Buyer files payment dispute. Why? What to do?
Books were mailed on time, yesterday. They are on the way to buyer. Today the buyer files a payment dispute. I don't really understand the dispute. Says buyer does not recognize transaction. What should I do? Select challenge the dispute, I assume? Thanks.
22 comments
dolcetreasures
·11 months agoYou are covered for the dispute regardless of what anyone above says. No matter the outcome, eBay will cover you in this case.
slippinjimmy
·11 months ago@rossco.az
Partially correct, you have to have tracking which shows delivery, if you do then it's a slam dunk win for a Do Not Recognize payment dispute.
This is identical protection that PayPal offered for what they called Unauthorized Use claims.
Do not pay any attention to the people saying you can't win and/or you would have to pay a $20 penalty, that would only happen if you have no tracking.
If the package has not been scanned as delivered yet try to wait right up to the deadline and hope that delivery has been made.
1786davycrockett
·11 months ago@dolcetreasures
"You are covered for the dispute regardless of what anyone above says. No matter the outcome, eBay will cover you in this case."
But the buyer has skipped the entire eBay dispute process, and has instead gone directly to a credit card dispute -- so there is no involvement from eBay, and eBay always defers to the credit card disputes in those situations -- so eBay will NOT "cover you in this case."
jonathanbrightlight
·11 months agoYes, eBay offers Seller Protections for exactly this situation:
https://www.ebay.com/help/policies/selling-policies/payment-dispute-seller-protections?id=5293#section2
12345jamesstamps
·11 months agoeBay steps aside and a dispute with a buyer's credit card is between a seller and the bank of the buyer.
'payment not recognize'...what if it is a stolen card...?
How does eBay cover a seller in this case? Just curious.
dolcetreasures
·11 months agoThe seller is covered for chargebacks when the dispute is:
Item not received.
Does not recognize transaction.
As slippinjimmy said, as long as the tracking shows delivery, the seller is covered in these instances. The chargeback outcome doesn’t matter as long as the seller shipped to the correct address on file and used a tracking service that shows “deliveredâ€.
rossco.az
OP11 months agoI filed a challenge. Hope they decide in my favor. I simply listed something for sale, sold it, mailed it on time to the address on Ebay. Everything as it should be. If this doesn't go in my favor, then any perfect transaction could go wrong. But no sense in thinking like that yet. I imagine it'll be okay in the end. Thanks to everyone who replies with info and advice. Much appreciated.
12345jamesstamps
·11 months agoA seller responds to the dispute...usually writing something and uploading photo(s).
My 3rd dispute with a buyer's credit card I wrote a 1000+ response(LOL) and uploaded a photo(Barbie & Ken Christmas scene). My 1000+ response was very businesslike but not the photo unloaded.
And this dispute had no tracking by the way.
Sounds like you did something already.
So, the bank reads your response where eBay steps aside and only gives you the outcome.
Funds are either given to buyer or returned to you.
There is no appeal...
I lost my first 2 disputes not knowing what disputes were.
I learned about disputes here long ago.
Just block the seller and let it go...I think my very first dispute I did nothing...LOL
12345jamesstamps
·11 months agoThis is what you will see in an email:
68barbie
·11 months agoThis happened to me last week- doll sold on Saturday, I dropped it at the PO on Sunday and they filed a payment dispute on Wednesday. Unlike prior "payment not recognized" claims, eBay said I had three days to challenge the dispute. I wondered if they were requiring proof since the item was still in transit vs. prior instances where the item had already been received. I took a screenshot of the order details page showing the buyer's address and even their message that asked if I could condense my packaging, a screenshot of the shipping label that showed the same address as the one on the order details page and a third screenshot with the tracking that showed it was still in transit. I uploaded these to eBay and fretted the outcome. The doll was delivered last Saturday and shortly after the tracking updated I had a message from eBay that said I was protected from the dispute. "Payment not recognized" claims are an easy win for the seller as long as they shipped to the address in the order, it's the dreaded "item not as described" chargeback that's very difficult to overcome.
-C
1786davycrockett
·11 months ago@rossco.az
But, if you lose, not only will you NOT have your books returned, but you will be obliged to refund the buyer, as well as eating a $20.00 dispute fee.
So your $22.95 sale will now amount to a $65.90 loss -- $22.95 sale + $22.95 value of items + $20.00 credit card dispute fee -- (plus lost eBay selling fees, as well).
Keep us posted. . ..
powell-collectibles
·11 months agoIf the transaction price was significant, I'd consider a package intercept, assuming you shipped through USPS. It costs $18, and you are charged only if the intercept is successful.
1786davycrockett
·11 months ago@powell-collectibles
If I'm reading the OP's "Completed sales" correctly, it appears to be 12 of the "GUNSMITH" adult western novels, totaling $22.95.
Probably not worth the trouble to do an $18.00 USPS stop.
But @rossco.az can deduct it as a loss (or theft) on their 2025 taxes.
rossco.az
OP11 months agoThat is amount is correct. Thanks.
bonjourami
·11 months agoYes, looked at the books that were sold too, not worth doing a recall.
tobaccocardyahoo
·11 months agoIME I have never experienced an intercept that happened.
And a tax deduction is not of adequate value in the case of any loss unless you are a billionaire, and usually not even then.
It is not like it was a tax credit for the full amount of the purchase.
If the buyer was within traveling distance for my pal, Vito, I might consider having him pay the buyer a visit. Vito is very good at collections.
1786davycrockett
·11 months ago@tobaccocardyahoo
"And a tax deduction is not of adequate value in the case of any loss unless you are a billionaire, and usually not even then."
The OP can subtract the loss on the IRS Schedule C.
Every penny counts.
dryophelia
·11 months agoEven at this price point I would do it for spite.
1786davycrockett
·11 months ago@rossco.az
Doesn't it seem just a little odd, that the buyer would file a credit card dispute, only ONE DAY after those books were shipped?!?
You should definitely contact the buyer to find out the nature of the problem!
bonjourami
·11 months agoIf you do dispute it, prepare to pay the $20 fee that is charged, and if you lose the dispute, you will receive a defect and the buyer will be refunded and keep your books. Sorry, I know thats completely unfair, but thats the way it is today. good luck.
marnotom!
·11 months agoAn "unrecognized transaction" is one where the holder of the credit card account does not recognize the charge that is on their bill or list of transactions. It could be that whoever made the purchase is not the person who holds the credit card account.
Yes, you should challenge the dispute, but bear in mind that you require proof of delivery to the address in the transaction details in order to be protected. Depending on how long it takes to deliver the item, you may not have this proof at the time, in which case you may need to appeal the outcome of the dispute should you not initially prevail. Make sure you note in your response to the dispute that the item was shipped to the address on the transaction details page but has an estimated delivery date of whatever it is.
bonjourami
·11 months ago" Depending on how long it takes to deliver the item, you may not have this proof at the time, in which case you may need to appeal the outcome of the dispute should you not initially prevail"
There is no appeal with a cc dispute, as Ebay steps completely out of the picture.