Online merchant trying to refund customer from my bank account?
Posted by admin in Merchant Accounts
Wednesday, 2 June 2010 22:01
I signed up for a merchant using a fake name/address. Someone bought something from me, then decided that ‘the product doesn’t fit the description’. I have since cancelled the bank account used with the merchant. However, the merchant tried to do a chargeback, and failed because the account is closed. Can the merchant find out my info that is associated with my checking account? Or can they just use my fake name/address I used when i signed up?
it’s not fraud. i had to sign up with fake info because i already had one account in my real name. i closed the bank account a long time ago, and this chargeback was just brought up. can the merchant find a way to find my real info? all they have is my account number/routing number.
sounds like fraud to me
the agreement with your bank was that you’ll stand behind any all chargebacks, no matter how long they take.
the question is whether the bank can find you now. [I can't believe that any bank in this day and age did not require ID and all pertinent info when opening a business account.]
of course, the honest thing is to pay the bank.
what the cops and DA call it, if you don’t and anyone gets mad enough to file a complaint, is fraudulent intent, or just fraud.
Depending on your location, using a fake name/address may be enough for a conviction all by itself. btw, the cops can backtrace phone numbers and mail box rental addresses, too.
They will find you.