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Chargeback filed before Item even Delivered
Here’s a real Lu Lu of a chargeback. Buyer purchases item. We ship fast 1 day handling time. Item is right about to be delivered to recipient and we get a chargeback with buyer stating reason is they want to cancel the order. So we talk to the concierge and they say they had able time to cancel order so what’s up with this? I contact said buyer and ask also, what’s up with this? Zero feedback buyer. Absolutely disputed by me, and now funds on hold for probably several weeks. Cannot recall this item, It’s about to be delivered Priority Mail fast. Yeah I got seller protection. Just miffed over this stuff. They come out of the woodwork during the Holiday. Every season I get a least one Lu Lu.
kh-jean
·1 year agoHi everyone,
Due to the age of this thread, it has been closed to further replies. Please feel free to start a new thread HERE if you wish to continue to discuss this topic.
Thank you for understanding.
amwldcoin
·2 years agoYou guys do realize a fraudulent charge back which enables the buyer to also keep the item is against the law. I filed a police report against my buyer. Hopefully they will consider principals over monetary concerns.
yfz450toomeyracer6
·2 years agoRefuse the cancelled transaction. I don’t do returns for a reason. I’m not a conglomerate that can afford free returns or any returns period. Don’t let them control your business. I get good business with no returns accepted.
vintagecraze50
OP2 years agoSorry to tell you this but with a no return policy you are at a greater risk for a chargeback. You are basically telling the customer that you will not under any circumstance consider a return of merchandise which is the number one reason why people even the honest people initiate a chargeback. My suggestion. Do not even think about doing that here or anywhere else online.
amwldcoin
·2 years agoI just had a charge back. Customer received the item, Left nice feedback and Several weeks later filed a charge back for item not as described with absolutely no communication and will not respond to messages. Disputed the charge back, the weeks rolled by and bam, funds taken from me as the Credit Card ruled in the buyers favor. Buyer gets his money back and gets to keep a top 3rd party certified coin. This is theft BTW.
In my opinion eBay's seller protection is false advertising. No where does it say you are not covered if you follow the guidelines and the banks rule against eBay. Could some one point me to where it states this?
vintagecraze50
OP2 years agoIt’s just a shame that people can jump to a credit card rather than first contact the merchant for resolution of any issue. Actually that IS the proper way to do it and most people go that route because they are NOT criminals. Criminals, on the other hand use the chargeback and not contacting the merchant to OUTRIGHT STEAL. It’s the state of the way credit card laws work allowing every customer as well as seasoned crooks to use them as they wish.
amwldcoin
·2 years agoThis is exactly what seller protection is supposed to cover according to eBay's terms and conditions. I called eBay 2 hours after I received the Charge Back notice. I was told it was cut and dry eBay seller Protection would cover it because the buyer did not go through eBay!
vintagecraze50
OP2 years agoYes, that is how they protect you, and they do. In my case, I had no intentions of waiting and possibly card company grant their chargeback, have Ebay reinburse me and MAKE THE scammer happy because they got an over 200 buck item for free. Was not gonna happen for this scammer.
vintagecraze50
OP2 years agoIn my situation, this was a crook that was discovered by ebay with a warning posted to me that this crook’s account was cancelled here on ebay. This person also contacted me on another account they had after they filed the chargeback to further “assure†me, yeah right, that they would pay for this item after it was delivered to them by cancelling the chargeback which was EXTREMELY dumb of them. I recalled the package promptly after this. This was a chargeback that happened even before the item was delivered to them. That’s why I called it a real LU LU.
vintagecraze50
OP2 years agoUpdate: Item is in package intercept with USPS. This being a rather high value item worth it to intercept and prevent these scamming customers from getting rewarded for their bad behavior an attempted theft using a credit card. Of course the payment institution wont rule on this for weeks and weeks so until this gets back to us the scammer can wait for eternity for their refund. This person was using multiple accounts to scam ebay sellers on here. A practice that these people use to steal merchandise. Happens all over online not just here.
wastingtime101
·2 years agoThat may cost you seller protections with eBay.
vintagecraze50
OP2 years agoNo kidding. I know that. I do not want this customer to win a free item. I am beyond disgusted with this when people do this stuff and they are not going to get a free item from me regardless of what ebay does for me. And if they do not reimburse me I might even call and get that settled as this transaction should have never happened with this scamming customer.
vintagecraze50
OP2 years agoI have to add that recalling the package might help even more since I have a legitimate thief here and if they receive it they are going to start a return with whatever reason they select to send me back nothing.
vintagecraze50
OP2 years agoBut maybe they cannot because the account this item was purchased on it closed by Ebay.
wastingtime101
·2 years agoIt's not possible for them to file a return request. Once a chargeback is filed the buyer has lost all ability to resolve through eBay.
vintagecraze50
OP2 years agoGood news!
tobaccocardyahoo
·2 years agoThe Credit Card Networks rules about payment disputes are longer and more complex than most people know because few read the documentation for merchants and banks.
There is wide variation in how banks decide disputes, in part because there is little enforcement of the rules.
Some banks will always rule for the card holder, their customer. Others will attempt to be fair, and even force the cardholder to return merchandise before winning the dispute.
Some banks will rule for the merchant but not return the payment to him for months.
Few businesses which have enough chargebacks to see the variations stay in business.
I have had enough conversations with the processors who handle merchant accounts to hear some far greater lu lus.
This story has a finite but real chance of being an overly protective buyer who did not recognize a sale. Not probable but possible.
Many banks will open a chargeback dispute, when a cardholder requests more information on a transaction, others simple make a retrieval request.
Merchants are the low man on the totem pole. Forced to underwrite fraud, unpaid tax collectors and general peons.
vintagecraze50
OP2 years agoUpdate number 2: Today buyers original account closed by ebay. Fraudulent buyer. This fraudulent buyer messaged me back on another account because the first one got closed. Scammer trying to get free merch. Seller protection should kick in on this one if card makes wrong decision.
vintagecraze50
OP2 years agoSO HERE’S and update on this situation. The buyer messages me back and says. We thought we bought this from a fraudulent website and that is why they did the chargeback. Then say when it arrives and its ok then they are ok with it. So what’s happened here at least I think is that they bought it, thought to themselves that they were going to get ripped off. Mind you, I have a store full of this stuff with almost 4 thousand positive feedbacks, and a 15 plus year history of selling this stuff. So we go from there with this.
vintagecraze50
OP2 years agoGoes to show you how some people do not trust buying on ebay and me inparticular. LOL!
vintagecraze50
OP2 years agoSee update on this post. Just a scammer trying to get free merchandise with a credit card. Hard to stop them from doing this with current credit card laws.
reallynicestamps
·2 years agohttps://www.youtube.com/watch?v=-_5eXN6bkyg
12345jamesstamps
·2 years agoSo cool. I love it!
reallynicestamps
·2 years agoIf they refuse the shipment, you won't have to refund anything at all.
https://www.ebay.com/help/policies/ebay-money-back-guarantee-policy/ebay-money-back-guarantee-policy?id=4210#specialcoverage-inr
Now you probably should be refunding the cost of the item, but not necessarily your shipping costs, packaging costs, any random fees, etc. EBay will take care of the sales taxes the buyer paid.
inhawaii
·2 years agoIt would really be sad of the credit card company grants this chargeback instead if simply telling the customer, the item has already been shipped. When you receive it, return if for a refund.
12345jamesstamps
·2 years agoJust a note: "its called a " dispute " online with a banking resource...of a credit card or debit card.
I think we sellers call it a chargeback which I do not believe you will see that word in your banking online.
toomuchstuffagain35
·2 years agoWe know. It's called a chargeback here to denote a "not ebay" dispute.
dbfolks166mt
·2 years agoJust a note: "its called a " dispute " online with a banking resource...of a credit card or debit card.
I think we sellers call it a chargeback which I do not believe you will see that word in your banking online.
It's a combination. It's a dispute of the charge the chargeback is the process by which it is handled and the charges are processed and decided.
https://www.mastercard.us/content/dam/mccom/en-us/documents/rules/chargeback-guide.pdf
sextons-sweet-deals
·2 years agoExactly!
Not sure the O.P. is being open & honest.
Right now, they have no active listings and feedback is not even visible from my end. Let alone, they answer their own post as 'best answer'.
It would seem the buyer would have to open a case and the seller can easily respond with sale date, ship date, tracking number, and provide tracking details / time line.
A buyer with zero feedback! I would easily review profile, Google map, and entertain shipping with signature required.
vintagecraze50
OP2 years agoI do not post on here with y selling ID to avoid unwanted people on my selling account and buying merch. Yes I am legit and yes this is happening. I just recalled our package using USPS website and hopefully they can intercept and get this EXPENSIVE item back to us.
toomuchstuffagain35
·2 years agoWhich is the way it SHOULD be handled.
lakefor94
·2 years agoWay back when, I dated a girl named Lulu. She was quite the dish. Whistle whistle.
Sounds like a slam dunk win, though this is the first time I have heard, "I want to cancel the order" as the reason for the chargeback. Best of luck.
toomuchstuffagain35
·2 years agoI don't even see how wanting to cancel would be a reason a bank would accept for a chargeback, but in these days...
12345jamesstamps
·2 years agoIts a dispute of a charge...not really a "chargeback"...Go into your banking online....and it's saids "file a dispute"....so the word chargeback is not really a word that is used...the word is "dispute a charge".
vintagecraze50
OP2 years agoI do not know anywhere online you can auto do an immediate chargeback after the item has been shipped and not been delivered yet, and after the time window to cancel the order. I purchase on Amazon etc anywhere and there is a HALT ON THIS KIND OF STUFF if item is in transit. If this does not get resolved properly we may post this on EBay’s facebook page for resolution.
vintagecraze50
OP2 years agoCan you imagine the magnitude of this type of situation for online sellers if numerous customers buy items then do a chargeback after the cancel transaction window and then hold up the merchants funds for the product they shipped if this is a rampant practice?
vintagecraze50
OP2 years agoI really wish to God Ebay could somehow halt these types of chargebacks with their system showing this item is in transit etc. It’s just aggravating that people just jump to these credit cards like a loaded gun thinking they can steal with them. If this is what this buyer is trying to do. The other reason I suspected was that after they ordered it they decided they did not want it and then just jumped to the card instead of contacting us. Yeah blame the card companies. They stink.
dbfolks166mt
·2 years agoI really wish to God Ebay could somehow halt these types of chargebacks with their system showing this item is in transit etc. It’s just aggravating that people just jump to these credit cards like a loaded gun thinking they can steal with them. If this is what this buyer is trying to do. The other reason I suspected was that after they ordered it they decided they did not want it and then just jumped to the card instead of contacting us. Yeah blame the card companies. They stink.
Blame the Federal Government and the current laws that are on the books. The CC companies are just doing what they have to do based on the existing laws which are almost 50 years old and should have been revised long ago in the wake of the ecommerce explosion.
retro_entertainment_collectibles
·2 years agoThis is spot on. The fact is banks make money coming and going and the consumer is the "driver" of it with bank cards.
So, when CVC codes came to be, those three numbers on back of bankcards that was towards protection. Made little sense to us and our merchant processor was Wells Fargo. My Ex being politician and ever so dynamic and smart a person managed get a Rep and yackin' it up got told, "Ever have issues call me." Cool beans. She could charm the skin off a snake and then force em' to eat it if need be LOL. Anyways, we sorta over time got that ability up Wells Fargo's ladder somewhat.
So this CVC code stuff do nuthin' protect anyone if someone has stolen card in hand right?
So she comes up w/ a mechanism and has me program (code up!) a simulator to present to Wells, Visa/MC. Basically speaking just an "Authorized handshake." So, if Joe/sephine Q. Public order online that can go to their bank, ATM, online bank login and consumate the transaction. This afford banks and businesses a MUCH greater level of protection against stolen card fraud, misplaced cards, Junior or Juniorette' using Dad's card when not supposed to on and on. Additionally we put in several fields so the actual buyer and BANK know exactly what was to ship and TERMS.
So you login to your bank, go there, ATM whatall to authorize the charge and you agree to what product says it is, photos and TERMS click Agree and away we go. Now there stands a REAL Record between sellers and consumers. No, not a "Perfect" mechanism albeit could be expanded in some ways but far far far better than what existed and still does!
Well we present it and you'd think sellin' snow to Eskimo's. Reason, well, likely again they make money coming and going no matter the circumstances. Such a mechanism quite bold and preventative and that means, not make as much money and going.
I mean now that we really think about it, this might be something Adyen and eBay perhaps could do. Buyer and seller agree to some terms of sale that require that "Legal handshake" per se. Contract. Again not perfect by any means but can be further refined.
For example, when I was partner in a game store that went under with pre-owned game systems purchased we'd a warranty of 30 days. Every system had these "Sticky seals" on them, cant tamper with em without causing a noticeable disaster. Buyers signed off on the systems piece of paper, put a unique printed serial number inside em' etc. Whilst didn't happen often, perhaps three or four times that was used to defend against chargeback successfully.
This TOO could be deployed by eBay in a way. For example, sellers who care want more protection against iNAD would purchase "Stickers" that affix to product identifying it. Along with the above mechanism of agreeable terms the two prevent a whole lot of iNAD in a refined system. Refining it surely need be discussed as devils in the details.
Once again I would also point towards a more refined ratings/transactional history system for both sellers and buyers.
vintagecraze50
OP2 years agoRetro. Mercari does something like this. They ask the buyer to confirm and accept the product. It is a potentially very good deterrent to be used in a credit card chargeback case . There is documentation that the card holder confirmed receipt of item and acceptance of item.
vintagecraze50
OP2 years agoThe issue with the Mercari way of having buyer confirm receipt and satisfaction with item does slow the payouts to the seller but it would be much better for protection.
vintagecraze50
OP2 years agoThere needs to be a huge lobby created by merchants appealing to congress. Why this has not happened yet is beyond me when you think of all the merchants loosing millions of dollars because of this every year. At the VERY LEAST, the laws should state that NO chargeback can be initiated without trying to resolve the issue first with the merchant. Then, however you still will get the crooks who send back the wrong item or nothing in a return. But with that here you can deduct 50 percent off the return money. Then let em fight that.
retro_entertainment_collectibles
·2 years agoBILLIONS of dollars, 48 Billion this year according to the big retailers online.
There needs be changes.
First secondary purchase validation through the consumers online bank account validating the purchase. That gets rid of "My card was stolen." We presented this 20 years ago in a simulation I coded to Visa/MS Risk services. Sellin' snow to Eskimos as they make money coming and going.
Second: The franchises need track things better. Those habitual chargeback folks if claim found to be false, they pay all fee's (minimum $50). Habitual issues, habitual returns loose the ability to order online and the franchises in case of credit card can call in full balances due immediately.
Those two curtail a whole lot of what goes on. Not perfect, dont think there can be a perfect.
vintagecraze50
OP2 years agoYeah Retro I heard on the radio yesterday it was something like 90 billion in losses for merchants in retail theft in general not just chargebacks but whoa! What a loss.
tricitypc
·1 year agowith face recognition software out there from space satellites black list scammers from making a ebay account again. I know for a fact ebay, facebook, amazon etc.. have the ability to ban you they will us this technology in secret and there's no way around it been going on for some years now
12345jamesstamps
·2 years agoCredit card chargeback....usually wins...kiss that seller money good-bye. And if you do an appeal...that will cost you another $20....so be careful.
I had another "canceled a sale for your security" this month...issue with the buyer's account...took 10 days for eBay to get it to me in an email after sent out the first day..LOL
Tis the Season...ho ho no
vintagecraze50
OP2 years agoOh no way jay. That does not happen with me most of the time. We get the seller protection if the LU LU chargecard people goof this up.
12345jamesstamps
·2 years agoIf its an International Sale with EIS the seller will not be charged.
It depends how the chargeback was done. If online....on the buyer's computer with their banking resource and they have an excellent standing with that bank and money...you never know jay.
slippinjimmy
·2 years agoCredit card chargebacks are VERY winnable except for Not As Described cases (which don't have any real Seller Protection anyway).
FYI according to the OP this is NOT a cancelled by eBay situation but rather just a buyer changed their mind.
@vintagecraze50I suggest you wait until it's scanned as delivered (or refused), sounds like that will be today or tomorrow. Once it is scanned as delivered you can win this chargeback.
vintagecraze50
OP2 years agoYes sir, that is what should happen for sure.
12345jamesstamps
·2 years agoIf you do the credit card chargeback online with your banking institution....which your bank doesn't really ask a whole lot of questions while doing it online....other than doing a dispute "online nowadays"...all you have to do is type " I don't recognize the charge"....I wonder who will win? I have had a few chargebacks and not going to get charged for another $20. charge to try to fight it after I lost twice before. How many chargebacks have you had lately?