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.
04-14-2024 04:48 PM
So, who has the authority then? that way people just can go at spree paying with CC and open a claim weeks later, looks like a perfect loop hole for scammers
04-14-2024 04:55 PM
@global_military_surplus wrote:So, who has the authority then? that way people just can go at spree paying with CC and open a claim weeks later, looks like a perfect loop hole for scammers
To resume, the only winners here are...the scammers and eBay
Unfortunately, that's correct:
-- When eBay inserted its Managed Payments LAYER between PayPal and the seller
-- that raised scams and fraud to the next order of magnitude, where the seller is further deprived of control.
04-14-2024 05:01 PM
@mam98031 wrote:
@theteamsetguy wrote:
My business and personal Amex cards are 180 days.
That doesn't surprise me about AMEX as it is one of the, if not the most expensive cards for merchants to process.
And most times the slowest to release the payments.
04-14-2024 05:06 PM
@kako_5344 wrote:
@refbrand wrote:Wait a second unless I'm missing a post you never said what the dispute with the FI was for. Was it an item not recieved claim? Or item not as described claim? Or not my purchase?
Yup, the original post, number 1. Did you read it?
Nope, there's nothing there saying why the charge back was started.
04-14-2024 05:50 PM
@theteamsetguy wrote:
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.
That makes sense for small websites or B&M's. It is likely not to apply to sites as big as Ebay and Amazon. The CCCs make good money from their customers using these sites despite the chargebacks.
04-14-2024 05:51 PM - edited 04-14-2024 08:00 PM
@kensgiftshop wrote:
@kako_5344 wrote:
@refbrand wrote:Wait a second unless I'm missing a post you never said what the dispute with the FI was for. Was it an item not recieved claim? Or item not as described claim? Or not my purchase?
Yup, the original post, number 1. Did you read it?
Nope, there's nothing there saying why the charge back was started.
Was it an item not recieved claim? Or item not as described claim? Or not my purchase?
Was it not my purchase?
- Reading the original post reveals it's not a not my purchase claim.
Was it an item not recieved claim?
- Reading the original post reveals it's not an item not recieved claim.
Was it item not as described claim?
- Reading the original post reveals what the dispute with the FI was for.
04-14-2024 06:10 PM
Not on Ebay. Ebay is the Merchant of Record for all Ebay sellers.
A money processor has to be the Merchant of Record to be able to process the payment.
eBay is the merchant of record (MoR) for an eBay sale because it processes payments for the sale. The MoR is the entity that is legally responsible for processing customer payments for goods or services. In the case of eBay sales, this includes payments from PayPal that are funded by a debit or credit card.
I'm unsure where you are getting your information. Ebay does have contracts with CCCs. Ebay has been the Money Processor, not PayPal from the moment a seller entered the Managed Payment Program starting in the summer of 2020.
I'm unsure why you think things work so differently for PayPal. Paypal is NOT a bank. They are a Money Processor like Ebay. They have a bank that supports their transactions.
"eBay FAILS to dispute" and cannot because eBay is not FACING the card issuer" This is also incorrect. Ebay nor any other Money Processor has control over the Chargeback process. It is all in the hands of the financial institutes per LAW. Now Ebay can make the Seller whole if they deem the seller should be covered under Seller Protection. But if the CCC gets a refund for their buyer, then that money would come from Ebay and not the seller in such a case.
04-14-2024 06:12 PM
@global_military_surplus wrote:So, who has the authority then? that way people just can go at spree paying with CC and open a claim weeks later, looks like a perfect loop hole for scammers
As I've repeatedly said it is the CCCs that control this process by LAW. I'm confident Ebay may want to do it for better results for their sellers, but the fact is they can't. I'm not defending this process I'm just telling you what it is. Google it and find out for yourself. The information is on the internet. Just go and take a peek.
04-14-2024 06:14 PM
@sdneped wrote:
@global_military_surplus wrote:So, who has the authority then? that way people just can go at spree paying with CC and open a claim weeks later, looks like a perfect loop hole for scammers
To resume, the only winners here are...the scammers and eBay
Unfortunately, that's correct:
-- When eBay inserted its Managed Payments LAYER between PayPal and the seller
-- that raised scams and fraud to the next order of magnitude, where the seller is further deprived of control.
Paypal is NOT between Ebay and the seller. They haven't been since sellers began using the Managed Payments program and Ebay became their money processor.
These chargebacks happened when PayPal was our money processor too. So unsure where you are getting your information that they have now increase because Ebay is our money processor now.
I'm not saying Chargebacks have not increased, I simply don't know what those number are, but if they have been on the rise it is far more likely because there are more thieves out there than there was before, not because Ebay did anything.
04-14-2024 06:15 PM
@kensgiftshop wrote:
@mam98031 wrote:
@theteamsetguy wrote:
My business and personal Amex cards are 180 days.
That doesn't surprise me about AMEX as it is one of the, if not the most expensive cards for merchants to process.
And most times the slowest to release the payments.
Yes that too.
04-14-2024 06:34 PM
04-14-2024 11:07 PM
@ma-647837 wrote:
@mam98031 wrote:-- When eBay inserted its Managed Payments LAYER between PayPal and the seller
Paypal is NOT between Ebay and the seller.
Reading is fundamental. From there, perhaps mind the spelling, work your way up, and stay on topic?
No need to toss insults. It simply isn't necessary. Sometimes it does take a bit of time for people to get use to change and this is likely just one of those times.
05-05-2024 02:06 PM
Hi there . I am sorry about your experience . I have a case if you like to open if there is none . This people have to stop scamming people getting Rick at the expense of someone else . There should be a class action against them . I can tell you my story . If you're interested and get together there are many in YouTube with different stories .
05-05-2024 03:24 PM
@mam98031 wrote:
@ma-647837 wrote:
@mam98031 wrote:-- When eBay inserted its Managed Payments LAYER between PayPal and the seller
Paypal is NOT between Ebay and the seller.
Reading is fundamental. From there, perhaps mind the spelling, work your way up, and stay on topic?
No need to toss insults. It simply isn't necessary. Sometimes it does take a bit of time for people to get use to change and this is likely just one of those times.
See where the reading failed?
05-05-2024 03:43 PM
What you said is true too point . But Know several sellers that deal in expensive goods ,have stated to me ,that they can't take the Losse's from buyer fraud and return abuse for so long before they can't afforded it and forced out of business.