03-19-2024 07:32 AM
I ran into an issue, which I believe Ebay is well aware of.
I had a buyer open a case with their financial institution.
A relatively expensive professionally graded item.
The buyer did not follow any of Ebay policy.
Did not open an Ebay Return.
Filed with FI on the 48th day of receiving the item.
The buyer opened a dispute with financial institution and of course sided with its client.
Ebay had my funds frozen. Then released funds to (FI).
And did NOT protect me as a seller.
And did not get my item back.
So if this has happened to you.
I would like to hear about it.
If there is a class action suit going.
I would like to be included.
Ebay knows this is happening. And is allowing this.
I have taken down any super big ticket items due to lack of safety.
I will be reposting this under several different subjects to make sure I reach the proper audiences.
03-24-2024 10:23 PM
03-24-2024 11:50 PM
I recommend you go auctionbites.com and look up Ebay's meeting with Goldman Sak's 5th Ave bank meeting about Adyen Managed Payments Nov. 2019 with former Ceo. Devlyn Winick . They ask them if all sellers would be in Managed payments , he said No only 75 % of sellers in managed payments. . Then he was ask if ebay was going to be 100% merchant of record . Again He told them No. if you go through pages 22 to 25 and read it over it is a eye opener . Also on Page 24 Winick told VP of Goldman Sak's that 25% of it's members would still use PayPal as always . I was one of 25% that was told I would not be in Managed payments . .
03-25-2024 12:49 AM
@carlmarxx wrote:I recommend you go auctionbites.com and look up Ebay's meeting with Goldman Sak's 5th Ave bank meeting about Adyen Managed Payments Nov. 2019 with former Ceo. Devlyn Winick . They ask them if all sellers would be in Managed payments , he said No only 75 % of sellers in managed payments. . Then he was ask if ebay was going to be 100% merchant of record . Again He told them No. if you go through pages 22 to 25 and read it over it is a eye opener . Also on Page 24 Winick told VP of Goldman Sak's that 25% of it's members would still use PayPal as always . I was one of 25% that was told I would not be in Managed payments . .
So for 25% PayPal is the merchant of record, and for the other 75% Adyen is the merchant of record on eBay.
And if you're not in Managed Payments, you can't sell on eBay.
03-25-2024 10:35 AM
The Devlyn Winick said 25% of sellers would be able to sell on Ebay and take paypal payment's as before . because Adyen refused to process the payments those 25% where dealers in do to EU regulations and laws . Because I was in that 25% that has never been in Managed payments , and in May 2021 ebay removed the category's I was a dealer in which in total ebay removed about 20 category's. I quit selling then . also in Feb.2022 ebay removed 4 more categories . I read last year they removed 1 more.
04-14-2024 09:52 AM
Hi, I have a similar issue in the UK. I'm having a bit of a run around with Ebay.
First, they advised that I must speak to Paypal who was the "financial institution" and then they accepted that Seller Protection does not protect sellers against chargeback fraud.
If anyone sells anything at all on ebay ever, then several months later ebay can just take the money back from your bank. In the UKebay charge an additional £14 as well. There is nothing you can do about it. In my case, they said the item was reported as "not as described" four months after the sale by a buyer with a new account and rating of zero, but there were no additional details at all.
The forums have literally thousands of victims of this "chargeback fraud" but Data protection rules mean that there is no way to get any information at all.
04-14-2024 10:06 AM
I disagree, I have a merchants account and in any charge back you can open a dispute. eBay FAILS to dispute because that will cost them time. I had a few charge backs from scammers, I disputed and won all of them.
04-14-2024 10:09 AM
Any charge back can be disputed, eBay choice of let the buyers institution decide is ill. I am sure if was ebay's money they would dispute
04-14-2024 10:12 AM
@global_military_surplus wrote:Any charge back can be disputed, eBay choice of let the buyers institution decide is ill. I am sure if was ebay's money they would dispute
LOL WHAT? 'eBay choice of let the buyers institution decide'.
That isn't eBay's choice, that's what eBay has to allow in order to accept Visa, Mastercard, Paypal etc.
04-14-2024 10:57 AM
The Fair Credit Billing Act which was enacted in 1974 governs the rights for a consumer to file a dispute thru their financial institution when they have a dispute with the merchant.
There is nothing eBay can do if the financial institution rules in favor of the buyer other than refund the money.
04-14-2024 11:01 AM
@global_military_surplus wrote:I disagree, I have a merchants account and in any charge back you can open a dispute. eBay FAILS to dispute because that will cost them time. I had a few charge backs from scammers, I disputed and won all of them.
Where else do you sell that you have a Merchant Account? Do you have a B&M?
I only have experience with Chargeback Disputes on Ebay and PayPal before that. If you want to dispute a Chargeback that gets filed against you, there is no need to "open a dispute", that has already been done when you were notified that there was a Chargeback.
Now you can respond to a Chargeback and defend your position by submitting evidence for consideration by the financial institute.
Since you have a Merchant Account, then you should know, Ebay has ZERO to do with a Chargeback. They can't make any ruling at all. By LAW it is all on the financial institute to make the decision and they have large range of options. Far to often they rule to allow the buyer to keep the item and get a full refund too. That will continue to happen until we can get the laws changes that govern this process.
Now sometimes Ebay will cover the seller under Seller Protection. Which means Ebay pays the financial institute for you and you get to keep your money. But that is about the extent Ebay can do in covering a Chargeback.
I too have had good luck so far winning Chargebacks over the years. I am proactive and I submit all the evidence I can lay my hands on to prove the buyer wrong. It can work.
04-14-2024 11:03 AM
@global_military_surplus wrote:Any charge back can be disputed, eBay choice of let the buyers institution decide is ill. I am sure if was ebay's money they would dispute
Blanket statements are rarely correct. There are always exceptions.
Ebay has absolutely zero authority to make any kind of choice for the buyer's financial institute.
04-14-2024 03:08 PM
I will not believe. That they have to do it this way. it’s more convenient this way.
now I won’t put the big items up.
250$ and less.
eventually I will cut the cord here
no safety. Means less selling.
The lack of seller protection is one reason I have never listed high value or high target items although these days anything seems game. EBay could, and possibly does, monitor buyers chargebacks but the effort is probably limited since they really have nothing to loose, other than sellers. It would/does cost eBay time and effort to do anything and those costs eat into the bottom line.
While eBay may not do much the CC companies do for sure. Chargebacks cost them time and resources to address and that eats into their bottom line. CC companies can, and do, revoke a cardholders privileges to open chargebacks, they may even suspend their account if it appears habitual.
The same applies to businesses that have too many chargebacks opened against them. The CC company may suspend the merchant from being able to accept their card as a form of payment.
04-14-2024 03:39 PM - edited 04-14-2024 03:40 PM
If a business with a merchant account gets too many chargebacks from their customers their fees they pay for payment processing goes up. If that doesn't work the business will get suspended.
04-14-2024 04:13 PM - edited 04-15-2024 04:30 AM
@global_military_surplus wrote:
@digby! wrote:In my case, they said the item was reported as "not as described" four months after the sale by a buyer with a new account and rating of zero, but there were no additional details at all.
The forums have literally thousands of victims of this "chargeback fraud" but Data protection rules mean that there is no way to get any information at all.
I disagree, I have a merchants account and in any charge back you can [dispute it]. eBay FAILS to dispute because that will cost them time. I had a few charge backs from scammers, I disputed and won all of them.
That's because you have a merchant's account @global_military_surplus and
-- you're the Merchant of Record, same tier as
-- PayPal the Merchant of Record, and
-- Adyen the Merchant of Record
directly FACING the issuer:
eBay has no contact with the card issuer @digby! because
-- eBay is a sub-account under PayPal, and a sub-account under Adyen.
So eBay is just a patsy/passthrough @global_military_surplus for the eBay seller
-- to pass messages and documents between the seller to-and-from PayPal or Adyen.
You are both correct and incorrect:
-- You disputed and won chargebacks as you're FACING the card issuer.
-- "eBay FAILS to dispute" and cannot because eBay is not FACING the card issuer.
Look at the chart: Only PayPal and Adyen are FACING the card issuer, to dispute a chargeback.
04-14-2024 04:43 PM
To resume, the only winners here are...the scammers and eBay