2checkout screwing me over $35,000 USD, advice needed

[qrazy]

Suing is out of option for you, not because whether you can or cannot legally. It's because you'll just end up paying attorney fee and in case if they do any counter suing & could prove it, you'll end up losing money big time. The best thing to do is

1. Get all the transaction related documents when your account was blocked/closed.
2. Get the details of chargebacks from customers & reasons for it. Verify it.
3.Read the TOS of 2checkout thoroughly to see if there are any points mentioned that they can charge their customers(you) in case of payment processor fined/penalty them.
4. Research more about step 3(your exact scenario) from internet/attorney.
5. Verify if those documents provided to you are authentic.

Once you get all these details, you will be in a position to know what needs to be done next.

 

[Danny1111]

Grazy is where I think this lays ... you say you had $35k ... they say with all the charges/settlement you are now -$50k ----> is it clear your responsible for this in their TOS -- and can they prove "damages" or not ... if you sue them and they have one ounce of proof then your in for a world of pain ..... hopefully it turns out they can't pursue you for the money anyway .. but thats what professional advice will tell you.

I'm out on this matter - can't say anything else.

 

[idmercu]

I used to work for 2CO in Columbus from 06-08. I would never use 2CO for my payments for multiple reasons. One, way too high of fees. Holding payments and they earn interest on it. (slick) Another, stupid verifications process where they call your customers and confuse them and almost talk them into considering a refund.

Also, watch what you post here. There are 2CO lurkers. One guy has 2CO in his signature so he obviously works there.

 

[Amsterdammer]

Oh goody, I like the popcorn in this thread.

My professional advise as a forum whore is to seek a lawyer specialized in this sort of thing. No way you will get legit advise here since the case is a bit more complicated than a simple yes or no by the looks of it.
This is not about nickles and dimes, it may or may not be international and you may or may not require Vaseline.

Also, even if you lose, you still have the right to sue. Taking people to court has shown to work in some cases even if there really wasn't a case to be won.

Other than that....

opcorn:

 

[Berkeli]

my personal thought to the OP,
the that company knows you are not going to sue them because of the fake stuff, and that's why they are trying to take from you all they can, it happened to me in a complete different type of business but the moral was the same,
you could take a risk and sue them but as you mentioned - if they are in Cyprus, they can just print out an invoice for any amount they like, and your attorneys, lawyers will be helpless.
Just take what you can, and stay away from them.

 

[Leith]

I used to work for 2CO in Columbus from 06-08. I would never use 2CO for my payments for multiple reasons. One, way too high of fees. Holding payments and they earn interest on it. (slick) Another, stupid verifications process where they call your customers and confuse them and almost talk them into considering a refund.

Also, watch what you post here. There are 2CO lurkers. One guy has 2CO in his signature so he obviously works there.

Having 2CO in a signature doesn't mean they work for 2CO. That is just a stupid statement.

OP, I guess keep insisting. Don't let this pass away. Suing them is an option but you're probably going to end up with more money to be paid (for attorneys, etc I guess).

On the other hand, I've been completely happy as a 2CO customer but posts like these make me think twice about taking payments with them in the future..

 

[Gorush]

Seems like you were selling shitty items. How many chargebacks did u have?

If i were you i would let it go and start again.... Now you know what you did wrong...
Did u sell via your own ecomerce site?

peace

 

[Duffers5000]

You are talking about 35K here. Go and seek legal council. Bring whatever facts you have and be 100% upfront with your lawyer. Tell them exactly what you were doing and tell them if you felt you were breaking any rules. Before you start taking any bullish advise to sue, your lawyer will be able to tell you what is most likely to happen and if you have a chance. At the least the lawyer should let 2CO know that you are represented and you wont be going away without some satisfaction, Initial enquiries wont cost a lot of money and going to court is the very last thing you would do after seeking fair recompence. Theres some decent advice in this thread but from one extreme to the other...get a lawyer.

 

[jox51]

It doesn't cost anything to seek legal advice. Nothing. I would suggest you do that. Thanks

 

[Roparadise]

2CO needs to be shitlisted like paypal they are both scamming their users with broad TOS. Is there any payment processor that is not running the TOS scam?

 

[silentthunder]

It doesn't cost anything to seek legal advice. Nothing. I would suggest you do that. Thanks

^^^^^^^^^^^^ This. Not sure if you need to sue but you obviously need legal advice in a big way. Counterfeit doesn't even enter the picture. They were merely Chinese imports.

 

[nickk]

I suppose the best solution here is to get a legal advice.

 

[ThePacketeer]

Couldnt you just pay the fine and get on with it....?whats the big deal.

If you don't have $35k lying around, like most people won't, it isn't that simple to "pay the fine".
It would be stupid if you would have to loan the money just to pay of a fine.

I recently got a cleam for €10k and I just hired a lawyer, it went to court and they lost. They even had to pay me €1250 for inconveniences. The lawyer cost me about €700. Ofcourse, I know before that they where full of shit and had no proof of their claims, so I felt pretty secure I was going to win it.

But to the OP: Go to a lawyer and find advice. In my country the first visit to a lawyer (for advice) is free. Ofcourse they will advice you in a way that includes them, but in the end it will cost you a few 100 bucks and you will have certainties about what your options are and if it would be better to ignore it, pay it, or go to court.

 

[idmercu]

..........

 

[Amsterdammer]

idmercu, xenix9 does not work for 2checkout. I don't know the guy but this much I can tell you without knowing him.

I see you now edited your post though.

Let me put your post up again.

And your pointless comment wasn't stupid????

This particular BHW member, their signature reads: '2CO is Awesome!'
They work there, trust me. And that's not just a part of their signature.....it's their entire signature. This thread is being watched. My opinion.

 

[ClThis]

Since not a single one of the people on this forum knows anything about how you managed the account, what threshold was broken and your 2CO communication was I think the only advice you need is one from a lawyer who is hired to review your situation. To help your lawyer out or prove you may need one you may want to ask these questions from 2CO:

1. We need a clear statement from the processor, sponsoring bank, or card association (other than 2CheckOut.com) stating which violations caused the account to be closed.

2. We need an itemized list of chargebacks and violations including reason, amount, date, and customer since we no longer have access to the information you claim.

3. We would like to be put in contact with the payment service provider, not 2CheckOut.com, who sponsors and/or works with 2CheckOut.com.

4. If we are not provided with these answers in 5 business days we will assume this is clear and deliberate fraud and have our hired law firm contact 2CheckOut.com demanding, in full, the balance of our account at the time it was closed. If this fails to reason with your group we will be forced to have our law firm file a legal claim against 2CheckOut.com and expedite the legal process.

Now, I am not telling you what to do or advice on what happened - I don't know and stuff happens all the time in the payment industry - but I would start by asking some questions that force them to prove it. Don't just demand it back, it seems you got a BRAM Violation (MasterCard) and 2CheckOut.com is not telling you straight. The payment industry can be very hard to navigate so they are prepped to deal with guys like you too, you need to pursue it smart

 

[InternetUser]

These are some serious accusations. Hopefully you can resolve it to a point where neither side owes money, even though it seems as if you were screwed over tremendously.

 

[idmercu]

idmercu, xenix9 does not work for 2checkout. I don't know the guy but this much I can tell you without knowing him.

I see you now edited your post though.

Let me put your post up again.

Funny How you knew exactly who I was referring to without me providing the handle dont you think? You know how to push the buttons on the site, congratulations! You're lame. Save your energy for something useful.

And why would anyone, no matter how satisfied of a customer, would you have as the only thing in your signature '2CO is awesome'? Makes no sense. Unless that person had a VERY vested interest in 2CO. Just using my brain. Again,, OP, watch what you are posting. Especially any plans of action you may be considering.

 

[Amsterdammer]

Funny How you knew exactly who I was referring to without me providing the handle dont you think? You know how to push the buttons on the site, congratulations! You're lame. Save your energy for something useful.

And why would anyone, no matter how satisfied of a customer, would you have as the only thing in your signature '2CO is awesome'? Makes no sense. Unless that person had a VERY vested interest in 2CO. Just using my brain. Again,, OP, watch what you are posting. Especially any plans of action you may be considering.

Ever heard of google? A simple search on there popped up the name.

Also, if paypal gives problems, and it does, people could be very happy with 2co. There are plenty of threads where it is advised to use them over paypal to collect. Less of a TOS problem there.
The current thread is the first bad thing I saw about 2co.

Also, I am a lot of nasty things but lame is not one of them. This is a matter of opinion of course, you are entitled to yours.

 

[idmercu]

duplicate