I sell commercial tires + do road service. They got me good, I got scammed from a “friendly fraud” scheme. Not gonna explain it all, but in the end, I lost the chargeback case for $2300, and I’m not gonna pay it. I know this is chump change to others, but not to me at my current stage.

Initially, when the chargeback was placed, Heartland took the $2300 right out of my account without warning (I’ve learned this is common practice), then once I disputed the chargeback they readjusted my account and reissued the $2300 back to my bank.

I just got the email that I lost the case. So before they can take out the money again, I’m gonna beat them to it. I’m putting stop payments on Heartland from my credit union or I will freeze my bank account altogether. Gonna call my credit union in the morning and see what’s the best option. I was defrauded.

You multi million dollar companies can hold this bag and hold these nuts too while you’re at it. You love collecting a piece of the pie with transaction fees every month but can’t protect merchants, just leave us out to dry.

Send me to collections, remove my heartland account, put me on the “black listed merchants” list. Idc. I’ll still take payments under a relative’s name until it blows over in 6 years and I’ll be back on a different processing platform. This is my rebellion. I’ve learned a lot regarding chargebacks, but FU to the system

Edit

I crashed out, i saw red. I couldn’t stand for $2300 to be taken out of my business account right now. It would affect my ability to conduct business at this moment.

I told heartland dispute dept. that I will pay it back but I blocked them from being able to deduct the money from my account. I asked if I could pay in increments, they mentioned that I can take customer payments through Heartland and the payments will deduct from my balance and it needs to go to 0 before I can receive pay outs. Fair enough. I asked is there a deadline? The service rep. said there was no deadline, just needs to get paid down monthly. I’ll take that deal over the $2300 in one shot out of my account. I was a victim of fraud, and I’m putting measures in place to not allow this again.