Useful facts in fighting scams

Facts you can use to Help fight these "Google" scams.
Under the law these deceptive con artists do not have the legal right to pass your financial information on to their other cohorts since they did not detail that important piece of information about the transaction when you gave your financial information at the starting transaction. They are required to get “express permission” for “each” and every debit they or their cohorts intend to make on your finances, and just detailing this important information in their terms of service “after” the transaction does not give them that legal right. Omission of this detail is deception. Here is what FTC has to say about “Deception”
from Ftc policy statement on deception
“Commission cases reveal specific guidelines. Depending on the circumstances, accurate information in the text may not remedy a false headline because reasonable consumers may glance only at the headline.33 Written disclosures or fine print may be insufficient to correct a misleading representations.34 Other practices of the company may direct consumers’ attention away from the qualifying disclosures.35 Oral statements, label disclosures or point-of-sale material will not necessarily correct a deceptive representation or omission.36 Thus, when the first contact between a seller and a buyer occurs through a deceptive practice, the law may be violated even if the truth is subsequently made known to the purchaser.37 Pro forma statements or disclaimers may not cure otherwise deceptive messages or practices.38?

Here is what the credit card industry cautions businesses about.
COMMON MERCHANT MISTAKES FROM http://www.shift4.com/best_practices.htm
(1) Do not split a transaction up into smaller transactions. Doing this not only can get you in trouble with your Merchant Services Provider, but it can also open you up to a chargeback, as the customer may only claim one of the charges and not all of them. You lose money, lose product and get a chargeback filed against you.
(2) Always get an authorization for every credit card transaction you are going to settle. Not doing so will only create headaches and lost revenue for you.
(3) Make resolving customer issues a priority. If you won’t take the time to help a credit card customer that has a question or issue regarding a charge from your business, they will take the problem to their Issuing Bank. Excessive disputes can ruin your ability to continue processing credit cards.

You as a consumer have the right to do Charge-back on all the debits that you did not give express permission for. You also need to go to your bank and file fraud or transaction dispute on each one of the debits which you did not authorize. This forces your bank to start a law investigation into that company’s practices and if enough complaints of fraud do start coming in against that company then their privileges to use cc card transactions can be taken away as well as it hurts them when they get a charge-back. Charge-backs costs the con artists money and will eventually get them black balled with the credit card industry when a pattern of charge-backs starts becoming evident. Also, it raises a red flag about that business with law enforcement organizations

About CHARGEBACKS:
Chargebacks
While a cardholder has 60 days from the day it receives its statement, the Issuing Bank has 120 days or more after the transaction date to file a dispute with the Merchant. This is why you need to involve “both” the cc card org and your bank in each unauthorized debit with disputing the charge or debit. It makes no difference what the con artist says about how he has a legal right to debit your account –he will have to show proof that you signed something that acknowledges your understanding that that particular debit was going to be made. Oh, he would love to convince you not to go the charge back or file fraud dispute route and he does that in a lot of cases when the consumer tries to reason with him on the phone about the problem. The burden of proof that a business has proper legal right to debit your account is on the business. And a con artist will only understand something when it is snatched back away from him. If you read the con artist’s t/c on any of those scammy websites you will find that he says he will fight a charge back rigorously –he’s hoping to frighten you from per suing that method of getting your money back, especially, since it hits him in the pocketbook!
The credit card industry expressly cautions businesses that they “should” get an affirmative agreement to every debit to avoid Charge-backs.



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