Quote:
Originally Posted by
Dan Druff
I am also confused about the chargebacks.
Banks always give the merchant 30 days to respond. If the merchant does not respond, the customer wins automatically. If the merchant does respond, they evaluate both claims and make a decision.
This is actually a loophole to win chargebacks against large businesses, as they often do not have the structure in place to respond to chargebacks within 30 days. I have recovered money from airlines that screwed me via this process, though I've only used it honestly, never to steal money that I'm not entitled to. (For example, I was once promised a refund due to a fare difference, never received it, and then subsequent calls had the airline denying I was ever promised it in the first place.)
But anyway... Marty, did you or did you receive notification of the chargeback attempt, and did you respond?
BTW, I think it's possible that Marty uses some third-party credit card processor. I doubt he has the ability to process the payments himself. Often those third party processors don't feel like getting in the middle of the chargeback routine, and simply ding the customer automatically when one comes through.
Also, it's possible this was a credit card payment through Paypal, who is also notoriously customer-biased when it comes to chargebacks.
it's a valid question about the chargebacks
I did have an opportunity to respond, but missed my window
When I originally called my payment processor (after Robert had filed his claims) the amount was immediately deducted from my balance, and I was naturally eager to get it resolved.
I was on the phone with the rep for close to 30 minutes and explained the situation in detail
As I remembered it, the rep told me I had (10) business days to submit my reply (along with screen shots etc) and any other relevant information to support my case and counter the chargeback claim
My mistake was waiting too long. In reality I had (10) calendar days...not business days...and was about 3 hours too late submitting my counter. The case had already been closed by his bank...and the burden is not on my payment processor to take further action on my behalf
As I said earlier though....I have written off the $885.00 and disabled Robert's site and email....I will not be disputing the chargebacks. I did have a window to make an attempt to mount a counter claim....but when push comes to shove, I was a day late.
With that said, he was perfectly within his rights to file a claim...and I have no problems with the act in itself of backcharging my business account....other than the fact he was demanding a refund within 24 hours or he was 'going to immigration'
My issue was (and has been since this all started)...his aggressive threats, abusive comments, disparaging remarks...and his general demeanor