July 25 2018

Credit Card Chargeback Policy

CREDIT CARD CHARGEBACK POLICY

A “chargeback” occurs when a customer disputes a credit card charge.  A fraudulent chargeback occurs when a customer attempts to dispute a charge for merchandise that they have knowingly purchased and have returned for a refund.

Attempting to dispute a valid credit card charge is fraudulent and is illegal in most states.  PJGHangouts., does not tolerate chargeback fraud, and we follow the following procedure when this takes place:

1.  If you attempt to dispute or deny a valid charge, we will first contact you directly, because many disputed charges occur as a result of the customer not recognizing our charge on their statement, such as a situation where an employee used a corporate card to purchase our merchandise and an accounts payable manager doesn’t recognize the charge.  You will have ten (10) calendar days to reverse your dispute upon receipt of our email.

2.  We will immediately begin the process of fighting your chargeback, using all available information including a correct AVS (address verification service) and card security code match on your order, proof-of-delivery of our product to your address, copies of any and all emails you have sent us, proof-of-use of digital products, and a search of the web and your social media accounts for any mention that you have purchased our product(s) i.e. deleted messages in Discord. We experience over a 90% chargeback win rate using these methods. Be aware that your bank may charge you additional fees if you lose your dispute.

If your chargeback appears to be so-called “Friendly Fraud” – an attempt on your part to defraud us and abuse the chargeback process to obtain our product(s) for free, we may file a police report with your local law enforcement agencies, along with a report to the FBI’s IC3 Internet Crimes Unit, which announced in December, 2014 that they believe over 92% of all credit card chargebacks in the US to be so-called “friendly fraud” and that they are now prosecuting consumers who attempt such chargebacks.

3.  Your account will be turned over to a collection agency, which will initiate collection activities as well as report your account as delinquent to all of the major credit bureaus.  In addition to our U.S. collection agency, we also contract with collection agencies abroad.

4.  If you still do not resolve the situation by either reversing the dispute or reimbursing us for the amount disputed plus our bank fees, we reserve the right file a civil lawsuit against you in a court for the amount disputed, for bank fees related to the chargeback, for additional damages for the harm your chargeback causes to our merchant credit record, and for punitive damages as the courts do not take credit card fraud lightly.