Chargebacks

Doesn't matter if it is a cc or a bank draft. You will lose every time. All they have to do is call their bank and tell them not to allow the payment. Fortunately, we have had only 3 or 4 of these in the past few years, but have lost every time even though we submitted the signed agreement. CC companies and banks will take the side of their customer because they don't want to lose their business. Our agreements are pretty much useless.

We've disputed every chargeback. We have membership agreements and even door logs showing that the person continued to use the club. The credit card companies will credit them back up to 4 months worth of dues, even though their door logs and video footage show them in the club and working out. All the person has to say is that they canceled the membership.

Here's another to make your blood boil on a couple different fronts. Had an employee credit back a former member $110. She credited back the wrong credit card. The credit card she credited back had been lost/stolen. You'd think that since you can't charge a lost/stolen credit card you can't credit it back either. Nope, they're perfectly happy to credit it back. Their solution? Call the former member and ask them for new billing information. Here's my solution. How about if I head down to the local courthouse and file a claim against you for this and all of the other bullshit you've charged me for over the years.

With the exception of cases like what firecracker said above, banks will never side with you. It's not their decision. They only present evidence from what you submit to the customer and it's up to the customer to either drop it in agreement or continue to pursue their money. The banks don't want to get involved with disputes, but only abuse by their customers. Your only step beyond that is small claims court I believe. Once I felt like not honoring their card anymore, but that only hurts me.

It's a mess just trying to figure out what's what. Is 5/3 the same as Vantiv? I know vantiv has accessmyiq.com and then where does Jonas come in? I have a chargeback which no one can seem to find, but which is being pulled from my bank account. Never received any sort of dispute notice or anything else. Makes no sense. If it was charged back I'd expect to see someone come up delinquent. Nerve racking. We have to be able to get a better company to run billing.

I'm still waiting for a couple of verdicts. If I win or lose, I'll let you know. With one of them, I made sure the bank knows that I am also their customer. If the chargeback is against me, I'll move my accounts. These chargebacks are a lot of work though because I've had to explain my position twice now and fax several pages each time.

Fortunately they don't happen often. My last one was a year ago and it was my fault but that was also annoying because the guy never called me first. I thought they were supposed to first try to ask the vendor for a reversal and this was the next step if it was denied. I would have reversed it immediately and I told him this.

Send them to collections. Make sure to add any delinquency, bookkeeping and accounting fees. Our fees typically add $200 to any outstanding balance. I've had members call and beg to just pay their original balance. Nope, sorry it was transferred over to corporate who just gave it to the collections company and it's out of my hands now. I gave you a chance.