What the hell do I do?

I originally was given the money back as credit, and now 2 months later I am recharged for this bull.....

I just checked my credit card statement and I see this

04/07 REVERSE http://WWW.STORMPAY.COM CLARKSVIL $580.92

I have Citicards Mastercard

Tips/Help please... Do I call up my credit card company again? What do I say?

Also, Stormpay closed down my account due to my original chargeback so I cant get to all my history and proof, They probably got rid of it all anyway...

I'm trying to fight this as well. I thought everything was hunkydory, but Stormpay fought my chargeback and I rejected it again. I'd be interested to read responses to this thread.

did you read that post?

Helper1's Response To Stormpay's Contestment

http://www.moneymakergroup.com/index.php?showtopic=68071

Click Helper1 signature, there is a ton of doc regarding the dispute.
**CLICK HERE FOR STORMPAY DISPUTE FORMS. SIGN-UP, & GO TO THE "FILES" SECTION TO DOWNLOAD THEM.**


or

NEW- What to do when SP responds to your chargeback!

http://www.talkgold.com/forum/r87155-.html

because your fund is not permanent.... but maybe you can fight back again using more supporting documents given by Helper1 if u wanted to.

Who here has good documents?

I need the best proof I can find, can someone help me please?

I got had same problem, faxed in letter of dispute. CC company credited myaccount second time. Also received letter from them say to keep documentation up to 12 months in case Stormpay disputes again. We will see.

Can you private message me what you wrote them?
Exactly what you said and what points you used, you can block out any important info, thanks..

stormpay is no longer a payment processor.

does this mean I am screwed with disputing their charges or do I have a better chance now?

Just call your CC-company and tell them that you have never approved that transaction. The amount will be credited to you and SP can go *uck themself!

Oh thanx Machenka, that's really brilliant!!

You guys are really giving pathetic explanations of what's happening with your accounts.

Especially those who've won on their second attempt, are still giving short ONE LINE sentences of what happened.

"On my second dispute the CC co found in my favor".

BIG DEAL!

How in the name of Sam Hill do you expect to help others when this one line of nonsense is all you post.

geeezis

lol

I am disputing the merchant Stormpay’s claims for the following reasons:


1. Stormpay has disputed my chargeback from my credit card company stating that the balance of funds is still in my Stormpay account. However, Stormpay has suspended my account and denies me access to these funds.
2. Stormpay is operating as a money transmitter without proper licensing in the state of xxxxxxx.
3. It is clearly shown on Stormpay’s own logs that they have initiated numerous chargebacks to my account since March XX. These chargebacks were done without my knowledge since my account has been suspended since xxxxxx XX, 2006.
4. According to Stormpay’s response, I have received the following payments:
xx-xx-06, $XXX.00 Transaction # XXXXXXX
xx-xx-06, $XXX.00 Transaction # XXXXXXX

And funds were used to purchase additional memberships from Charis F Johnson or other products. However, my purchase of $XXXX of additional memberships was charge backed by Stormpay (see transaction # XXXXXXX)

In addition, transaction #XXXXX was also charge backed by Stormpay; therefore I did not receive those funds which Stormpay said I received as payment to me from Charis F. Johnson.

It is clearly shown by Stormpay’s OWN history of my account log that every single transaction that was made by me was nullified by chargebacks done by Stormpay. Since these transactions were nullified by Stormpay and were never completed, I should not be charge 3% processing fee per transaction and I am entitled to the amount of $XXXX and $XXXX that was used to fund my Stormpay account. STORMPAY HAS NOT FULFILLED ITS SERVICES TO ME AS A PAYMENT PROCESSOR AND I WILL CONTINUE TO DISPUTE THIS CLAIM AND PROCEED WITH ARBITRATION IF NECESSARY.

Thank you for reviewing this claim on my behalf.



That's the letter I sent to CC company along with printout that Stormpay sent to my CC comp. Nothing more nothing less. Good luck to you.

does/did stormpay have proper licensing to act as a money transmitter in New York State?

Please join Ace's yahoo group for more details on SP's cc disputes, he posted a lot of info there...

BTW, I see that SP reversed our disputes through different approaches, but the strongest point fos us is that they reversed the money back to our SP account in March, where most of us filed our disputes in Feb, you can use the point that you tried to contact SP but NEVER RECEIVE A WORD from them, then after you field disputes, they started to chargebacks the money AFTER THEY SUSPENDED YOUR ACCOUNT

I got 4 out of 8 of my disputes reversed so far, I will file again once I received all later, of course, this time with much solid supporting docs and reasons

You call what we say non sense, sorry sir you haven't a clue then, These scum bags took my hard earned money i got from other sites and then have the nerve to do a chargebacks from a ptr sites.. Ha these scums are sooner or later go down and then who will you go and support? The next site they come out with ? Give me a break..

UPDATE: Citibank Mastercard sent me a mail saying this:

"The Truth in Lending Act regulates the conditions under which you can assert a claim or defense. The Act limits the amount of the claim or defense to the unpaid portion of the disputed charge. Since you have paid a portion of this charge, we can only assist you in disputing $24.11 of this charge.

We have issued a permanent credit to your account for the amount of your dispute. We may attempt to obtain reimbursement from the merchant; however, the credit will remain permanent even if we are unable to obtain a merchant credit. No additional information or documentation will be necessary to resolve your dispute.

We look forward to providing you with the best possible service."



What the hell does this mean? I have NOT paid the original $580.92 that this disoute is for. It is still on my statement and I have paid other ammounts and left the 580.92 there until this is resolved. What should I do now?

This is complete Bull**** - My credit card company is telling me that since I paid the initial charge of 580.92 back in Jan. That I have no chance for a dispute.

Basically, I took the 580.92 and paid it with my credit card, it went to Stormpay, then to 12DailyPro - Crap hit the fan, I never got any of it back. My service was never recieved for the money I paid, this all happened in Feb. after I paid my original bill.

The credit card company says due to the Truth in Lending Act, I paid my Jan. statement with the 580.92 on it so therefore I have no chance of a dispute.

They gave me 580.92 credit to my account in March, and then took it away in April and put the Reversal back on my statement for me to pay. Now in May they say I get to keep only 24.11 out of the 580.92.

They told me their hands are tied and they can't do anything about it. She then admitted that tons of people have been calling about Stormpay and I am not the only one.

They said they don't need any more information or documents to fight the charge because nothing can be done...That is why I am here. I know there are tons of people here going through the same problems, and I am asking or help.......what to do?

Man, that blows, hope my second dispute doesnt get reversed. So looking good, got it reversed again one month ago.

Sucks to be you

Thanks for the positive remarks and great help..

Can someone explain why I have to pay again?

Supposedly, the act says I have to obide by it because I paid the charge already on my Jan. statement. So then why do I have to pay the Reversal for the same ammount once again?


Jan. Statement - PAID IN JANUARY

01/04 01/04 WWW.STORMPAY.COM CLARKSVILLE TN Standard Purch 580.92


May Statement - Why do I have to pay again?

01/04 04/07 REVERSE WWW.STORMPAY.COM CLARKSVIL Standard Purch 580.92

OMG, if no more fight can be held, so you just call up your CC service center to ask them why you have to pay it again since u already PAID it. If i were you, I'll directly argue with them. good luck!

u dont have to pay anymore! just go complain, if they refuse cancel the damn card! u shldnt need to double pay!

My conditional credit for my first dispute is now permanent!

I WON!

Now I am fighting the other charge! Thanks for all the help!

I'm not sure how this impacts anything, but i'm with a credit union and they never even attempted to counterdispute in the first place.

Congrats, Blakthorn. That is good news.

I hope all those at Stormpay rot in hell.

I've received a similar letter today together with photocopies of 12dp's website and my SP history WTF!!

How the hell do I fight this ...

[edit]Spam[/edit]

Sadly, I was informed by CC company that they don't fight for us even paying ARB fees.Nonsense!

They'll ask you to get your own lawyers or your local government instead.

There's just so many of such processors around here. SUCKS!