Get your money back from a web scammer (or at least from your bank)

A scammer is a criminal who masquerades as a legitimate business.  Be careful; they’re not.

If you’re reading this, the scammer has already violated your trust.  They have your money and they aim to keep it.  Expect them to do everything this side of the law, and what they think they can get away with on the other side.

Prepare for battle

  • Act and follow up quickly.  Every day that passes lessens your chance of getting a refund.
  • Beware.  They may try to trick you into delaying until you can’t get your money back from your credit card issuer, or the refund period date in their Terms and Conditions expires. One trick is fake shipment tracking numbers.  Another trick is a fake, official-looking notice that you’ve been credited with a refund.
  • Keep a dated list of each action you take and each response from the scammer.  Keep copies of all correspondence, and take notes during each phonecall.  You may need this information as evidence at some point.
  • Brace yourself.  This isn’t going to be a quick or easy process.  And despite everything you try, you may never get your money back.  if not, chalk it up to education; you’re less likely to get conned out of your life savings.
This notice lies; the customer did not receive a refund.

This notice lies; the customer did not receive a refund.

Have a strategy

To get your money back and avoid future problems, I suggest you follow the strategy shown in this chart.  In the following paragraphs I’ll explain the strategy in more detail.

 

1: Read the scam site’s Terms and Conditions (T&Cs).  Nearly all scam sites have T&Cs tucked away in some corner.  I’ve seen some that go to great lengths to hide them.  But omitting them is rare; I think some federal law requires them.  

Find the Terms and Conditions.

Find the Terms and Conditions.

You may have to work a bit to understand them.  In other posts, I’ve summarized scammer T&Cs.  Don’t go by my summaries at this point; do your own homework. What to look for:

  • Guarantee terms
  • Cancellation terms
  • Refund terms
  • How to return products

If you see that you don’t qualify for a return or refund, don’t give up.  Scammer T&Cs are usually blatantly unfair.  That may give you leverage with the State Attorney General or Better Business Bureau.

Cancel your order

2: If you haven’t received the product, this is good; the bank that issued your credit card is more likely to agree to reverse the charge.  Now you have a choice to make:

  • Choice A (best strategy): Reverse the charge, then cancel the order.  Tell the scammer you’ve reversed the charge, so you don’t need a refund.  This method is the best choice for your interests.  But the bank may tell you to try to resolve your problem with the scammer first.  Here’s where your correspondence list and copies may be useful, as proof that you already made a good-faith effort to deal with the scammer.
  • Choice B: Cancel the order, then reverse the charge.  This method is risky.  One respondent told me that, upon receiving his cancellation request, the company shipped the product.  They told the bank that they’d shipped it a week before they actually had.  Then the bank refused to reverse the charge, reasoning that he’d received what he’d purchased.
  • Choice C: Cancel the order and hope that the scammer will refund your money.  This choice means you still trust the scammer; think about that before going on.

How to cancel the order: Notify the scammer that you are canceling your order.  If you can’t contact them quickly, don’t wait.  Send them a certified letter with return receipt, canceling the order.  This way, you’ll have proof of the date they received your cancellation request.  Refuse to accept any packages you receive from the company, and return them unopened.

slimed credit cardHow to reverse the charge: Call the bank’s Fraud Department.  Ask them to reverse the scammer’s charges and block your credit card (to stop the scammer from stealing even more).  (This will also block all other outstanding and future transactions on the credit card.). The bank may initiate a dispute procedure with the scammer.  There’s a good chance that the scammer will let go of the money without a fight, figuring that going after other suckers is a better use of their time.  

Some scammers include a term in their Terms Of Service that says they consider reversing the charge as theft.  Don’t be frightened by this term; remember that they’re the real thieves.  Besides, they aren’t going to bother suing you for the $100 or so that scammers typically steal.

Request a new credit card.  The scammer can’t steal from you if they don’t have your active credit card number.  You’ll have to move any scheduled or automatic payments that you’ve set up on your old card over to the new card yourself.  Yes, pain!  Removing a credit thief is worse than removing a tick.

Get a refund

3: If you received the product, you probably can’t cancel your order (tho you might gamble on it anyhow).  Don’t open the package or use the product; just return the unopened package.  This way, the scammer can shrug you off and sell it to somebody else.  Return it per the T&C instructions, or just return it.  Choose to hope the scammer gives your money back, or to try to reverse the charge on your credit card (see above).

Keep alert

4: If you didn’t block your credit card and get a new one, watch your credit card account for more unauthorized charges, particularly $8 to $20 charges by companies you don’t recognize, for services you don’t remember ordering.  Keep in mind that you’re dealing with criminals, not a legitimate business.  If you merely complain to their “Customer Support” but keep your credit card active, they may steal again.  They may also sell your credit card data on the black market for other thieves to use.


Get help

If none of this is working for you, reach out for help.  The Federal Trade Commission has published an advisory, “How to report online shopping fraud.

Warn others

erml-00158

  • Warn your friends.
  • Name-shame the company on forums and social media.  Another good outlet is PissedConsumer.com .
  • Blog about web scammers.  Link to other blogs about scamming, like this one.
  • Send me a message or reply.

Are you embarassed about your gullibility?  That’s just how the scammers want you to feel.  Be strong and stop others from falling into their trap.  Nobody is going to think less of you for saving them money and grief; there’s no credibility like experience.  

Sincerely: Good luck!

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4 thoughts on “Get your money back from a web scammer (or at least from your bank)

  1. Carole Skelton

    I did not order Falcon flashlights and have never received any. However, there are three recurring charges on my bank card. I have tried to contact them, number us not valid. A recording says they’re not taking anymore orders or servicing previous ones. How do I stop the recurring charges Thank you

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    1. pablovilas13 Post author

      Keep in mind that scammers are crooks pretending to be legit businesses. Working with their Customer Support would be futile and give them more time to steal from you. Instead, tell your card issuer to block your card; request a card with a different number; and shift any scheduled/automatic payments you want to keep to the new card. Yeah, this is a huge bother. Think of it as credit-sucker removal.

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  2. wyzgoik

    JE VOUDRAIS être remboursée de trois montants 2 x 34,99 et 43,6O je ne veux plus de vos boitiers car rnous changeons de téléviseur et de ce fait je n’aurai pas besoin de ces boitiers. Merci d’accéder à ma demande rapidement et de nous verser les sommes sur notre compte paypal

    “I WOULD LIKE to be refunded three amounts 2 x 34.99 and 43.6O I do not want any more of your cases because we change TV and therefore I will not need these boxes. Thank you for acceding to my request quickly and to pay us the sums on our paypal account”

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    1. pablovilas13 Post author

      Je ne suis pas la société TV Frog. Je suis un blogueur qui a écrit un article sur l’entreprise, qui s’appelle FreeSeeTV. Voir this poste pour l’adresse et le numéro de téléphone de l’entreprise. Je dois vous avertir que FreeSeeTV est une entreprise malhonnête qui ne remboursera probablement pas votre argent. Vous pourriez essayer de demander PayPal pour inverser la charge à la place.

      “I am not the TV Frog company. I am a blogger who wrote an article about the company, which is named FreeSeeTV. Please see this post for the company’s address and phone number. I must warn you that FreeSeeTV is a dishonest company that probably will not refund your money. You might try asking PayPal to reverse the charge instead.”

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