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09-20-2007, 02:29 PM
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Where to report Credit Card Fraud
Hi -
I am wondering if there is any place in addition to the IC3 where I should report credit card fraud? I called my local police department and they told me about the IC3 site. Following is the report I posted - I am open to any other suggestions as well. I sell artwork and have never encountered this sort of situation before. Thanks for any input! REPORT: <<On April 15th of this year there was an order placed on my website for $188. (This order consisted of four double-matted, limited edition art prints.) I use PayPal Pro for merchant processing of customer credit cards at this site. I shipped the order via USPS with Delivery Confirmation on April 17, 2007. I also called the phone number on the order to confirm the order with the customer. (April 16, 2007 at 8:35 am est.) The package was marked "delivered" on the USPS website: April 19, 2007 at 11:49 am. On May 29 I received a dispute notice from PayPal requesting a "chargeback" on this order. I immediately supplied PayPal with all of the pertinent information, including the Delivery Confirmation receipt and information that I had phone records to backup calling the customer. Several weeks went by, and I was then notified by PayPal on June 15 that the matter was closed - no funds were removed from my account and no further action was required. On September 18 (months later) I received a notice from PayPal of a "chargeback reversal" in the amount of $188 plus a $10 fee. I spent a good part of the morning of September 19 on the phone with PayPal. Their response was that they could/would do nothing more. I am now out the artwork, the original money and added fee.>> 
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09-23-2007, 09:37 PM
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To cygnetswan:
You can report Credit Card Fraud to the FTC if the amount is $2,000 and up. You might want to see if your state's Attorney General's Office is interested, too. The Federal Trade Commission's website at Federal Trade Commission - Home is the agency interested in pyramid schemes, money-making chain letters, credit card scams, credit repair scams, weight-loss plans, fraudulent business opportunities, etc. They have a Consumer Complaint link on their home-page. Or, forward spam to spam@uce.gov. They say their database generates cases against people who use spam to spread false or misleading information about their products or services. After you have finished reporting the incident, you might want to visit Ripoff Report: By Consumers, For Consumers to file a complaint so others can be put on notice about Paypal Pro and how they didn't handle the scam incident well. __________________________________________________ ____________________________________ Update 10/2/07: Found the following information in Reporting Credit Card Fraud, a Thread posted in the Credit Card Fraud section: If you are a merchant and you suspect orders have been placed for your products/services using stolen credit card information you will need to contact VISA/MC/AMEX/DISCOVER to obtain the issuing bank's phone number then call the bank to report that you suspect that their customer's credit card information has been stolen. Last edited by S. Tomas : 10-02-2007 at 07:37 PM. Reason: Update
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03-12-2008, 04:49 PM
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kinda late to answer but this may help someone
You did not indicate the nature of Paypals response-i.e. was it charged back because of a stolen credit card that was used. Was it a dispute by the cardholder. This may be late, but if you have a physical address that this was delivered to and the nature of the complaint was a stolen credit card that physical address is a great lead for investigation, whomever is at that physical address, or was dumb enough to let someone use their physical address, knows who used the presumably stolen credit card.
If the chargeback was because of a complaint by the cardholder to the cardhoders credit card company, about quality of merchandise, or delivery, you get to put in your side of the story. You did not say what the nature of the complaint was. The question lacks specific details. Paypal has a procedure for disputes, and you never mention what the nature of the complaint was unless I missed something here. When a Cr. crd co. disallows a charge, the merchant gets to put their two cents in too. One other thing you have the phone number of the order person and said you spoke to them, have you not tried calling that phone num, and finding out if someone disputed. It seems you may have just lied down and took it on the chin, you have to fight back here, that phone number is also a good source of getting to the bottome of this "chargeback" Last edited by helpuout : 03-12-2008 at 04:57 PM. Reason: addition
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