Credit Card Fraud
The Twister Group aggressively prosecutes credit card fraud.
Are you using someone else's credit card without their
knowledge? Are you using your own credit card, intending to
use it to purchase products or services from The Twister Group,
and later claim that you have never heard of The Twister Group
or did not read Terms and Conditions?
Think again: Your credit card, name and address will be
blacklisted with thousands of online and offline merchants ...
your transactions with The Twister Group will be referred to
our aggressive collection agency ... your credit rating will
be impaired ... Credit card fraud -- including falsely
denying purchase of services -- is a felony, and The Twister Group
routinely works with law enforcement to jail those who engage in such fraud.
If you later contest or "charge back" such a charge,
The Twister Group will follow these seven
steps:
- Classify the contested transaction as one of two forms
of credit card fraud: "identify theft", or "true-knowledge
fraud" (cardholder agrees to a product or service and Terms and Conditions and then later falsely denies having
done so). You lose the protection of
Privacy Policy, and The Twister Group will take the following
additional steps:
- Add your information to
negative databases such as the Internet Merchant Blacklist.
These databases are shared by thousands of businesses, and
will prevent you from using your credit card in the future
with other merchants, both online and offline.
- Prepare a "rebuttal" package of documentation
that is sent to your credit card company which proves the
legitimacy of the charges (this package contains detailed computer
logs: usernames, passwords, IP addresses and other information,
reflecting your entire use of The Twister Group and
our complete file on you.)
- Report the outstanding amount plus $35 chargeback fee, office expenses (see below) and 50% processing expenses to credit bureaus
such as TRW, Experian and Equifax, as "under collection".
- Refer your account to a collection agency, and if
collection efforts are unsuccessful, pursue litigation
against you. $35 chargeback fee, office expenses (see below) and 50% processing expenses are added to the outstanding amount. Minimum collection amount is $50.
- Report any ultimate uncollected amounts as an
"uncollected debt" to credit bureaus such as TRW and
Equifax.
- Report the fraud incident to Law Enforcement authorities.
Steps 3, 4 and 5 are applied for filing a dispute due to disagreement with our policy or
questioning our charge through credit card instead of contacting us first.
We also reserve the right to submit for collection our legal/arbitration expenses.
Office expenses to prepare and submit rebuttals for the first response and representment will be charged at $100/hour rate.
In closing, The Twister Group recognizes that majority
of its customers are honorable people of integrity. However, for those who try to "beat the system" and engage in
various forms of credit card fraud (including "true-knowledge
fraud"), be advised that not only will The Twister Group pursue
each of the above steps, but those steps may very well result
in your imprisonment. The Twister Group fights credit card fraud.
