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FIB - Scams 101
?????????? VERY far-fetched ??????????
Posted By: Bob E. In Response To: Re: Disputing charges - DON'T DO IT! (Helen T.)
Date: Thursday, December 13, 2007, at 9:43 a.m.(pst)
In Response To: Re: Disputing charges - DON'T DO IT! (Helen T.)
That's a very strange post you made.
Because when a merchant loses money from a charged-back credit card transaction, there is a way for the merchant to get his money back and have the chargeback reversed. They simply dispute the chargeback through their merchant account provider and give PROOF that the customer is wrong for the reason they asked for the money back, and prove they (the merchant) are in the "right" in being allowed to keep the money they charged to the customer's card.
If in fact they (the merchant) are in the "right", the chargeback will be reversed and they will get their money back (mind you, they got charged a chargeback fee when the chargeback was initiated and that chargeback fee is not refunded to them should they be successful in reversing the chargeback, but they do get the money back for the charges. They lose that chargeback fee but that's the cost of doing business and taking payment via credit cards. They agree to accept this fact when they signed up for the merchant account with their merchant account provider/merchant bank).
So for CCI to sue you and spend all that money in a lawsuit when they simply have to dispute the chargeback given the channel provided, it seems very strange.
Besides, everyone and every company knows that suing for less than $10K is usually not cost effective and like I said, since they already had a channel to dispute the chargeback, then why would they spend money on a lawsuit for $5K? Very odd, indeed.
I would also venture to guess that unless you, Helen T., can provide absolute proof of your claim that you are being sued by CCI for $5K over a chargeback your CC company initiated because of a dispute you made to the charges they (CCI) initiated on your card, I have to say that your post is very suspect. I'm not saying you're lying, but something just doesn't add up here.
I will have to take your post with a grain of salt (and advise others to as well) and even assume that you ***might*** be in "cahoots" with CCI - going around to forums scaring people out of disputing CC charges by CCI.
Sorry, again I may be wrong, but until further proof is given that's what I have to conclude as a rational-minded, always-suspect consumer.
>> Just a heads up. I found out the hard way that CCI is ruthless! I
>> successfully disputed the charges with my credit card company a month ago
>> and thought everything was taken care of. I have just been served with a
>> lawsuit by CCI for over $5,000! I had to hire an attorney and I found out
>> that CCI actually has a case against me. Evidently, CCI's wording on their
>> website is pretty tight and actually legal. So even though the credit card
>> company gave me the money back, CCI is owed the money. And I don't know if
>> I'm the only one they are making an example of, but this is possibly going
>> to ruin me. Beware@!
Messages In This Thread
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