Georgia
New Providence,#2UPDATE Employee
Tue, November 28, 2006
On 09/19/06 this Clear Image Auto Glass signed a contract to process credit card sales with MSI, Merchant Services. This legal document explained the parameters of the new merchant account. Clear Image was approved for 90% swiped and 10% keyed with imprint transactions. According to our contractual rights we have the legal authority to hold and investigate transactions which violate these parameters. On 09/19/06 Clear Image ran four keyed transactions. My analyst Gaby contacted the business on 09/25/06 and spoke with Lena, an employee, about these sales. We requested copies of the signed imprints as per their contract's requirements. Lena explained that they did not obtain any imprints and only had invoices. Because the sale was keyed and not swiped, the ONLY way to prove full authorization is by obtaining the imprint. So from the start, this transaction was never fully authorized or protected. We received invoices from Clear Image on 09/26/06 with Mr. Murphy's information. Gaby contacted the cardholder's bank AT&T Universal to verify the name and address given. Mr. Murphy's name was not on the credit card, nor his address. Clear Image then gave us the parents of Mr. Murphy and claimed it was their card. We once again contacted AT&T Universal 800-423-4343 to verify this new information. We were again told the name and address did not match. Mr. Murphy's personal address was given a second time and was denied by AT&T. Gaby contacted Lena on 09/27/06 to let her know the information was wrong for a third time. Gaby told Lena to get an imprint of Mr. Murphy's credit card. Lena contacted Gaby later that day and said that Mr. Murphy would not provide an imprint and she felt he was lying. There is no reason a valid cardholder would be unable to get a manual imprint. Lena and Gaby discussed the next option, issuing a refund to avoid chargeback fees. On 09/28/06 Lena issued a refund for one of two the invalid transactions on "Mr. Murphy's" card. 10/05/06 Gaby and Lena spoke again about the second transaction not being refunded. Lena explained that her boss wouldn't allow her to run another refund because he communicated with Murphy. Gaby explained that if they did not refund the funds would be held to cover any chance of a chargeback. The transaction will remain on hold for maximum of 270 days from the transaction date, which is allowed contractually by MSI. I contacted AT&T Universal again today to verify the name and address of card but I was told the account is no longer active. The main point of this rebuttal is that Clear Image violated their merchant contract with MSI. They were not allowed to take keyed transactions without imprints and had no valid information for the credit card. This transaction has created a potential loss to the merchant and MSI. Georgia Stavrakis Risk Management MSI, Merchant Services Inc.