• Report: #115115
Complaint Review:


  • Submitted: Thu, October 28, 2004
  • Updated: Sat, April 02, 2005

  • Reported By:Fargo North Dakota
1501 W 17th St Tempe, Arizona U.S.A.

CCBill ripoff Tempe Arizona *EDitor's Suggestions on how to get your money back into your bank account!

*UPDATE EX-employee responds: Some inside info from a former employee, just because its porn doesnt mean you're being screwed

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Well since I'm here you know what this is about. It's about CCBill they charged my debit card $39.99 for a site that I didn't even know existed. Their website said I signed up on Oct 16 2004 well by looking at my bank statement there was nothing on my activity on that day for the next.

Then all the sudden I get charged $1 then I get charged 39.99. I email them and they can't find my info...so I look a little harder and find that it used a email acct that I no longer use.

So when I tell them over email that I found the info and tell them exactly how they can find it on their site they say they can't do anything cuz they can't find it and that I have to call. So since I don't have a phone I had to call them from a payphone. The person I spoked to was Michael and he tells me that I didn't qualify for a refund....

Hmm interesting that I wouldn't qualify for a refund for a service I didn't sign up for but 'magically' appeared on my card. So I tell him that there has been fraudulant activity on my card once befor so he has the audacity to begin rediculing me on what i should do to prevent this stuff.

I am a 29 yr old man who lives on a almost nothing. I have had my ups and downs and for companys like this to take advantage of honest hard working individuals is unmentionable. That's the last $40.00 I had to my name. I am currently unemployed. I will not take this laying down. If there is a any Justice in this country i would hope it helps the people victimized by this company. If there isn't a class action lawsuit against this company there should be and i would love to be contacted in order to participate.

Fargo, North Dakota

EDitor's Suggestions on how to get your money back!


Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.

According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.

If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.

Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!


Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.

And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.

Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.


If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.

Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.

And good luck Let us know how you do!

ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com

Don't let them get away with it.
Make sure they make the Rip-off Report!

We are not lawyers.
We are not a collection agency.

We are Consumer Advocates.
...the victims' advocate

WE are Civil and Human Rights Activists

We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers

CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.

Click here to read other Rip Off Reports on CCBill.com

This report was posted on Ripoff Report on 10/28/2004 04:10 PM and is a permanent record located here: http://www.ripoffreport.com/reports/ccbill/tempe-arizona-85281/ccbill-ripoff-tempe-arizona-editors-suggestions-on-how-to-get-your-money-back-into-your-115115. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 UPDATE EX-employee responds

Some inside info from a former employee, just because its porn doesnt mean you're being screwed

AUTHOR: Matt - (U.S.A.)

CCBill.com or CWIE, (Cavecreek WebHosting Internet Exchange) started off sometime around 1996-1998, i dont remember for certain, the company is ran by the cadwell's one of the richest family's in the world, or at least in my existence and the only time i've actually seen in my presence an American Express Black Card, the company was actually started in the backroom of a small chiropractor' practice and at time was one of the few webhosting and online billing processors that didnt discriminate strongly on what content they would host and provide billing serives for. CCBill unlike many companies is what you call an LLC (Limited Liability Corporation) and merely acts as a middle man, unfortunately for this middle man the majority of requests came from adult sites, mostly international sites wanting secure processing services for some of their questionable content, which at the time included lolita, and beastiality porn and if it werent for a VISA intl customer service initiative to discontinue credit services for these questionable sites, they would probably still be billing for them,

Now CCBill is not just one big scam, i had worked for the company for a period of almost 2 years while i was attending college, at the time they provided health and vision insurance, gave free webhosting to employees provided you use it for personal content and dont use it for any personal gain or profit, and something you dont see a whole lot anymore, an onsite cook that provided lunch daily, and let me tell you, it was good food, plus how many jobs involve looking at porn, trust me when you're 19 this is a deal and a half

at first there were no quality standards, required greetings, and any claim that couldnt be proven beit because of bad record keeping, your request being ignored or our general database crashing, was denied and dealt with in a your word against ours manner, and for a startup company paying a bunch of kids 7 bucks an hour to answer their phones this is kind of expected, the only reason most of these companies ever decide to enforce metrics for quality and courtesy is because the company becomes just big enough that the FCC begins to take notice, but at the time CCBill was not at this point and it was just a job with free food and all the porn you can swallow, now i will openly admit that requests were at times handled poorly and many times resolution of your issue was determinate on the overall mood and demeanor of the CSR you spoke to, and asking for a supervisor was almost impossible, *passes phone to agent sitting next to him* "hello this is the supervisor"

over time i began to become a senior agent and started learning some of the legal and administrative side of things, in addition to your rights as the customer and our rights as the merchant, and I will actually come to their defense in saying that several times the customer service department was restructured as the company grew eventually leading to call monitoring, corporate trainers, quality standards, and of course with any call center, an average call/handle time metric, or AHT of 8min,

for a long time i handled the majority of faxed in inquirys and requests for cancellation in addtion to some correspondence by mail, and although I cant speak for some several times I went out of my way to cancel billing for charges that other agents couldnt locate, and although there is no refund policy, "YES, THERE IS A BUTTON" and yes "THEY ARE ALLOWED TO CLICK IT" under extenuating circumstances, the event of fraud or the threat of a chargeback, the last 60 days which at the time was the legal entitlement would be refunded to your credit card in a matter of a few days and your card would be blackballed in our collective database that was shared with a few of the other major online billing processors forever, that was at least a few years ago but at the time it was ran like any other call center, callbacks were made, the agents flamed you when they muted the phones and supervisors were there to handle escalations, and really i saw the company grow in leaps and bounds from processing roughly 1500 websites when i started to processing a gasping 18,000 around the time of my leaving

the company i remember had good benefits and was really a small company trying to blossom into its own, at any given time there were never more than 20 csr's on staff, and as i became more and more fed up with the company especially after they cancelled benefits for non executive employees, but by the time I left things were changing quite a bit, the call time went from 8min, to 3min, and i believe at one point to 90seconds, plus i remember at one point a policy being in effect to reduce the refund rate by a certain percentage and refunds were only processed if the customer was threatening chargeback, chargebacks are a funny thing, did you know that a company that makes that much money has to maintain a chargeback percentage of less than 2% otherwise whatever credit agency they break the 2% barrier with will pull their services and they would no longer be able to process cards of that type, also anybody who's worked at a startup company may have noticed that when they started at the company all the employees hired were held to a standard and everyone hired originally seeems to have some form of normalcy about them, but as the company gets bigger and the turnover rate is more than 20% companies tend to be a little less discriminatory and tend to take whatever can or cant spell it's own name and lets just say some of the people that worked their towards the end of my employment there were a little bit shady, but in the end i became a thorn in their side as I saw plenty of eager young less morally aware people step into management and executive roles, as I seemed to just kind of be reduced to a basic phone jockey with no say or tenure, while the company became more and more professional, while the customer service department was reduced to a mere liability offering no service other than to cancel whatever debit you are calling about in the time it takes to warm up a hot pocket

what I can tell you is that it's as legal and binding as the constitution itself, curse the man whoever had the idea for a statement of severability and limited liablity probably should be shot, but this allows CCBill to sit off to the side and handle the workload and rake someone elses cash which they get a modest percentage of while the webmaster can provide whatever minimal amount of service he needs to to his subscribers, and as long as their is a content disclaimer, he doesnt have to have the girl you saw in the preview, he doesnt have to have a reasonable amount of content in comparisson to price, and he can neglect to provide the service advertised,

but this is the world we live in of terms of service and disclaimer contracts as long as our arm,


but you dont have to tell me that, I work in IT, with the combination of viruses, worms,spam, spyware,malware, adware, scamware, and trojan horses, that take over any john q public's computer that doesnt happen to be a network security specialist, its no wonder that something such as this can thrive on this global marketplace of grey areas and dont ask dont tell policies we call the internet, sure CCBill does some bad things, but in the grand scheme of things at least their legal and they have a legitimate facing, if you have some extra time do google search on a company called paycom they truly were unreachable and for it there company got audited and is no more, it's been the same phone number for seven years, granted I havent worked their in a few years and things may have really gone downhill,but I know the game that they play, and the people behind the helm of that company, are the best of their league, and even though it pisses us off, they play by all the rules, trust me, they're not going anywhere...

I ask you kindly not to judge me as I am no longer involved with this orginization and haven't been for some time, the information in this rebuttal is so you can form your own answers and maybe understand the game of internet credit card billing a little bit more, dont hold anything I say attestable in court or any other proceeding as in the legal spectrum of things this is merely heresay and the personal opinion of an employee that didnt like what they saw and left, all the people who feel they have been defrauded by this company have my condolences, and this isnt directed at anyone, but remember companies dont just rake credit cards off the world wide web, and insulted you may be, remember that a person had to fill out a form just as detailed and secure as any other online credit card purchase if not more, the same as they would for any other online purchase,

whether they bought sporting goods and chocolate or 3 hours on some bimbo's website, the credit card company doesnt look at this any differently

just because its porn doesnt mean you're being screwed
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