Lake County Forest Preserve Raping Forests!

What can be done about the destruction of forests being perpetrated by the Lake County Forest Preserve? On the west side of The Fox River in Grassy Lake Forest Preserve there were beautiful strands of trees which are being destroyed with the usual mumbo jumbo about making them “better” I guess better means cutting down almost every healthy tree in site destroying habitats and shelter for cranes, egrets and other animals. Here is what the East bank of the Fox used to look like. The debacle was supposed to finally stop last week but the “destroyer” crane was back at it today. There are promises of planting seedlings “someday” and a hilarious statement in a letter sent out to nearby residents that they will be planting oak tree seedlings which “grow fast.” “Grow fast” What planet does the LCFP live on? Shameful. Also they are using our tax dollars for the destruction of forests. Things like this needed to be presented in a public forum for property owners and taxpayers. The Forest Preserve can’t just be given a “blank check” to spend money on “keep busy” projects. Ironically this area is labeled as a conservation area. A lawsuit must be initiated against LCFP for damages.before destruction of treesafter destruction of trees

DO YOU KNOW THIS MAN?

To View picture click here creditcardchargeback2 Do you know this man! This is a warning to all merchants who accept credit cards. If you recognize this shyster, please message me or email me at bhoidas@gmail.com. This guy went into my merchant’s store and bought a lot of memorabilia and used a phony card to pay for the items. He is very clever and knows how to work a credit card terminal. He made up a story about how he always has to enter a PIN # before his debit card is swiped. He then took over the cc terminal and knew how to quickly press the proper keys to do a “forced sale” which basically means the terminal doesn’t ask for an approval because one has been manually entered so then when it is swiped it just prints out a receipt assuming the merchant has an authentic approval code. Also he apparently can make phony ID’s as the address on the driver’s license is phony as there is no 4413 on Essex in Vegas and if it was would be a different zip code. Thanks!

This will assure that you get the lowest credit card rates on each card you process

You will get the lowest rates using this as long as your current processor has you set up properly. Also easily integrates with QuickBooks and even enhances QB performance.

For Level 3 processing I highly recommend PayTrace which is a phenomenal gateway that automatically defaults all your transactions to Level III and that would save you money on all your downgraded transactions such as EIRF and Standard and provide you great savings. Cards that will also go through at reduced rates are below and also attached. Also their customer service is unparalleled in the payment gateway industry.

Visa Purchasing and GSA Purchasing cards 1.80%
MC Purchasing and GSA Purchasing cards 1.80%
MC Fleet cards 1.80%
MC Corporate cards 1.80%
MC Business cards 1.80%
MC Business Enhanced Value cards 1.92%
MC Corporate World cards 1.97%
MC Corporate World Elite cards 2.02%
Visa Signature Preferred, Corporate and Business cards 2.05%-2.10%

The best integration available for Quickbooks if needed is http://verosa.com/
Thanks and let me know if you want more details.

#chargebacks Fight Friendly Fraud TODAY!

For the last few years I have contacted top officials of The Federal Reserve and MC/Visa/Discover and Amex all to no avail. The card associations aren’t going to change unless they are forced to by government intervention or a Class Action Suit which I am also exploring. Both Congressmen have showed an interest in pursuing what I have written in the petition. Congressmen Peter Roskam and Jeb Hensarling are no lightweights. Peter Roskam served as the Chief Deputy Majority Whip from 2011 to 2014, ranking fourth among House Republican leaders. He has also served in the Illinois Senate and the Illinois House of Representatives. He currently serves as Chairman of the House Ways and Means Subcommittee on Oversight. Jeb Hensarling is chairman of the House Financial Services Committee, Jeb is a leader in promoting consumer choice, competitive markets, and smart regulation in our financial markets. Unfortunately, I am so far the lone wolf for my industry in this fight for merchants. What are you willing to do to help? Have you signed the petition? Have you had the time to read it? Thanks! http://www.ipetitions.com/petition/re-unfair-chargeback-rules-regulations-policies

Y2K Again?

index

Well October 1 has come and gone much like Y2K! Well over half the merchants in the USA cannot process EMV Chip and believe it or not the majority of POS Systems and card swipers for internet gateway connections are still working on a solution .Having said that retail merchants that swipe cards using a counter top credit card terminal should make sure their credit card processor has provided them with a new terminal that can take EMV Chip cards and will have the EMV Chip slot usually in the front or bottom of the terminal. If the terminal will be hooked up to a phone line it will still take chip cards but because of the increased data will take about 10-15 seconds to process if processed using the chip instead of swiping the card. The reason EMV is important for retail merchants is that if a stolen card is processed as a chip card the merchant will not be responsible and will not receive a chargeback because of fraud. Any good credit card processor should provide the merchant with a new terminal for free. Merchants that use a POS or mobile phone to process may have to wait for a solution from the POS provider.
EMV is only good for Card swiped transactions such as retailers, etc. Fraudsters could up until now buy a machine to make credit cards for about $700 and enter stolen info on the mag stripe. You can buy stolen identity info on foreign websites all day long for about $15 each. However chips can’t be easily duplicated if at all so now the fraudsters will be concentrating solely on eCommerce sites. A few articles

Help fix unfair chargeback rules

If you have already signed this thank you. Merchants complain to me every day about the unfair chargeback rules and regulations and other procedures and tools offered by MC/Visa/Discover/Amex. Well don’t just talk-take action!

It just takes a few seconds to sign just click on http://www.ipetitions.com/petition/re-unfair-chargeback-rules-regulations-policies  But please do take a moment to read it I think you’ll like the issues raised. Also adding comments would be really helpful to our cause. I have been searching for the last few years for someone in authority who would be willing to listen and have finally found these Congressmen. The card associations aren’t going to do anything unless they are forced to. We need as many signatures as we can get so spread the word and have your friends sign also!

Please add your name to this Petition as soon as possible! Unfair chargeback rules, regulations, policies and procedures issued by MasterCard, Visa, Discover and American Express condoning “Friendly Fraud”

Go to  http://www.ipetitions.com/petition/re-unfair-chargeback-rules-regulations-policies

Congressmen Hensarling and Roskam,

I am writing this to you as one of the millions of merchants (voters) across the USA who accept credit cards for payment. As you have been made aware in the last few years many card issuing banks have begun rejecting legitimate chargeback replies even though merchants are filling the replies out in great detail proving the original charge is legitimate and the chargeback complaint should be removed and decided in favor of the merchant. It has gotten so bad that on some of the chargebacks a 5 year old child could see that the cardholder is simply trying to steal merchandise and/or services from the merchant. Frivolous chargebacks allowed to be presented by the card issuing bank is an obvious violation of Federal Regulations E and Z. They are also a form of felony theft by the cardholder. This is causing merchants and the US Government millions of dollars in lost revenue.

Also the card associations’ chargeback procedures leave much to be desired. In the typical non efficient ways of MC/Visa/Discover nothing official ever comes if you win. Only if you lose. Incidentally the cardholder’s issuing bank makes the determination not the merchant’s credit card company. Kind of a kangaroo court! American Express is somewhat better on these issues because they see both sides of the transaction.

We also need a better way to monitor the chargeback progress after it has been filed. Currently there is basically nothing.

And besides “Friendly Fraud” we need a better way to check the validity of all online (eCommerce) and phone orders for outright fraud (identity theft) which would also help in replying to “friendly fraud” chargebacks. In addition to address and zip code check we need to be able to check the cardholder’s name and email address currently not offered by MC/Visa/Discover. American Express does offer email address verification.

We also need the card associations MC/Visa/Discover/American Express to recognize email delivery of merchandise as valid Proof of Delivery.

The verification for foreign cards is even worse causing merchants to decline many legitimate foreign card orders which loses millions of dollars in revenue for merchants and tax revenues for the US Government.

We would also like to see a user friendly way for merchants to report cardholders for felony theft and prosecution. Currently most Police Departments ignore these requests even if the theft committed is in the six figures.

The airline industry has taken a first step in forcing Visa to modify their policies and procedures http://www.eturbonews.com/60006/visa-amends-rules-help-airlines-reduce-card-not-present-fraud

Feel free to contact me for more details.

Respectfully,

Please take action on this regarding MC/Visa/Discover/Amex allowing “Friendly Fraud” and Fraud prevention

For the last two years or so I have been trying to reach someone in government, the card associations or the Federal Reserve to address a situation that is negatively  and unfairly effecting my merchants and merchants all over the USA. Below is someone who has agreed to investigate.

As you know in the last few years some card issuing banks have begun rejecting legitimate chargeback replies even though merchants are filling the replies out in great detail proving the original charge is legitimate and the chargeback complaint should be removed and decided in favor of the merchant (you). It has gotten so bad that on some of the chargebacks a 5 year old child could see that the cardholder is simply trying to steal merchandise and/or services from the merchant (you!).  Frivolous chargebacks allowed to be presented by the card issuing bank is an obvious

violation of Federal Regulations E and Z! We have discovered that many card issuing banks are understaffed and don’t even read the merchant’s chargeback reply but just click a key on their desktop that rejects the reply.

 

 

After hitting dead ends with various top officials at MC/Visa, The Federal Reserve, etc I have finally found someone willing to listen. That is Congressman Peter J. Roskam who is on the House Ways and Means Committee and was the majority Chief Deputy Whip for The House of representatives from 2010-2014.

 

Please email the person he has put in charge of his investigation and if you have time also mail and/or fax Ryan a letter and copy Congressman Roskam. Below is suggested wording which you can cut & paste and of course feel free to elaborate and include your own experiences and/or comments.

 

Suggested wordin

  

Send to:
Ryan Peterman <ryan.peterman@mail.house.gov>

 

For Letters mail and/or fax:

Ryan Peterman
Senior Constituent Advocate

Washington, DC Office

2246 Rayburn House Office Building
Washington, DC 20024

  

Re: Unfair chargeback rules, regulations, policies and procedures issued by MasterCard, Visa, Discover and American Express condoning “Friendly Fraud” and Fraud   

 

Congressman Roskam,

 

I am writing this to you as one of the millions of merchants (voters) across the USA who accept credit cards for payment. As you have been made aware in the last few years many card issuing banks have begun rejecting legitimate chargeback replies even though merchants are filling the replies out in great detail proving the original charge is legitimate and the chargeback complaint should be removed and decided in favor of the merchant. It has gotten so bad that on some of the chargebacks a 5 year old child could see that the cardholder is simply trying to steal merchandise and/or services from the merchant.  Frivolous chargebacks allowed to be presented by the card issuing bank is an obvious

violation of Federal Regulations E and Z. They are also a form of felony theft by the cardholder. This is causing merchants and the US Government millions of dollars in lost revenue.  

 

Also the card associations’ chargeback procedures leave much to be desired. In the typical non efficient ways of MC/Visa/Discover nothing official ever comes if you win. Only if you lose. Incidentally the cardholder’s issuing bank makes the determination not the merchant’s credit card company. Kind of a kangaroo court! American Express is somewhat better on these issues because they see both sides of the transaction.

 

We also need a better way to monitor the chargeback progress after it has been filed. Currently there is basically nothing.

 

And besides “Friendly Fraud” we need a better way to check the validity of all online (eCommerce) and phone orders for outright fraud (identity theft) which would also help in replying to “friendly fraud” chargebacks. In addition to address and zip code check we need to be able to check the cardholder’s name and email address currently not offered by MC/Visa/Discover. American Express does offer email address verification.

 

The verification for foreign cards is even worse causing merchants to decline many legitimate foreign card orders which loses millions of dollars in revenue for merchants and tax revenues for the US Government.

 

We would also like to see a user friendly way for merchants to report cardholders for felony theft and prosecution. Currently most Police Departments ignore these requests even if the theft committed is in the six figures.

 

The airline industry has taken a first step in forcing Visa to modify their policies and procedures http://www.eturbonews.com/60006/visa-amends-rules-help-airlines-reduce-card-not-present-fraud 

Feel free to contact me for more details.   

 

Respectfully,