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A returned check and a chargeback are two different things.
Basically these guys are using false information and either using their own checking account with a false name or just making one up and CCBill is giving them access until it is found out that it is false information and will not/can not process it.
The one good thing I can say about Ibill when we used them 4+ years ago is they took online checks but do not grant access to the site until the check has been processed a few days later.
I have asked CCBill many times to start doing this and received no reply.
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