rajczak_kashka
CGN Ultra frequent flyer
- Location
- Surrey, B.C.
I’ve never had any issues dealing with them. Definitely not scammers.
CGN is supporting scammers ? Italian Sporting Goods
- Thread starter naktabar72
- Start date
- Status
- Location
- Calgary, AB
As a dealer, I can maybe shed some light - and it won't be exactly the same for all dealers, but in general it's the same.
Customer places an order online, and the card processor processes the card, and in most cases, it passes all the fraud checks and balances, but sometimes things get hung-up... examples of possible "fraudulent behaviour issues" are:
- Billing address of credit card doesn't match the billing address used when placing the order
- Billing address of the card (which is the one on file at the bank) doesn't match the shipping address
- Customer used a VPN when he placed the order, so the IP address location isn't "close to" the shipping address
- Characteristics of the specific order are similar to fraudulent orders observed in the past
- Card CVV value is incorrect
- Postal Code used in shipping address doesn't match postal code on file at the bank 100%
- Payment attempted with more than 1 credit card (when you try several cards)
- More than one payment attempt made
- Shipping address is not "close" to IP address (especially when using a VPN)
- Using "web proxy" flags a transaction (IP address masked)
ANY or all of the above triggers the card processor to inform the dealer that the risk of fraud is "high". Sometimes the card processor will flat out decline the transaction, or, it will leave it to the dealer to decide whether to ship the item or have a possible fraud "risk".
Quebec unfortunately is mostly the Province that "triggers" these fraud alerts, mainly due to high volumes of card fraud stemming from QC, and in most cases, Laval. Unfortunately, there are some GREAT folk in QC and I have tons of AWESOME customers that live in QC, but when it's a new customer and you get a "high risk of fraud" FLAG from the card processor, I (as a dealer) get a bit nervous.
If you ship the product and there WAS fraud, you lose the product and 99.9999% of the time, the bank reverses the charge and refunds the REAL customer, leaving the dealer with NO money and NO product.
This happened to me in May 2022 - see the thread I posted about it.
And customers get crazy upset when I get this "flag", and call them and ask to see their drivers license to verify their name and address... And they get annoyed when asking for an EMT payment - but we sit with the "damage" if we ship and the transaction gets a chargeback from the bank.
Anyway, just wanted to shed some light so some folk have a better understanding of how the background "checks" on card transactions work.
Using a VPN when ordering online is a SURE way of getting the transaction declined or "flagged" for possible risk of fraud.
Cheers
Robbie
Customer places an order online, and the card processor processes the card, and in most cases, it passes all the fraud checks and balances, but sometimes things get hung-up... examples of possible "fraudulent behaviour issues" are:
- Billing address of credit card doesn't match the billing address used when placing the order
- Billing address of the card (which is the one on file at the bank) doesn't match the shipping address
- Customer used a VPN when he placed the order, so the IP address location isn't "close to" the shipping address
- Characteristics of the specific order are similar to fraudulent orders observed in the past
- Card CVV value is incorrect
- Postal Code used in shipping address doesn't match postal code on file at the bank 100%
- Payment attempted with more than 1 credit card (when you try several cards)
- More than one payment attempt made
- Shipping address is not "close" to IP address (especially when using a VPN)
- Using "web proxy" flags a transaction (IP address masked)
ANY or all of the above triggers the card processor to inform the dealer that the risk of fraud is "high". Sometimes the card processor will flat out decline the transaction, or, it will leave it to the dealer to decide whether to ship the item or have a possible fraud "risk".
Quebec unfortunately is mostly the Province that "triggers" these fraud alerts, mainly due to high volumes of card fraud stemming from QC, and in most cases, Laval. Unfortunately, there are some GREAT folk in QC and I have tons of AWESOME customers that live in QC, but when it's a new customer and you get a "high risk of fraud" FLAG from the card processor, I (as a dealer) get a bit nervous.
If you ship the product and there WAS fraud, you lose the product and 99.9999% of the time, the bank reverses the charge and refunds the REAL customer, leaving the dealer with NO money and NO product.
This happened to me in May 2022 - see the thread I posted about it.
And customers get crazy upset when I get this "flag", and call them and ask to see their drivers license to verify their name and address... And they get annoyed when asking for an EMT payment - but we sit with the "damage" if we ship and the transaction gets a chargeback from the bank.
Anyway, just wanted to shed some light so some folk have a better understanding of how the background "checks" on card transactions work.
Using a VPN when ordering online is a SURE way of getting the transaction declined or "flagged" for possible risk of fraud.
Cheers
Robbie
Pump the brakes OP, lol..slow down!! I honestly doubt that Italian is scamming you, as has already been said we just had a long weekend. Take a big deep breath, call the store and i bet the whole thing will get sorted out in one phone call. I have dealt with Italian before, never an issue, spent lots of money there in the past decade.
RACIST!! Lmao, I think most people who call others “nazis” or “racist” probably don’t even understand the meaning of the word.
Hahahaha
Thanks for the info! I didn’t even think about the VPN issue!
Thanks for sharing your experience, I use a VPN quite a bit and never realized it could cause issues
- Location
- Calgary, AB
Anytime. Yeah, I never knew how it worked behind the scenes either, until I got defrauded with a $5000 purchase 2 years ago.... And then got a bit of an education lesson by my card processor. there are so many small things they look at when deciding whether a transaction might have a chargeback etc.
And it's kind of nice to know what to be aware of now. VPN's cause some issues with some card processors, as the location of the IP is one dead giveaway that the person doing the transaction, might not be living near where the billing and shipping address is located.
Anyway, I hope it shed a little bit of light.
- Location
- Calgary, AB
You don’t know me well at all if you think l commented to get exposure. Nobody has shed any light on why card transactions get “flagged for fraud”. That was all I was trying to explain.
And I am personally a customer of ISG. If they think what I said is inappropriate or feel I’m trying to get exposure, they should immediately remove my posts and inform me to refrain from posting.
I was actually trying to get people here to understand why they asked the customer for an EMT payment. Anyway, sorry if I offended you.
Heaven forbid someone who actually knows what goes on behind the scenes posts instead of the OP who chooses to ignore their failed flamefest.
There is no rule about posting or not posting in another stores forum, get off your soapbox with your distracting bs. There's an actual issue at hand and OP is hiding
LOL. He went pink.
Good information to know. At least a retailer stepped up and gave a lot of good information.
Seeing as you haven't posted since, I'm assuming its resolved to your satisfaction, that's good because they are a great out fit with an unblemished reputation
- Status
