Chargeback fraud hurts our small businesses. Here's how I fight back.
I recently had a customer file a dispute on an item he ordered from my Clickfunnels landing page on the 117th day! (117 days after purchase)
In case you didn't know - VISA and MASTERCARD allow disputes up to 120 days from the charge, so this particular customer knew exactly what he was doing.
Chargeback Fees Too
Oh, and STRIPE, the processor for my Clickfunnels sales charged me $15.00 on top of the $19.98 purchase price. So, I lost almost twice as much as I was paid on this transaction, in addition to my actual cost for the product.
I provided the proof that the credit card verification - street address, zip code and cvv codes - all matched correctly. And I sent the proof of delivery from the Post Office Priority Mail tracking, but for some reason, Capital One didn't care, and allowed the customer to charge back the amount for their purchase.
What I Did About It
So, I sent the customer a letter and gave him 10 days to reimburse my company the $34.98 I was out. I told him I would be filing a Postal Fraud complaint if he did not pay.
Now, I have used this tactic successfully for many years, even on an eBay purchase when a customer disputed the charge for a pocket knife, and I have been successful in getting the money back. Usually from the letter, but if not, then as soon as the USPS contacts the scammer.
Mail Fraud is no joke, it's a FELONY.
Since this item was delivered to the customer by the Post Office, this is the first step I take to begin the process to recover my loss. It is usually effective.
You Can Use My Letter
You can download a pdf of the letter I use in cases like this below.