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| Porn Users Forum » New credit card scam? |
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| 05-11-14 12:48pm - 3878 days | Original Post - #1 | |
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jook (0)
Active User  Posts: 325 Registered: Dec 22, '13 Location: jersey city |
New credit card scam? For the 3rd time, my credit card of choice has been declined by one of those evil websites --- first, it was Mofos, second -- I forgot, and just now, 18xgirls. They were all by well known processors, i.e., Epoch, Segpay and I forget the other one. I never had a problem with my credit card up until now and still don't have a problem in the REAL world. After being declined, I was immediately taken to a second site with a less known processor, at least lesser known to me, i.e., pay-dbmem, I forget (my favorite) and Zombaio. The first time it happened, I gave my credit info again to the second site, pay-dbmem. As it turned out, I was charged twice, both by Epoch and db-mem. I tried to cancel with db-mem and, after spending 15 minutes trying to do so with no success, canceled easily with Epoch. [When I called them, they said they had no record of a charge and denied it was the same company even though I called the number on their website.] Same scenario on the the second site. The kick is, I was charged the recurring charge by this secondary processor in both cases because I could not cancel. After all, you can't cancel an account that doesn't exist, which is basically what I was told. When I was confronted with the same scenario on the 3rd site, I decided to use my brain and opt out and not join. I might have to quit porn forever if this keeps going on. I need to call my bank tomorrow to dispute, but I really don't wanna go through this hassle. Has anyone else experienced anything like this? | |
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| 05-11-14 02:03pm - 3878 days | #2 | |
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RagingBuddhist (0)
Disabled User  Posts: 893 Registered: Jan 23, '07 |
I'm pretty sure everyone's gone through this crap at least once. Yeah - it's a pain to have to dispute a charge, and yeah, you're probably thinking that they'll know it's a porn related charge and you don't want to deal with that either. But it's your money and your business if you join porn sites. Bite the bullet, go ahead and dispute the charge - and, no matter how much you want to join a site, stick to sites that use reputable agents from now on! If there's anything that doesn't look right or makes you hesitate when trying to sign up to a site, that should be enough to make you stop in your tracks. I posted a comment about Dancing Bear last week. I want to join, but with no encryption, that's their loss. Using a disposable address, I email sites like that to ask if they can't get on board with a reputable agent. Delete the disposable address after you get a response (or don't) and they can't spam you. Sarcasm is a body's natural defense against stupidity. | |
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| 05-11-14 02:29pm - 3878 days | #3 | |
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Wittyguy (0)
Active User  Posts: 1,138 Registered: Feb 04, '08 Location: Left Coast, USA |
I've run into situations where I've had my plastic denied when I know there is no good reason for doing so. When I've been redirected to a secondary processing site I never sign up. I wait a day and see if any charges go through on my card. If no charges, I try the primary processor again. If denied again, I wait another day (see if charge shows up) and if I'm good then I'll use the secondary processor. So far no burn marks on my skin from using this protocol. It's just that it requires patience which, if we're ready to join, is something that's hard to take. | |
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| 05-11-14 02:46pm - 3878 days | #4 | |
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LPee23 (0)
Active User  Posts: 399 Registered: Jul 14, '13 Location: USA |
Yes, recently I had similar trouble, but I was able to sort things out in my case, and there was no scam involved. I had my credit card number stolen a few weeks ago, so the bank had to issue me a new one. Every time I purchased a membership with the new card, whether through CCBill or other payment processors, it would not go through and my account would get frozen until I called their fraud detection department to give it the OK. I would also have to be on the phone with the bank while I resubmitted the transactions that I wanted. It's an awkward phone conversation, but they were very pleasant and professional about it. One site was set up to automatically try an alternate payment processor if CCBill failed, and I think that is what you were encountering too. With each of the transactions, I was told the merchant code associated with it was automatically blocked for being "high risk" and associated with fraud. "High risk" is the banking euphemism for porn, payday lending, gambling, firearms, etc. As for associated with fraud, it's true that porn sites get a lot of charge backs, and the banks use charge backs as a metric of fraud, but most of the time it's not the porn sites that are responsible. There are unfortunately customers who try to scam sites by getting a membership, downloading like mad for a day or two, then getting their money back through a charge back. Also husbands who get caught by the wife, teens who used their parents' card, etc. Anyway, I knew the owner very well at the site in question, so without batting an eye at the mention of fraud, I said to put the charge through. Unfortunately, this site used Paylets, and they always seem to take a couple of hours to go though, so I couldn't stay on the phone to okay the charge. They said they could flag my account to expect "unusual activity" and it might go through later. It did finally go through, and now I don't get my account frozen with each additional membership either. I'm pretty sure my old card with my original account number was flagged for "unusual activity" for years too, because I used to get a call from the bank each time I purchased a membership, but then when the calls got a bit repetitive, they totally stopped and I had no more issues. That being said, I did not actually get billed for the memberships that didn't go through, nor did I have to contact the payment processors themselves. So you might be dealing with some additional problems too. Good luck! Better to be pissed on, than to be pissed off. | |
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| 05-11-14 04:52pm - 3878 days | #5 | |
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jook (0)
Active User Posts: 325 Registered: Dec 22, '13 Location: jersey city |
Some good advice here, thanks. As it turned out, the last site I tried today and didn't follow through when my card was supposedly declined, ended up authorizing my card. Granted, it was only $1 (for the trial period), but why in the world would they say it was declined when it wasn't? I was directed to call my bank later on and they did verify that it was authorized. Here we're talking about what I thought was a reputable processor, Seguepay (sp?). Just for the heck of it, I tried to log on - I had on log on info (normally one gets emailed that info) so I just clicked the lost password button. It came back with no record for my email address. At this point the only one I trust is Epoch. I also suppose that they're banking that I won't bother to dispute $1 when it becomes a charge. Wrong. I know that every chargeback effects a merchant adversely and causes a higher discount rate. | |
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