No good,,dirty,,rotten!!!!!!

Been purchasing online since Al Gore invented the internet and never had a problem.

Sucks bigtime!!. Had some parts and pieces sitting in the purchased bin for tomorrow's credit run at a couple honest places. The Super jake will have to wait a bit longer on the workbench.

Only one newer online shop I had ordered from on thursday was Maxxproducts. Ordered from there once before and didn't have a problem. The credit protection lady says the majority of scams are from ATM type swipes, where your card dissappears from sight for those few crucial seconds/minutes.

Buyer beware.

PV Pilot wrote:Visa debt was just scammed....


For all the young (or old) ones out there with a fresh credit card,,make sure you have some form of protecion from online fraud or scam.

Sucks is that you still have to jump thru the hoops a bit for issuance of a new card,,but as it goes,,that is the least of the problem.

Yes, it does indeed suck. But your problem was because of a DEBIT card that is ALSO a credit card. The problem is when the money comes instantly and directly out of your bank account. If there is fraudulent use, you loose.

With a CREDIT card, where you get a statement and you pay the charges every month, while it will be a hassle and you will have to get a new card, you WON'T loose money. The MERCHANT that processed your charge, or in rarer cases, the credit card company, are the ones that loose financially. UNLESS that merchant can prove you were the one that made that charge, you are not liable for the payment. There are basically two types of credit card transactions.

A swiped transaction, where you make a purchase and you card is physically present at the point of sale, the card is swiped through a machine or an imprint is taken and you sign agreeing to payment. Unless the signature doesn't match or the merchant fails to otherwise validate that you are indeed the card holder (i.e. asking for additional identification), then you are responsible for payment....

The other type of transaction is a card not present transaction, also known as a MOTO transaction - Mail Order/Telephone order.

Basically, in the case of real goods perchased, Unless the merchant can, in addition to having the card number, expiration date AND the CVV2 ( the 3 digit number off the back, or in the case of AMEX, the 4 digit number printed on the front), the merchant also has to prove that he delivered the goods to you.

That means the goods either have to be shipped to the billing address of the card, or an address that YOU have authorized as a shipping address with your card company, or by other verifiable means (i.e. a fax with your identification and signature authorizing the shipment - though this is technically somewhat a grey area from the merchant standpoint). Unless that is the case, the merchant is out $$$ if it is fraud, not you and NOT the card company.

In the case of a fraudulent charge, you dispute the charge with your card company and unless the merchant can document the charge as legitimate (like by proving the goods shipped to an authorized address) the card company does a charge back that reverses the charge against your account and takes the money back from the merchant, end of story. I am not familiar with the rules with things like Napster and the like, where there are non hard goods involved, but I am sure it is a similar situation.

I have processed millions of $ in MOTO transactions and had numerous fraud attempts - but never a successful one - because I was always on guard and knew the rules that guaranteed me payment, and followed them unless I was 100% sure I knew who I was dealing with.