Consumer Protection ILD Teleservices

1 consumer protection

1.1 coalition ensure responsible billing
1.2 online self center
1.3 consumer education blog
1.4 validation , authentication services
1.5 merchant verification process

consumer protection

in recent years, ild has accelerated efforts protect consumers unauthorized charges on telephone bills. company has launched several initiatives designed strengthen security protocols of service offering , inform consumers on alternative payment methods , ways avoid unauthorized billing. these include:

coalition ensure responsible billing

in order protect consumers unauthorized, deceptive or ambiguous charges on telephone bills, ild has adopted coalition ensure responsible billing (cerb)[1] standards of practice. cerb created, noted on site, “in effort fight proliferation of ‘cramming’ (the addition of charges telephone bill products or services consumer did not knowingly authorize).”

online self center

a central component of comprehensive effort educate consumers bill phone alternative payment method, ild teleservices has established self center on site, online customer service application first of kind online in payment processing industry [2]. self center provides path consumers initiate inquiries , resolve transaction issues fast , effectively. several key questions guide consumers toward resolution. consumers can submit inquiries unrecognized charges, verify credit requests, , find fast track cancelling services.

consumer education blog

in conjunction self-help center, ild has launched blog on website keep merchants , consumers informed of business activities. ild has played active role in leading bill phone industry establishment of guidelines ecommerce transactions on telephone bill. ild’s blog [3] provides tips, alerts, , other information helps merchants , consumers alike make more informed decisions, including ways avoid cramming, advice fcc, , articles on consumers can protect against threat of unauthorized transaction on telephone bill. though ild processes on 120 million transactions each year buyers , merchants—over half of billion dollars in purchases—only small fraction result in disputes , chargebacks, credit cards. when there disputes, ild investigates these merchants , makes sure credits applied phone bill, credit card company standards. ild continually monitors complaint levels against merchant bills through us, , if finds merchant in violation of ild policies, has , terminate billing agreement.

validation , authentication services

as part of ongoing effort strengthen bill phone alternative payment offering, ild teleservices rolling out new validation , authentication services, ivalidatesm, ensure security credentials met before processing consumer transaction. new web-based validation system enables merchants verify billing telephone number (btn) lecs ensure “lec billable” before accepting bill phone transaction. merchants accept bill phone payment , process transactions ild, can validate real-time through internet portal, mitigates unauthorized transactions , reduces unbillables.

merchant verification process

as clearinghouse, ild claims must maintain stringent policies , procedures in merchant screening process, includes comprehensive background search on merchant customer, officers , owners. company website states ild utilizes independent third-party background investigator re-examine merchant customer, officers, owners , business information, , before accepting merchant phone billing customer, company collects data on merchant’s product and/ or service, marketing , sales plan product and/ or service, , other pertinent company information, reviewed final approval provided local exchange carriers. however, these efforts have not stopped cramming through ild evidenced continued complaints against them on sites such consumeraffairs.com