I am a merchant account ISO. This is the 3rd time that this guy changed the signer, Tax ID and Address, and applied for a merchant account. When I found out that he was behind the business, it was too late. There had been excessive chargebacks. What he always does is that he charges customer’s credit cards and never ships products (ships some). When cardholders start disputing on the charges, he closes his bankaccount and processores have to cover the losses. It is very difficult to prove that he does it on purpose. He may have an excuse that his business went bad unexpectedly. He ships products internationally. His customers are all in his native country.(which is mine too) They can’t take any legal action since he is here. I found an online rip off report site over there. I have contacted Risk/Collection Dept. at processores since I found out that he (on Match List) is involved with the account. They are just interested in collecting his dept on his previous accounts( which is their job to do I guess) not stopping his from continuously doing it and creating more victems and causing more losses in the future. I want a criminal justice as credit fraud but I don’t know where I can get an advice. If you know any information about this kind of sencitive subject, please help me. Thank you for spending your time to read my long story.

To make a long story short, I had a merchant credit card processing account setup through the original creditor, Cardservice International, approximately 4 years ago. During that time I only made a few charges using the account. They were large charges and totaled just over ,000 altogether. These charges were never deposited into my bank account and I was contacted by a man working with their fraud management department. He wanted me to send out products before receiving the funds so I did not agree and I stopped using the merchant account. I also contacted my bank to block their access to my checking account.

Now they have hired the collection agency Allen & Associates on their behalf to collect the ,000 that they never gave me in the first place! I’ve obtained former bank statements from Wachovia and spoken to a branch manager. I attempted to send this information to Allen & Associates, but the agent on the phone refused to provide me with a fax number where I could send documents to dispute this debt and told me that I should just get an attorney because they will sue me. They did "claim" that a representative from Wachovia will be present to testify that the deposits were made so tomorrow I plan to bring the list of supposed deposits into a branch to get a certified letter from a branch manager stating that they were not. This invalid debt for ,000 is also on my credit report as of right now. I’ve disputed it and it was removed at one point, but it appears that A&A has reported it again.

I need to legal advice on how to proceed. I’ve tried to dispute the debt, but obviously they will not allow me to even show them the documentation I have to support my claims. If I do file a suit against them do I file against the CA or the original creditor?