Collections for an old account
eBay just sent me to collections for a sale made in 2021 that said no returns BY EBAY. A food item that I just now know that the customer said he sent back to me because it was not as described… a Juice box that was exactly as described ðŸ˜. I sold hundreds of them and never got any returns. What can I do besides paying the collection agency? I know 100% I’m not on the wrong and that I was just robbed out of my product and money.
15 comments
downunder-61
·3 years ago@siadv90
I'll ask - exactly how much is this debt?
siadv90
OP3 years agoIt’s 91 USD
albertabrightalberta
·3 years agoI'd pay it. It's an inexpensive price to pay for an education and you know you sold the item and had the claim so clearly, it's a legit charge.
Just because you sold a lot of other juice boxes and didn't have a claim from other buyers doesn't mean that the buyer who filed NAD was wrong.
harafkac0
·3 years agoEbay isn't very nice in these regards.
I'm not sure if you're concerned with your ability to sell on ebay, however I do believe ebay will take those privileges away. I'm not sure if anyone in your household would even be able to sell, that includes family members and such, should you chose to let this go then it is possible your family's ability to sell here could be impacted for life and at some point it may be too late to do anything about it (like paying it off, say 20 years from now, if that collection agency no longer exists or has no record of it but ebay still has your account as delinquent).
gamersbaystore
·3 years agoNot true. I owed ebay money for years at a time and they never banned me from selling. Twice I owed ebay hundreds of dollars for years at a time, both times they let me come right back and sell again after paying the bill.
harafkac0
·3 years agoGood to know.
anasazirose
·3 years agoIF it were me, I would see if it's on my credit report. If it's still in collections, it may not be YET. If it's still 'only' in collections, and if the letter is from a collection company, I would respond to the letter asking for PROOF that you owe the debt. PERIOD. Wait for the proof. Then IF the letter is from a collections company, dispute the amount, based on why you DO NOT owe the money.
Keep in mind that book clubs, music clubs, magazine companies, all send out collection letters, and in some cases, they SELL the debt. These cases don't end up on credit histories. If the amount is on your credit report, you have the right to have your statement of dispute published on your credit.
If it is a small enough amount, you may choose to pay it it just to avoid the above. If you wish to buy or sell on ebay using that account, you will most likely need to pay it.
If the letter is from ebay, and you wish to use that account, just pay it.
Interesting tidbit....and not even remotely related to this thread except for the word 'collection': Derogatory items on your credit report must be removed after 7 years. In the early 2000's, someone I know had a bank raise her interest rateon her credit card from 5% to 24.9% after her account was sold to a different bank. She carried a high balance because of the initial low rate. Once the rate went up, her interest alone each month was what her entire payment had been. She eventually defaulted, so late fees and interest added up and up and up. The account was sold to a collection agency and listed on her credit report as a charge off. The collection agency offered her a payment plan. She almost accepted. The payments were going to take 10 years to pay off the debt and if she was late or defaulted again, it would go back on her credit report and the 7 year clock would restart. So, faced with 7 years of no more credit or the ability to run up debt, OR 10 years of making payments on what should have been an illegal scam, or scheme by the banking industry, and the risk of paying for a few years, then not being able to pay, and THEN the 7 years starting, she chose the 7 years right off the bat, and saved 10K, about half of which was the actual principal. Keep in mind, though, charge off amounts are taxable. (Which is how I learned of her story, when I volunteered at the library to help people with their taxes.)
m60driver
·3 years agoThe only way that this would happen is that the buyer's return was approved by Ebay and you did not refund and there was no money left in your account to cover Ebay's expense in making the customer whole. So now it was sent to collections. You can sometimes bargain with the collection agency as they pay pennies on the dollar buying the debt. Or you can not respond (never identify yourself on the phone to the collection agency) and take the small hit to your credit score but if you are in the market for a large purchase like a house then the hit to your credit score will cost you far more in the long run.
ms.rodriguez*
·3 years agoSeller are always responsible if a buyer is not happy. It does not matter if the seller was correct or not. It does not matter your feedback either or how long you have been here. To ebay, the buyer is always right. They got refunded now you need to repay ebay. You are ruining YOUR credit over a stupid fee. Pay the darn fee and clean up your credit score. If it got to collections, this "stain" has been on your account for months. It can impact you if you want to buy a car or get any type of loan. Who knows why you were not informed earlier before you got to collections. To check past emails is a waste of time. Just pay the bill write away and save your receipt as proof of payment if you have to send a money order. If you have to pay electronically, make sure that you save a copy of the transaction.
fashunu4eeuh
·3 years agoIf a buyer makes a Not As Described claim, eBay will back them nearly automatically, every time. If you disagreed with eBay’s decision, you needed to appeal it back in 2021. Now it is too late to do anything but get the debt paid. It has the power to drag down your credit standing.
One of the risks to selling on eBay is what you apparently experienced—the possibility of a fraudulent Not As Described case.
doc-holmes
·3 years agoYou're not really trying to find a way to fight a collection agency over a juice box, are you?
rugerskick
·3 years agoReverse your sentence. A collections agency wants to fight a seller over a juice box sold over 2 years ago?
Even more nuts.
mtgraves7984
·3 years agoWhat can I do besides paying the collection agency?
@siadv90
Nothing that will benefit you. Upward and onward and all...
dryophelia
·3 years ago@siadv90
If it has gone to collections, it’s having an impact on your credit.
If I were in your shoes, I would pay it.
stephenmorgan
·3 years agoSince 2021 did eBay ever send you a demand for payment?