CC Fraud - Merchant
Discussion
Hi,
I've just been the victim of a 5k CC fraud.
Customer is away with the goods, CC company have wiped the funds from my bank
I've been & spoke to BiB, although still waiting on them coming back to me.
Has anyone ever managed to get a positive result from this ?
I've keep getting confliciting stories, but nothing factual as yet.
Recently been told that if i'm PCI compliant then our machine provider should have an insurance policy that deals with this type of fraud.
Also been told that my bank can help.
Its a minefield
I've just been the victim of a 5k CC fraud.
Customer is away with the goods, CC company have wiped the funds from my bank
I've been & spoke to BiB, although still waiting on them coming back to me.
Has anyone ever managed to get a positive result from this ?
I've keep getting confliciting stories, but nothing factual as yet.
Recently been told that if i'm PCI compliant then our machine provider should have an insurance policy that deals with this type of fraud.
Also been told that my bank can help.
Its a minefield
I've never successfully fought a chargeback. I've argued probably in excess of 30 or 40.
All the card owner needs to do is sign a declaration saying "It wasn't me" and that;s the end of the matter, as far as the Acquirer is concerned.
They ask you to provide all kinds of backup to the sale (receipts, addresses, PODs and so on), and then tell you it wasn't enough - no other feedback.
Passing Third Man is not sufficient for them to throw it back on the seller, because "checking against fraud is not part of the service we provide"...
All the card owner needs to do is sign a declaration saying "It wasn't me" and that;s the end of the matter, as far as the Acquirer is concerned.
They ask you to provide all kinds of backup to the sale (receipts, addresses, PODs and so on), and then tell you it wasn't enough - no other feedback.
Passing Third Man is not sufficient for them to throw it back on the seller, because "checking against fraud is not part of the service we provide"...
RRLover said:
Hi,
I've just been the victim of a 5k CC fraud.
Customer is away with the goods, CC company have wiped the funds from my bank
I've been & spoke to BiB, although still waiting on them coming back to me.
Has anyone ever managed to get a positive result from this ?
I've keep getting confliciting stories, but nothing factual as yet.
Recently been told that if i'm PCI compliant then our machine provider should have an insurance policy that deals with this type of fraud.
Also been told that my bank can help.
Its a minefield
Do you have CCTV?I've just been the victim of a 5k CC fraud.
Customer is away with the goods, CC company have wiped the funds from my bank
I've been & spoke to BiB, although still waiting on them coming back to me.
Has anyone ever managed to get a positive result from this ?
I've keep getting confliciting stories, but nothing factual as yet.
Recently been told that if i'm PCI compliant then our machine provider should have an insurance policy that deals with this type of fraud.
Also been told that my bank can help.
Its a minefield
You won't be getting the money or the goods back, sorry.
As someone else has mentioned, it's a good idea to get sight of the card and ID in collection. To be honest, I probably wouldn't even take phone payments for an order that big in future.
If you have to, look into chargeback insurance. Although I'm not 100% sure if that covers phone transactions.
As someone else has mentioned, it's a good idea to get sight of the card and ID in collection. To be honest, I probably wouldn't even take phone payments for an order that big in future.
If you have to, look into chargeback insurance. Although I'm not 100% sure if that covers phone transactions.
It's a classic cardholder not present fraud unfortunately. By giving you card details over the phone they don't need the PIN number. If anyone tries to do it then you just say we will take payment using the terminal on collection. They'll come up with all sorts of reasons why they can't but just stand firm. A common way they do it is to send a taxi to collect.
Why the banks don't give guidelines and examples of types of cc fraud I don't know, they've seen it all many times before.
Why the banks don't give guidelines and examples of types of cc fraud I don't know, they've seen it all many times before.
Chalk it up to the cost of doing business. Forget it and move on.
It’s not worth the time, energy or hassle.
I remember my first chargeback. Think it was £550 or so. I spent more in time trying to fight it than it cost in the end.
Also, nobody gives a f
k, nobody will do anything about it. Be it your bank, your processor, their bank, visa/MasterCard, the police, action fraud or anyone else you can think of.
I know it’s wrong, and it goes against every fiber of my being. But trust me, move on and make more money!
It’s not worth the time, energy or hassle.
I remember my first chargeback. Think it was £550 or so. I spent more in time trying to fight it than it cost in the end.
Also, nobody gives a f
k, nobody will do anything about it. Be it your bank, your processor, their bank, visa/MasterCard, the police, action fraud or anyone else you can think of.I know it’s wrong, and it goes against every fiber of my being. But trust me, move on and make more money!
RRLover said:
PDQ Machine.
Customer paid over the phone. Sent a "friend" two weeks later for the goods
This is plsy school fraud how did you fall for it? I mean it's the least sophisticated and most tried scam ever. I'm really sorry you got hit and I hope you get it back but please get streetwise going forward as you will experience far more subtle scams.Customer paid over the phone. Sent a "friend" two weeks later for the goods
To answer all replies.
Yes CCTV & got images of the girl in question
This was a vehicle repair, shes got my engine, turbo, injectors, clutch, DMF & battery.
She isnt that switched on, however neither was i at the time.
We dont usually get caught out & we also very rarely deal with retail customers, all are usually trade but she did come recommended from another business.
Car is on finance in her fathers name, she is the named driver on the insurance.
She gave a false name, but correct previous address. I've found the car, her parents address, her boyfriend, were he works, her new address.
According to BiB & the national press, this isnt the first time she has done it.
Card isnt stolen, its just been used unauthorised.
I personally think shes in cahoots with the cardholder. BiB have also confirmed.
I just need them to confirm to worldpay.
Just to add, she paid the balance upfront. We had the car for two weeks since balance paid.
Yes CCTV & got images of the girl in question
This was a vehicle repair, shes got my engine, turbo, injectors, clutch, DMF & battery.
She isnt that switched on, however neither was i at the time.
We dont usually get caught out & we also very rarely deal with retail customers, all are usually trade but she did come recommended from another business.
Car is on finance in her fathers name, she is the named driver on the insurance.
She gave a false name, but correct previous address. I've found the car, her parents address, her boyfriend, were he works, her new address.
According to BiB & the national press, this isnt the first time she has done it.
Card isnt stolen, its just been used unauthorised.
I personally think shes in cahoots with the cardholder. BiB have also confirmed.
I just need them to confirm to worldpay.
Just to add, she paid the balance upfront. We had the car for two weeks since balance paid.
Edited by RRLover on Friday 22 September 08:29
JimmyConwayNW said:
Thats her!RRLover said:
To answer all replies.
Yes CCTV & got images of the girl in question
This was a vehicle repair, shes got my engine, turbo, injectors, clutch, DMF & battery.
She isnt that switched on, however neither was i at the time.
We dont usually get caught out & we also very rarely deal with retail customers, all are usually trade but she did come recommended from another business.
Car is on finance in her fathers name, she is the named driver on the insurance.
She gave a false name, but correct previous address. I've found the car, her parents address, her boyfriend, were he works, her new address.
According to BiB & the national press, this isnt the first time she has done it.
Card isnt stolen, its just been used unauthorised.
I personally think shes in cahoots with the cardholder. BiB have also confirmed.
I just need them to confirm to worldpay.
Just to add, she paid the balance upfront. We had the car for two weeks since balance paid.
If you know who she is and where she lives, can you not submit a small claims case against her.Yes CCTV & got images of the girl in question
This was a vehicle repair, shes got my engine, turbo, injectors, clutch, DMF & battery.
She isnt that switched on, however neither was i at the time.
We dont usually get caught out & we also very rarely deal with retail customers, all are usually trade but she did come recommended from another business.
Car is on finance in her fathers name, she is the named driver on the insurance.
She gave a false name, but correct previous address. I've found the car, her parents address, her boyfriend, were he works, her new address.
According to BiB & the national press, this isnt the first time she has done it.
Card isnt stolen, its just been used unauthorised.
I personally think shes in cahoots with the cardholder. BiB have also confirmed.
I just need them to confirm to worldpay.
Just to add, she paid the balance upfront. We had the car for two weeks since balance paid.
Edited by RRLover on Friday 22 September 08:29
You might not get any money, but it might at leaset create problems for her with a CCJ on her file.
Fraud in the UK, especially online or card fraud, is a risk free crime.
The police, Action Fraud and banks/merchant processors simply don't care. Until a nationwide body is put in place to deal or investigate all reported fraud, it will continue to be a risk free crime. Action Fraud are totally impotent and I have reported stuff to them on 20+ occasions, not once have they followed up or taken action.
For a fraud of that value however, and if all of the details you have are correct, take everything down to your local police station in writing and make a statement. They'll try to fob you off to Action Fraud but politely decline. We had something similar for about £700 worth of stock. After MUCH pressing on my part, the police raided the person's address and recovered all of my stock (and a tonne of other stuff taken in other frauds). For 5k, if you have all the info, they should do something about it. Especially if she has previous.
The police, Action Fraud and banks/merchant processors simply don't care. Until a nationwide body is put in place to deal or investigate all reported fraud, it will continue to be a risk free crime. Action Fraud are totally impotent and I have reported stuff to them on 20+ occasions, not once have they followed up or taken action.
For a fraud of that value however, and if all of the details you have are correct, take everything down to your local police station in writing and make a statement. They'll try to fob you off to Action Fraud but politely decline. We had something similar for about £700 worth of stock. After MUCH pressing on my part, the police raided the person's address and recovered all of my stock (and a tonne of other stuff taken in other frauds). For 5k, if you have all the info, they should do something about it. Especially if she has previous.
This is slightly different to the normal card fraud, as you know the perpetrator. Apply to the DVLA for the address from the vehicle reg, if you can show a paper trail from the car to her then simply go for though the small claims court. She will get a CCJ, which may be enough to get her to pay. If it is not, get the judgement raised to the high court and get high court enforcement officers on to it. They'll take her car if she doesn't pay. It's all pretty straightforward these days and doesn't cost a great deal.
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