicked around with them in call after call for two months trying to get my money refunded. After all that time only one purchase was refunded, so I was still charged for three computers when I only bought one.

    I finally had to file fraud charges against them to get my money back. My advice to you is to quit messing around with the company and call your credit card company or your bank that issued the card. Start the chargeback process immediately.
    Signature

    Just when you think you've got it all figured out, someone changes the rules.

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  • Profile picture of the author Ayman10
    Today I called my bank, they said file a chargeback....will do and.let you know.
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  • Profile picture of the author seasoned
    Originally Posted by Ken_Caudill View Post

    My best guess is that the issuing bank put a hold on the charges effectively putting the money into accountant limbo. Happens all the time with online purchases, wire transfers, anything that seems odd to a 30k a year bank employee.

    Now, of course, the bank will penalize the vendor for a chargeback. It's a wonderful world.
    In CC processor terms, it works like THIS.....

    1. AUTH.... This generally happens in SECONDS! The vendor sends details to the processor, the processor sends the to the issuer, the issuer determines if they will pay. If the issuer will pay, they debit the account, and tell the processor, who tells the vendor. If this fails before the processor sends the code out, all is to be reversed.
    2. CAPTURE... This is even quicker. Basically, the vendor says all is well, they get the money in their account.
    3. CREDIT... The charge is rolled back to some degree.

    Of course, with debit cards, the bank may take its own time in recognizing a credit. Maybe they NEVER do. Eventually though, the buyer gets the money back if it isn't captured.

    The vendor WAS told about this. If the gui somehow failed or something, he can prove that, and get the charges dropped. of course, gateways SHOULD have a dual action process, where you can get an ID for a limited time, and use that ID to place the charge. The GATEWAY can then REFUSE duplicate charges! Failing that, the software USING the gateway should have a similar lockout mechanism. Some sites even use Javascript for this! The button is active for only one click. Of course, you see warnings in many places against clicking multiple times, to prevent this.

    Steve
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  • Profile picture of the author seasoned
    Originally Posted by Ken_Caudill View Post

    Issuing banks can put on a hold any time they wish. Why would you want to disseminate disinformation?
    WOW, there were even rules passed some time ago, in the US at least, to LIMIT a bank's ability to hold funds while waiting for a check to clear. There ARE limits!

    A Guide to Regulation CC Compliance

    As for banks issuing credit cards, if you get a refund, it should release the credit as soon as it posts. Granted that time may vary based on the processor, etc... HECK, one popular program in the 1990s STARTED the processing as a batch at night, and some companies, at least for receipts, took up to like 3 days. It seems most now are pretty quick.

    Steve
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