[thechosenone]

The size of the bank does not influence their ability to identify suspicious accounts. A chargeback should only be considered if all other options have been exhausted; never view this approach as the primary measure of your SE's success. Depending on your country of residence, closing a bank account could significantly impact your financial history, especially if you're considering taking out a mortgage or other financial services in the future.

Some advice:
- Don't dedicate a bank account to SEs, they can easily be identified by customer service agents, so use them regularly to hide expenses.
- Use chargeback only as a last resort: it's better to give up the item and send it back than to start a bank dispute.
- If you can't get the item refunded, only make chargebacks for large amounts ($750 extra, for example), it's better to assume the costs associated with small SE
- And last but not least, a chargeback is synonymous with failure, it means that your SE didn't work, you should rather review your techniques, you should never do more than 2-3 chargebacks per year. This can have a considerable impact, especially if a complaint is lodged with the police.

how would i go about doing a chargeback? my friend claims he just orders like expensive pc's and then claim his card got stolen so he didnt make the purchase. Or do you just call your bank and do the same thing as you would with the original company like DNA, Eb, ftid ... Sorry ive only ever done chargebacks with PayPal but know that much about doing it with my regular bank.

[Exodeen]

The size of the bank does not influence their ability to identify suspicious accounts. A chargeback should only be considered if all other options have been exhausted; never view this approach as the primary measure of your SE's success. Depending on your country of residence, closing a bank account could significantly impact your financial history, especially if you're considering taking out a mortgage or other financial services in the future.

Some advice:
- Don't dedicate a bank account to SEs, they can easily be identified by customer service agents, so use them regularly to hide expenses.
- Use chargeback only as a last resort: it's better to give up the item and send it back than to start a bank dispute.
- If you can't get the item refunded, only make chargebacks for large amounts ($750 extra, for example), it's better to assume the costs associated with small SE
- And last but not least, a chargeback is synonymous with failure, it means that your SE didn't work, you should rather review your techniques, you should never do more than 2-3 chargebacks per year. This can have a considerable impact, especially if a complaint is lodged with the police.

I couldn't disagree more. Most of what you said is wrong and arrogant and woefully ignorant.
How is a successful chargeback a failure? It's the exact same amount of money as if you successfully refunded the item.
A SCAM IS A SCAM!  The money is the same!
Only you seem to think your an expert SE Refunder when really your a one trick pony criminal.  It's being well rounded and knowledgeable about multiple scams that is much more useful.
And refunding is way more apt to get you in trouble with the law than chargebacks. Many people have gone to jail over refunding no one has for chargebacks.

The size of the bank absolutely matters.
I've done over 150 charge backs on the same credit card in the last 2 1/2 years from the biggest bank in the US and it is still active.
Doing one chargeback of $750 to the bank is the same exact thing as doing 10 chargebacks for $75. Both equal $750

There are 3 outcomes with chargebacks.
1)You win and you and the bank lose no money the merchant does.
2)The bank pays for your chargeback and they lose the money
3)You lose the chargeback and you lose the money.

If you are winning most of them with by the first way the bank doesn't care they get their money.
They don't call chargebacks Friendly Fraud for nothing.

---

I would look up biggest banks in Europe and try those. Or Google best banks for chargebacks. 
I have kind of shitty credit from ripping off Verizon and T-Mobile with fake phone trade in credit to get the best phones for the price of sales tax every year.  Otherwise I would love to get a Chase or Amex card.

If you want to learn more about chargebacks and how to win over 90% of them like I do there are several great sites.  Chargebacks911 is a pretty good one that has a lot of resources.

I'm big into to chargebacks as a fall back if the refund doesn't work. I want(have) to win every order anyway I can with the retailer.

Damn and i was nervous about having a dozen or so chargebacks over 10 years, is the bank closing your account the only real world repercussion to filing so many chargebacks?

Yes because you can file a chargeback for multiple reasons like being dissatisfied with the product purchased.

That's totally subjective and can't be prosecuted in a court. 

Do a google search and try to find one person who went to prison for chargebacks. Then search for people refunding who did. There's a lot especially when they do it to Amazon too much.

you may disagree, but that doesn't mean I'm wrong, I'll take up each of your points to answer them.

A chargeback is not SE. You contact your bank to report that the item received does not match the description or that you didn't receive it at all. While the procedure is relatively straightforward, it can adversely affect your profile. Banks assess the risk associated with each client, much like they do with credit scores. When you carry out a SE with a company, the bank is not involved in the process. Moreover, it can be done under a fictitious identity or with a prepaid VISA card, leaving no trace.

Regarding refunds and those who ended up in jail, that's a misconception. Those who were imprisoned did so for extreme actions. It's far riskier to go through the bank. Which do you think is more severe: processing 10 refunds or initiating 10 chargebacks with a company? It's evident that chargeback requests leave a lasting stain on your record, and it's there for life.

When you mention that a chargeback can have three outcomes and that the bank directly refunds you, that's a misunderstanding. In fact, your bank initiates a dispute with the seller's bank. The seller is then required to address the dispute by providing evidence. If the seller fails to substantiate their case, the seller's bank returns the money to your bank, which then refunds you.

In this procedure, unlike a direct refund with a seller, two additional entities are involved: your bank and the seller's bank. Both of these entities collect and store data about you.

When you mention having done 150 chargebacks, I'm taken aback. Because the day an analyst truly reviews your case, you could face significant trouble. It's also possible that investigations are conducted behind the scenes, unbeknownst to you, in collaboration with law enforcement and other internal departments to gather evidence.

And I speak from experience, having worked in the financial world for many years.

I'll say this one last time: don't assume that chargebacks come without consequences. I've witnessed individuals being banned from the entire Visa/Mastercard network due to abusive practices.

[KingDead]

No more free methods from me find someone else to call a liar.
I don't need any help I know how to refund and am not afraid .

[Exodeen]

I couldn't disagree more. Most of what you said is wrong and arrogant and woefully ignorant.
How is a successful chargeback a failure? It's the exact same amount of money as if you successfully refunded the item.
A SCAM IS A SCAM!  The money is the same!
Only you seem to think your an expert SE Refunder when really your a one trick pony criminal.  It's being well rounded and knowledgeable about multiple scams that is much more useful.
And refunding is way more apt to get you in trouble with the law than chargebacks. Many people have gone to jail over refunding no one has for chargebacks.

The size of the bank absolutely matters.
I've done over 150 charge backs on the same credit card in the last 2 1/2 years from the biggest bank in the US and it is still active.
Doing one chargeback of $750 to the bank is the same exact thing as doing 10 chargebacks for $75. Both equal $750

There are 3 outcomes with chargebacks.
1)You win and you and the bank lose no money the merchant does.
2)The bank pays for your chargeback and they lose the money
3)You lose the chargeback and you lose the money.

If you are winning most of them with by the first way the bank doesn't care they get their money.
They don't call chargebacks Friendly Fraud for nothing.

---

Yes because you can file a chargeback for multiple reasons like being dissatisfied with the product purchased.

That's totally subjective and can't be prosecuted in a court. 

Do a google search and try to find one person who went to prison for chargebacks. Then search for people refunding who did. There's a lot especially when they do it to Amazon too much.

you may disagree, but that doesn't mean I'm wrong, I'll take up each of your points to answer them.

A chargeback is not SE. You contact your bank to report that the item received does not match the description or that you didn't receive it at all. While the procedure is relatively straightforward, it can adversely affect your profile. Banks assess the risk associated with each client, much like they do with credit scores. When you carry out a SE with a company, the bank is not involved in the process. Moreover, it can be done under a fictitious identity or with a prepaid VISA card, leaving no trace.

Regarding refunds and those who ended up in jail, that's a misconception. Those who were imprisoned did so for extreme actions. It's far riskier to go through the bank. Which do you think is more severe: processing 10 refunds or initiating 10 chargebacks with a company? It's evident that chargeback requests leave a lasting stain on your record, and it's there for life.

When you mention that a chargeback can have three outcomes and that the bank directly refunds you, that's a misunderstanding. In fact, your bank initiates a dispute with the seller's bank. The seller is then required to address the dispute by providing evidence. If the seller fails to substantiate their case, the seller's bank returns the money to your bank, which then refunds you.

In this procedure, unlike a direct refund with a seller, two additional entities are involved: your bank and the seller's bank. Both of these entities collect and store data about you.

When you mention having done 150 chargebacks, I'm taken aback. Because the day an analyst truly reviews your case, you could face significant trouble. It's also possible that investigations are conducted behind the scenes, unbeknownst to you, in collaboration with law enforcement and other internal departments to gather evidence.

And I speak from experience, having worked in the financial world for many years.

I'll say this one last time: don't assume that chargebacks come without consequences. I've witnessed individuals being banned from the entire Visa/Mastercard network due to abusive practices.

More nonsense  pulled from your ass. I'm not even going to bother responding to someone that thinks a chargeback is a failure and only SE successes are valid. Do you look down on Ransomware groups pulling in millions because of its not a refund SE?

And your so wrong about how a chargeback works. Your bank takes the funds from the merchants and initiatress an investigation. An arbitrator from Visa or Mastercard handles it. I have dozens of chargeback letters saying cased close the credit we gave you is final. This is sometimes only 2 weeks after the charge back and my bank closed it and paid me before the time limit for the merchant was up.

Chargebacks are not illegals you can file one for just being dissatisfied with the goods. 

Not only that its a good way to get a small company to refund you because your bank charges the merchant around a $30-40 fee when file a dispute.

For someone who has supposedly worked in the financial field for many years you know surprisingly little about how banks or the worlds works. 

Have you read Mastercard's 397 page Transaction Processing Rules pdf like I have?

No of course not because your whole façade is that you are a master SE refunder that has never lost a refund and had to file a chargeback. Because if you did know you wouldn't be so scared and against them

@mothered has probably over a decade more experience than you but had none of the arrogance and ignorance that wafts from your very pores. Your "facts" are so obviously your opinion that it makes me so sick that I'm either blocking you or will be leaving this site that's how much you turn my stomach.

I don't need this site for help with refunds I've been scamming my whole life and do it my way. I come here to help people out but you have soured me on this website.

With @mothered gone now and his non arogenate helpful personality  and you  here acting like the Teflon Don when your really a narcissistic failed financial day trader who now has to pretend he is the top dog you have single handily ruined this site for me and set me into a rage of hatred.

The people who have been DM'iing me I'll still answer those and anyone else cans DM me but I'm stepping away again and doing my own thing. 

Take advice from people but always commit any scam by yourself and your own way. Don't let this asshole who I also think questioned and didn't believe me about all my empty envelope refunds that still work amazingly well. Because he can't handle the fact that he didn't know about it and that he didnt try it or tried it and failed.  Using all my methods my success rate on getting a refund or a double or even triple dip is around 95%. 

I'd rather lose a refund Se and win a chargeback then lose a SE and just take the loss like a bitch because I'm scared of banks.  Refunding and Chargebacks are kid shit to me compared to the other much bigger shit I've done and am still a free man and never lose sleep or stress about it.

I don't have the bandwidth to respond to your entire message, partly because you haven't addressed the points I raised, while I am making an effort to respond to your arguments by quoting and correcting you.

I find myself compelled to reiterate one last time: initiating a chargeback with your bank leaves indelible marks on your banking record. It is a procedure to avoid, as it can harm your reputation with your current bank and other associated banking institutions. It can even prejudice you if you plan to apply at your bank or one of its branches, by being denied access.

Regarding your statement: "Your bank takes the funds from the merchants and initiates an investigation. An arbitrator from Visa or Mastercard handles it. I have dozens of chargeback letters saying case closed the credit we gave you is final. This is sometimes only 2 weeks after the charge back and my bank closed it and paid me before the time limit for the merchant was up."

This is completely incorrect.

A bank cannot retrieve funds from a merchant's account without the consent of the merchant's bank; it would create total chaos. Generally, the bank grants a temporary credit (at its own expense), which can become permanent in case of winning the dispute, as it then gets reimbursed by the merchant's bank.

I encourage you to look at the images I shared below, showing the interface a merchant sees when faced with a chargeback. At this point, the money has not yet been debited, but a temporary credit has been granted to the customer. Through this interface, it is possible to cross-reference a large amount of data (IP address, credit card details, etc.) to determine the number of chargebacks the individual, as well as their family, have initiated with the company.

When I was handling chargeback cases and detected abusive use, my response was to contact all the involved banks to report a suspicion of fraud to the anti-fraud service, and to file a complaint with the police to gather evidence.

If you wish, you can continue to carry out chargebacks.

https://i.imgur.com/tJ6uhGJ.png (Chargeback interface (which may differ depending on the software)
https://i.imgur.com/jht5hTv.png (DNA" system for automatic cross-checking, in 1 click, we have your whole life on the site)


EDIT :

Code:

Not only that its a good way to get a small company to refund you because your bank charges the merchant around a $30-40 fee when file a dispute.

wtf, a bank can't charge a merchant whatever it wants
these fees have never existed lol

[HeadxHunter]

I couldn't disagree more. Most of what you said is wrong and arrogant and woefully ignorant.
How is a successful chargeback a failure? It's the exact same amount of money as if you successfully refunded the item.
A SCAM IS A SCAM!  The money is the same!
Only you seem to think your an expert SE Refunder when really your a one trick pony criminal.  It's being well rounded and knowledgeable about multiple scams that is much more useful.
And refunding is way more apt to get you in trouble with the law than chargebacks. Many people have gone to jail over refunding no one has for chargebacks.

The size of the bank absolutely matters.
I've done over 150 charge backs on the same credit card in the last 2 1/2 years from the biggest bank in the US and it is still active.
Doing one chargeback of $750 to the bank is the same exact thing as doing 10 chargebacks for $75. Both equal $750

There are 3 outcomes with chargebacks.
1)You win and you and the bank lose no money the merchant does.
2)The bank pays for your chargeback and they lose the money
3)You lose the chargeback and you lose the money.

If you are winning most of them with by the first way the bank doesn't care they get their money.
They don't call chargebacks Friendly Fraud for nothing.

---

Yes because you can file a chargeback for multiple reasons like being dissatisfied with the product purchased.

That's totally subjective and can't be prosecuted in a court. 

Do a google search and try to find one person who went to prison for chargebacks. Then search for people refunding who did. There's a lot especially when they do it to Amazon too much.

you may disagree, but that doesn't mean I'm wrong, I'll take up each of your points to answer them.

A chargeback is not SE. You contact your bank to report that the item received does not match the description or that you didn't receive it at all. While the procedure is relatively straightforward, it can adversely affect your profile. Banks assess the risk associated with each client, much like they do with credit scores. When you carry out a SE with a company, the bank is not involved in the process. Moreover, it can be done under a fictitious identity or with a prepaid VISA card, leaving no trace.

Regarding refunds and those who ended up in jail, that's a misconception. Those who were imprisoned did so for extreme actions. It's far riskier to go through the bank. Which do you think is more severe: processing 10 refunds or initiating 10 chargebacks with a company? It's evident that chargeback requests leave a lasting stain on your record, and it's there for life.

When you mention that a chargeback can have three outcomes and that the bank directly refunds you, that's a misunderstanding. In fact, your bank initiates a dispute with the seller's bank. The seller is then required to address the dispute by providing evidence. If the seller fails to substantiate their case, the seller's bank returns the money to your bank, which then refunds you.

In this procedure, unlike a direct refund with a seller, two additional entities are involved: your bank and the seller's bank. Both of these entities collect and store data about you.

When you mention having done 150 chargebacks, I'm taken aback. Because the day an analyst truly reviews your case, you could face significant trouble. It's also possible that investigations are conducted behind the scenes, unbeknownst to you, in collaboration with law enforcement and other internal departments to gather evidence.

And I speak from experience, having worked in the financial world for many years.

I'll say this one last time: don't assume that chargebacks come without consequences. I've witnessed individuals being banned from the entire Visa/Mastercard network due to abusive practices.

More nonsense  pulled from your ass. I'm not even going to bother responding to someone that thinks a chargeback is a failure and only SE successes are valid. Do you look down on Ransomware groups pulling in millions because of its not a refund SE?

And your so wrong about how a chargeback works. Your bank takes the funds from the merchants and initiatress an investigation. An arbitrator from Visa or Mastercard handles it. I have dozens of chargeback letters saying cased close the credit we gave you is final. This is sometimes only 2 weeks after the charge back and my bank closed it and paid me before the time limit for the merchant was up.

Chargebacks are not illegals you can file one for just being dissatisfied with the goods. 

Not only that its a good way to get a small company to refund you because your bank charges the merchant around a $30-40 fee when file a dispute.

For someone who has supposedly worked in the financial field for many years you know surprisingly little about how banks or the worlds works. 

Have you read Mastercard's 397 page Transaction Processing Rules pdf like I have?

No of course not because your whole façade is that you are a master SE refunder that has never lost a refund and had to file a chargeback. Because if you did know you wouldn't be so scared and against them

@mothered has probably over a decade more experience than you but had none of the arrogance and ignorance that wafts from your very pores. Your "facts" are so obviously your opinion that it makes me so sick that I'm either blocking you or will be leaving this site that's how much you turn my stomach.

I don't need this site for help with refunds I've been scamming my whole life and do it my way. I come here to help people out but you have soured me on this website.

With @mothered gone now and his non arogenate helpful personality  and you  here acting like the Teflon Don when your really a narcissistic failed financial day trader who now has to pretend he is the top dog you have single handily ruined this site for me and set me into a rage of hatred.

The people who have been DM'iing me I'll still answer those and anyone else cans DM me but I'm stepping away again and doing my own thing. 

Take advice from people but always commit any scam by yourself and your own way. Don't let this asshole who I also think questioned and didn't believe me about all my empty envelope refunds that still work amazingly well. Because he can't handle the fact that he didn't know about it and that he didnt try it or tried it and failed.  Using all my methods my success rate on getting a refund or a double or even triple dip is around 95%. 

I'd rather lose a refund Se and win a chargeback then lose a SE and just take the loss like a bitch because I'm scared of banks.  Refunding and Chargebacks are kid shit to me compared to the other much bigger shit I've done and am still a free man and never lose sleep or stress about it.

Thank you King.

[Ashitbag]

Great thread. Thanks for the contributions. Interesting reading. I have never done a chargeback. Are some companies more sure fire targets than others, or does that not matter? And what are some of the best reasons for chargebacks, do you just elaborate on the DNA, EB, MEB that failed? Or do some strategies work better specifically with chargebacks?