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<title>Switched - Comments for </title>
<link>http://www.switched.com/2008/07/16/top-10-e-mail-scams-2/</link>
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<generator>Blogsmith http://www.blogsmith.com/</generator><item><title><![CDATA[Comments on ]]></title><link>http://www.switched.com/2008/07/16/top-10-e-mail-scams-2/</link><guid isPermaLink="true">http://www.switched.com/2008/07/16/top-10-e-mail-scams-2/</guid><description><![CDATA[test]]></description><dc:creator><![CDATA[tom]]></dc:creator><pubDate>Jul 16th 2008 1:29PM</pubDate></item><item><title><![CDATA[Comments on ]]></title><link>http://www.switched.com/2008/07/16/top-10-e-mail-scams-2/</link><guid isPermaLink="true">http://www.switched.com/2008/07/16/top-10-e-mail-scams-2/</guid><description><![CDATA[I am a merchant that sells legitimately sells using (among other ways), the Internet.  I take credit cards as a form of payment.  I have been scammed in a reverse way.  A customer will charge a purchase, and then dispute the legitimate charge.  The Credit Card Company will immediately take the money back from me and ask me for documentation proof of the charge.  The customer will get a credit while this process it going on and I have had the funds removed from my account.  After about a month, the dispute is determined to be unfounded and I get the money back.  Meanwhile, the customer has had use of the money for a month.  During which time they have disputed other charges at other merchants.  When all eventually caches up with them after 6-10 cards, for 3-4 months, and 15-20 charges each; the merchants and the banks find that the customer has pulled the money out of the account and closed it.  There is no money to reissue to the merchant, so the bank eats the loss, which is refunded by the banks insurance company or government program.  Once the government program has paid, no one is left to follow-up.  The merchant and the bank drop any action because they have their money, they move on to other disputes, and the government program is overwhelmed with relatively small losses that it cannot keep up with. ]]></description><dc:creator><![CDATA[Steve]]></dc:creator><pubDate>Jul 16th 2008 10:32AM</pubDate></item><item><title><![CDATA[Comments on ]]></title><link>http://www.switched.com/2008/07/16/top-10-e-mail-scams-2/</link><guid isPermaLink="true">http://www.switched.com/2008/07/16/top-10-e-mail-scams-2/</guid><description><![CDATA[Since when do the banks have insurance companies to cover those kinds of losses???  Are you nuts....    <br><br>And the government certainly isn't paying for those kinds of losses.<br><br>Get your facts straight before pontificating on here.]]></description><dc:creator><![CDATA[Jason]]></dc:creator><pubDate>Jul 16th 2008 9:04PM</pubDate></item></channel></rss>
