how-to block ads
|
|
Share Topic
 |
 |
|
|
|
| reply to MGD
Re: Ebook websites, fraud charges, Devbill/DigitalAge/Pluto Thank you for linking to this forum from »www.sygyzy.com/2007/02/07/e-book···new-419/
We reported the charge as fraudulent, shut down the debit card immediately but the company was still able somehow to refund the $4.95 even though the debit card number they used was now defunct so how were they able to get the refund issued through the bank while the bank was aware it was a fraudulent charge to begin with? I'm not happy with the bank for doing this because that pretty much cuts me off from being able to do anything else about it, though I admit from the way you make things sound, it might not be completely beneficial if all I am going to be able to do is take down some unknowing mule. I truly was hoping to keep them from being able to make a refund even so far as refusing to give any contact/billing information regarding the charge when I finally got a heavy accent speaking lady that answered the phone at the number listed with the charge. Note I had called numerous times with the landline home phone with never an answer then later that evening I called with a cell phone and she answered right away. Odd. | | |
|
MGDPremium,MVM
join:2002-07-31
kudos:9 | said by Amy B80 :
..... so how were they able to get the refund issued through the bank while the bank was aware it was a fraudulent charge to begin with? ... For cancelled cards there is a rollover process that extends at least for 30 days where a credit will be cross referenced. It is not the banks fault, as once the original biller issues a refund for the charge the process is automated.
As mentioned before, that is why they always list a relay phone number on each site, and aggressively try to issue credits when a victim intends to charge it back. A chargeback negates the original charge and then adds a $25 fee from the merchant processor. That eats away at the syndicates funds, and is eventually what burns the account up. Depending on the variables the account can last for a year or more. However, the growing amount of chargebacks and fees eventually cause the account to implode, and it ends up in a huge negative.
So a priority for the criminals is to issue a credit in lieu of facing a charge back. In addition, corresponding with a victim allows them to deflect attention away from them by insisting that "someone" compromised their card and used it to purchase something at the site. That modus operandi has been in use for years. In fact some of you may recall in 2003 - 2004, during earlier versions of this syndicate's enterprise they had websites which had a message on the main page that said "If you received a charge from xyz company on you card. Please enter the last four digits of your card number to receive a refund credit." That format was subsequently discontinued as it became ridiculed. Placing a message and entry box prominently on the main page became an obvious scam flag when thousands of users reported charges from assorted sites that all had the same format.
MGD | |
| "Sensate Technology" got me for 11.85 the day after xmas. Who you bank w/doesn't matter?, heh... I guess not! I bank with Keesler Federal Credit Union.. their fraud folks took care of my financial woes but of course now almost february and the extent of my revenge is senate tech's page being "under construction" .. I mean c'mon, with ALL the evidence displayed even here in this very topic and with all the subsequent topics and complaints lodged across the vast spectrum of cyberspace..
ya do a google search for sensate technology now just complaints come up? wait... cause ... wait!
on the 27th (yeah didn't notice for a day) I typed "Sensate Technology" into google and the 1st hit was sensatetech.com which I went to and got their 800# off the home page (oh GOOD) and of course a voicemail. They missed their chance to deflect me mind you, as I did call them first by mistake, not the bank. God knows what could have happened, but why now when I search for them, they're not in google anymore? Hmm... Was my IP hijacked at that time? Or for a string of days as set by some crafty algorithm? Or was this "mule" just not stopped yet...
After the voicemail fiasco I did call the bank, and the bank calls them. VM. Fraud Security to me:
Ok mr you we that protect your money will credit you provisionally [o rly]. After our investigation if the charge is valid, you'll be billed back + 5. If They credit you, you'll be charged the 5.00 ?'s
o.o;; Um.. no. Thanks for your help?
No problem Mr You, have a nice day. .
And so my conclusion: Gold is on the back up, and why? Cause I can hold that mofo in my basement and no greasy eurotrash or lazy get-rich-quick white trash can get ahold of it!
"Good night, and good luck."
PS has anyone broken a story on this yet? I'm tempted to point this topic to MSNBC as your analysis could be made a worthy spectacle. | |
| and for whatever reason this part of my reply was cut off but I stand by my words nonetheless:
Obviously they'll be no real judgement day for anyone who's involved at the top.. but at this point, and this is why this post is 2 days in the making... I don't fault the slavs for being enterprising. It might even be terrorist funds, who knows, it's the ****** ****** that allowed my card info regardless of where it was being stored or on whatever computer data bank or napkin to be used improperly. And if this ... schema is correct ... then it is really 1 or 2 dudes at esperion or transunion gettin' paid to lift pads of numbers. That's the guy I want. Until then I won't have a card. Or closure.
And if after Dateline gets another ball rolling on another crackdown They have a patsy to setup for the fall, so be it! I want my proverbial kick in the nads to this fall guy, cause if that's his lot in life, than who am I to deny him his calling? Yeah? I mean it's maddening going through something like this. You do everything right. Clear the browser cache. Install anti-everything-ware. Soon your computer isn't even really worth the price you paid for it with your credit card and. doh! > | |
|
