Ccbill.com Ripoff refuses to reverse a fraudulent charge Internet *EDitor's Suggestions on how to get your money back!
I noticed a charge on my checking account statement for $24.95 and called the number referenced in the charge. It was CCBill.com - they noted that they collect funds for websites.
I did not sign up for any online websites. Someone with access to one of my checks looked at it and gave CCBill my account number and address which is on the check, which they accepted as identification.
I gave them my physical address and email address which did not match what they had on record. He asks if 'kristmaskaroll@yahoo' was mine, I said no because it's not. He asks if a physical address meant anything to me. I respond that yes, it is an old physical address of mine. He responded with 'Oh, then that is the one you gave us to sign up.' I reminded him that I did not give him anything and asked if they recorded the IP addresses or phone numbers or anything about the person signing up - he said 'No, we do not have that information.'
He said he could cancel my account, but would not refund my money 'since I signed up with my address to join All Asians dot com.' I have done no such thing.
Matt
Walnut Creek, California
U.S.A.
Click here to read other Rip Off Reports on CCBill.com
EDitor's Suggestions on how to get your money back!
HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish you file a dispute, and demand that they assist you in accordance with Federal Regulation E.
According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.
If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 # , and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.
Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!
DO NOT TAKE NO FOR AN ANSWER!
Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/comptroller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.
And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.
Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.
CHARGES TO YOUR CREDIT CARD
If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.
Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.
And good luck Let us know how you do!
ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.com
Don't let them get away with it.
Make sure they make the Rip-off Report!
We are not lawyers.
We are not a collection agency.
We are Consumer Advocates.
...the victims' advocate
WE are Civil and Human Rights Activists
We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers
CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.
1 Updates & Rebuttals
Wendy
Ft Lauderdale,Florida,
U.S.A.
How to get a refund or stop billing through CCBill
#2Consumer Suggestion
Sun, May 15, 2005
Hi first let me say that CCBill.com is NOT an adult website. CCbill is only a company that adult websites use to do their credit card processing. CCbill is paid a percentage fee out of your sales for this service. They do not personally own nor run any adult website. They have nothing to do with any of the content of the adult website not how they are run. I have been using CCbill for many years to do all of my online billing for my adult websites and have dealt with many consumer issues so I have lots of helpful advise on this.
1) If you have a charge on your credit card statement from CCBill and you say you did not sign up for any websites; Let me say to the ladies I can not tell you how many times that husbands & boyfriends use their girlfriends/wifes credit card to sign up for a porn site. They also use there own credit cards too. They also usually set up a seperate free email account so you won't see the emails to know that they joined and of course when you find the charge and confront them they will swear it was not them and it must be fraud. So do not always assume it is some crazy hacker out there with your info. The sign up 90% of the time is usually coming from your own home and even sometimes from your teenage son. Here is what you do. Immediately go the http://ccbill.com/customer-service.html and look up the account information to see what website was joined and when. You can also cancel the membership on this page. It will instantly stop any further charges (most adult websites are set to rebill monthly until canceled). If by chance it says the membership has already been canceled, well then you know for sure your hubby joined and canceled because a hacker is certainly not going to cancel. It will also show you the date of cancelation.
If it was truly a hacker who has gotten your cc info then you need to IMMEDIATELY contact your credit card company, cancel the card and ask for the charge to be reversed. Or if it was your neighbor, teenage son, boyfriend or soemone else who does not have authority to use your cc then you need to also call and have the credit card canceled and I also suggest calling the police and reporting this person for their illegal act of fraud and credit card theft.
If you want a refund for the charge then here is how to go about that. Let me state that I do NOT feel it is in any way fair to request a refund or do a chargeback if in fact your dear hubby purchased the porn and is hiding from you. That is something you need to deal with in your own house and not the problem of the website operator that they should be out the money for.
I suggest you also directly email the website operator of the website they joined (not CCBill) explain to them that there was an unauthorized charge and ask them to please reverve the charge. ALL website operators who use CCbill for their billing can log into their account and refund any charge at any time. This will save you the hassle of going through the chargeback process with your credit card company. I can't promise you all website operators will issue you a refund on their own as some are true slimeballs.
The website owner can also look up the exact IP address of the computer that the sign up came from. They can easily see if the charge came from overseas (where most fraud cc transactions come from) They can also tell if you are lying and and the signup IP tracks to your IP.
Also then contact CCbill and report the fraud. Understand that CCbill gets many many requests for refunds from people who just want to get out of paying for their porn and will lie and say it was an unauthorized charge when it was not. So they are not going to just issue a refund to anyone who asks for one. That is why you will need to contact your credit card company, cancel the card and ask for the charge to be reversed. If it is truly a fraud charge then you will cancel the card, if your don't then it must not be stolen. That is why they make you go through the chargeback process with you CC company.
2) Can't Access website - If you are being rebilled by CCbill and you did join an adult website but just are having problems accessing the members area remember, CCbill does NOT control the website you joined and can not help you with acess problems. They only do the billing. Many times access problems are soley on the customers end and a problem with their own computer.
a) Most website log ins are case sensitive. You must type in your username and password exactly as you originally typed it on the signup form. If you are unsure of how your username and password appears, you can look up your account information at https://www.ccbill.com/system/member.cgi
b) If you are not getting the window to open that you need to enter your username and password, make sure you have your browser set to prompt for user authentication.
c) Contact the website, you must contact the website that you joined (not ccbill) and let them know you are having a problem acessing. If they do not respond to help you after 48 hours then I would suggest you cancel your membership at http://ccbill.com/customer-service.html You can always rejoin later if they are able to remedy the problem for you or if you resolve the problem with your computer. The website owner can issue you a new username and password or extend your membership time to cover the days that you lost access if they choose to. It may be that there was a problem with the website itself (as server do go down sometimes) and if that is the case most website owners will issue you more access time if you ask them.
Also most adult website have a security progrma that automaticaly kills your password if you share it with other people. If the sites security system detects more than one IP using your username it will kill it. So do not share your password with others and make sure you pick a username and pass with numbers and letters in it to prevent password hackers from getting your log in info.
CCbill is truly honest, it is just that some of the websites that they process credit cards for are not and credit card theft/fraud is rampant on the internet so also be sure you only use your credit card on secure websites. I hope this is helpful info for you.