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Why Am I Being Sent to Collections??
Hi everyone. I had some difficult issues with a buyer the beginning of the year. She falsely claimed to not have received an item and I won the appeal. The issue went back and forth and she eventually filed a chargeback. I filed a claim with my bank and they protected me from the chargeback. Fast forward to today, eBay has sent me a few emails regarding a balance I have to pay to Global Collections. I’ve ignored them as I know I did nothing wrong in this situation and I am a victim to fraud. I’ve just received a email that they will progress the situation and send it to a debt collector. At this point, I have no idea what there is left do. Is there any contact information or a routine process that I should go about? I’ve won every appeal and my bank has protected me but yet they want to send me to collections rather than the fraudulent buyer. Any advice or contact information would be extremely appreciated.
kh-light
·7 months agoHi everyone,
Due to the age of this thread, it has been closed to further replies. Please feel free to start a new thread if you wish to continue to discuss this topic.
Thank you for understanding.
kraftique
·1 year agoI never this before. Call them up and ask them what this means and why since you won the appeals.
the buyer may have filed a not received with their bank. If it was Global you should have had verification that it was delivered. If for some reason the item was not received ask the Postal service for GPS verification that is was delivered. If it was stolen from the buyers porch- mailbox-etc. You can't control that .
I would also talk to your bank about the situation about this collections.
After all these calls and nothing works if it is a small fee just pay it and walk away. Sometimes the frustration is not worth it.
us-mamic
·1 year agoI have a question, please answer. Theoretically, I don't care about my credit rating, can debt collectors put a ban on my purchased real estate, car, yacht, etc., for which I don't owe anything to anyone?
stephenmorgan
·1 year agoNot sure what you mean with "put a ban on"
Maybe you meant "put a lean on" your properties?
Theoretically it is possible, but for a eBay debt it is extremely unlikely that would happen. First they would have to sue you in court. Then they would need to win the lawsuit. If they win a judgement against you and you did not pay, then they would have to take you back to court for default. If the court allows leans against your property then they could put leans against your property. If you still did not pay within the time the court stated. then if the court allows they could be allowed to confiscate you properties.
Most likely you home and car would be ok with a lean on it If you never paid, but if you ever try to sell them the lean would have to be satisfied.
So theoretically it is possible but I would say it is very unlikely eBay or the debt collector would go to such lengths for such a small amount of money. You will probabley be fired from eBay and not allowed back until you settle the debt.
mam98031
·1 year agoNot sure what you mean by a "ban". But if your Credit rating is low, it can prevent you from getting a loan, a new credit card, Rent a home, buy a car, etc.
So if you don't have anything you need to purchase on credit or move to a different place, you'd likely be fine . But a good credit rating may not be important to you however it is for most of us.
farmalljr
·1 year agoCredit rating affect more than your ability to borrow. You realize things like your car insurance rates ALSO are effected by your credit, right?
Yes, a creditor can put a lean on your stuff, as well as garnish your wages or seize money you have in the bank, investment accounts and savings. When you owe someone money, if they are inclined, they are going to get paid back, and it will get infinitely more expensive for the debtor. Legal fees, court costs, and interest all add up.
albertabrightalberta
·1 year agoHere's my take. (And IMO, @vangons-0 is responsible for the NAD claim payout ebay made to the buyer's institution.)
This is what I think happened:
@farmalljr is correct about chargebacks in cases in which ebay finds in a buyer's favor, but I don't believe that the NAD claim was ever found in favor of the buyer. (I'm not even sure an official NAD was opened by the buyer through ebay.)
So if the NAD case either wasn't opened or wasn't closed in the seller's favor, the OP didn't win that case, thus isn't eligible for seller protection.
@vangons-0
Would you please post a screenshot of the NAD case you claim was found in your favor? (You needn't post the INR claim.)
inhawaii
·1 year agoI read your title only.
I am 99% sure that you are being taken to collections because you owe someone money. That's usually the case.
mam98031
·1 year agoWell as you have sadly found out ignoring a bill doesn't make it go away. The first time you got the bill, you should have investigated it and gotten to the bottom of the issue.
How much is the bill? You need to settle this as you know this will affect your credit score.
On each Ebay page there is a link to contact Customer Service at the top of the page and again at the bottom of the page.
I would suggest that you contact Ebay for Business on Facebook, Instagram or Twitter for the better trained CSRs.
Here are your options for contacting Ebay Customer Service. Please be aware that for social media CS, you send them a Private Message and briefly explain what your problem or issue is. Feel free to leave your Name, address, phone number and/or your email address in this message. It is private and secure and it may help to speed up the response for you.
https://twitter.com/askebay
https://www.facebook.com/ebay
https://www.instagram.com/ebayforsellers/
Your options will be on the left. If you use the link below you can only get to the Automated Assistant or Chat box type AGENT in the box and hit enter. You will then get more options. Not all options are available 24/7. It will depend on staffing available. So sometimes you can request a call back and sometimes you can't. Sometimes you have the Chat option available and other times it won't me. If it is important to you to use one of those options, just try back later.
If you use a cell phone or other mobile device, you may need to turn off your Spam filter so that Ebay can call you.
If you are a seller outside of the US or Canada, you will need to use the Chat Option.
https://www.ebay.com/help/eua?id=5275&mkevt=1&mkpid
https://www.ebay.com/help/home
stainlessenginecovers
·1 year agoStrangest thing I've ever heard of. Your 'bank' can't do a thing for you when a buyer does a Charge Back on ebay.
It's between you and the bank, even ebay is out and YOUR bank can't do anything for a 'Charge Back'.
Definitely sounds like you THINK your bank 'backed you' but if they could/did, there would NOT be any 'collections' going on in the first place.
Again, not 1 thing your bank can do for you on a Charge Back.
ittybitnot
·1 year agoYour 'bank' can't do a thing for you when a buyer does a Charge Back on ebay.
@stainlessenginecovers
It is my understanding here that eBay charged the OP for the chargeback. The OP filed a complaint against eBay for the chargeback and was reimbursed i.e. eBay's charge to the OP was reversed by the OP's bank.
Now it appears the OP won TWO eBay claims with this buyer. The first for INR, the second for NAD. When the buyer lost the eBay NAD claim, they filed a chargeback for NAD. When the chargeback is for a reason already won by the OP in an eBay claim, eBay is supposed to take the hit.
See this page for eligible scenarios and excluded transactions:
https://www.ebay.com/help/policies/selling-policies/payment-dispute-seller-protections?id=5293&st=3&pos=1&query=Payment%20dispute%20seller%20protections&intent=Payment%20dispute%20seller%20protection&lucenceai=lucenceai&docId=HELP1678
So unless the OP @vangons-0 simply didn't respond to the chargeback , or I am not understanding something else, I just don't get it.
vangons-0
OP1 year agoThank you so much. You’ve laid it out perfectly.
When I received the emails about the buyer filing a chargeback it had a link to dispute the charge. I tried to dispute it several times but because the case with ebay had already been closed, it kept sending me to an error page.
Any advice what to do now? After some research the only thing I’ve found a section on eBays website stating to send them a letter to dispute information potentially sent to a credit bureau. Is this the only option left?
ittybitnot
·1 year ago@vangons-0
If you can present this in a step by step fashion as outlined so there is a clear understanding of what happened step by step, you can contact eBay via one of their social media links. This leads to a better class, so to speak, of customer service unlike the foreign agents you get in a call back or chat. They are US based, and are experienced in handling unusual circumstances such as this. Use one of these:
https://www.facebook.com/eBay/ (use the blue message button)
OR direct message through one of these:
https://www.instagram.com/ebayforsellers/
https://x.com/askebay
Good luck, and let us know what you find out.
mam98031
·1 year agoAt the point of your post, I don't think the OP has said the reason for the Chargeback. I've asked. But unless I missed it, which is possible, the OP hasn't actually said.
The OP also said they filed an appeal directly with their Bank and won. Sellers can't do that with a Chargeback. It has to go through Ebay because we as sellers do not have the financial info of the buyer much less their payment source. So I'm unsure of what they are really trying to describe.
vangons-0
OP1 year agoWhen I go to the email regarding the payment dispute and charge back it simply says "The buyer's payment institution sided with the buyer" and nothing more. I also mentioned yesterday that when I tried to dispute the chargeback through eBay it didn't let me and sent me straight to an error page as the dispute had already been settled in my favor a month ago. I've been in contact with them relentlessly for months (I think this may be why some people are confused and thinking I haven't tried to fix this issue). On at least 4 different customer service calls, each agent said there was nothing they could do. On one call they even directed me to their manager. Each representative suggested that I file a claim with my bank. Of course there is no paper trail of this since it was all over the phone
mam98031
·1 year agoWhen I go to the email regarding the payment dispute and charge back it simply says "The buyer's payment institution sided with the buyer" and nothing more.
That would have been the final email on the Chargeback. I asked about the FIRST email you got from Ebay that notified you of the Chargeback Dispute. In that email it does state the reason the buyer opened the Dispute.
I also mentioned yesterday that when I tried to dispute the chargeback through eBay it didn't let me and sent me straight to an error page as the dispute had already been settled in my favor a month ago.
That is something you have to contact Ebay to do. There isn't an automatic way to accomplish this.
I've been in contact with them relentlessly for months (I think this may be why some people are confused and thinking I haven't tried to fix this issue).
No most were likely going by what you said which is that you were ignoring the bill. So we took you at your word that this was what you were doing.
On at least 4 different customer service calls, each agent said there was nothing they could do. On one call they even directed me to their manager. Each representative suggested that I file a claim with my bank. Of course there is no paper trail of this since it was all over the phone
As the list of ways to contact Ebay I gave you earlier. There are some ways of contacting them that are better than others. Facebook being among the best way to get to knowledgeable CSRs.
There should be a paper trail on what you filed with your bank. You should have received emails or something via snail mail to back up that you filed the dispute. And in doing this dispute of the money Ebay took from your account to pay this buyer is exactly why you are in this pickle.
stephenmorgan
·1 year agoDid you keep a screen shot of that error message? Did the error page actually say that you could not dispute the chargeback because it had already been settled in your favor a month ago or are you just assuming that is the reason for the error page?
You have a right to dispute the chargeback and if you did not dispute it then I am not sure eBay would have disputed it either.
If it was recently that you received the error message then you could attempt to open the page again and see if you get the same error. Unless you have a screen shot of the original error message, I do not think there is anything more you can do.
bdmh-enterprises
·1 year agoI get the idea they had their bank block eBay from taking the charge back money. Which would explain why it's in collection. Don't know how they would still have an account after that though..
kensgiftshop
·1 year ago@vangons-0
"I just got a email months later that the buyer payment institution has ruled in their favor…. and will retrieve the funds from my account"
Sounds like you lost the case with their credit card.
Ebay refunded the buyer, now you have to pay Ebay back.
vangons-0
OP1 year agoYes except I filed a claim afterwards which granted me the money back. This is why I’m so confused why I would still owe the fees if I was able to win the case
kensgiftshop
·1 year agoYou didn't win the case with the buyers credit card.
mam98031
·1 year agoSo is the bill you received only for selling fees? Or some other type of fee? How much is the bill for? How much was the transaction for?
farmalljr
·1 year agoI get what you are saying, but it's wrong in this case. Seller won both open cases and eBay is responsible if the buyer files a chargeback. Had the buyer just filed a chargeback, then that is different. Buyer filed and lost two cases, seller is protected. eBay is the one that has to pay.
animal-house-8
·1 year agoI suggest the Better Business Bureau they deal with ebay quite a bit.
farmalljr
·1 year agoEveryone says pay it anyway, or anything, OTHER than arbitration. eBay HAS an arbitration process. If you have saved/copied correspondences between you and eBay, and eBay sided with you in an appeal, eBay is the one who has to pay the chargeback. They sided with YOU, doesn't matter the buyer filed/won a chargeback, eBay contractually says they cover those types of chargebacks. Your only avenue is to file an arbitration case at this point.
I don't know why none of the sellers here ever suggest arbitration. It's the process sellers/buyers are supposed to use. In this case, it's a prime example of why they should. eBay is not following it's own posted rules and is trying to shove the costs off to the seller, when THEY are supposed to be responsible for the chargeback. You won the appeal, you are not supposed to be responsible.
mam98031
·1 year agoNot "everyone" is suggesting to the OP to just pay the bill. Speaking for myself only, I've been actively trying to get them to tell us more details about this issue along with how much is the bill. And I've been strongly recommending contacting Ebay to try and work this thing out. That doesn't seem to be what the OP wants to do. And of course that is their decision to make.
ittybitnot
·1 year agoShe falsely claimed to not have received an item and I won the appeal.
@vangons-0
What was the reason given for the chargeback? Was it different than "item not received" (INR)? If it was for INR, then you should have had some seller protection for a chargeback for the same reason as the eBay claim.
Take a look and let us know.
vangons-0
OP1 year agoYES!! The original claim was INR which I won. The second claim was Item not matching description which I also won. I had complete protection and had a good experience with ebay up until this. I’m assuming the buyer was unhappy with the decisions of the appeals and escalated it to their bank. Somehow their bank appealed their request for a chargeback, which is when I visited my bank and they protected me from this fraudulent claim. EBay has the history of the appeals and their customer service even assured me that this would not happen. At this point, I’m not sure where to go or who to reach out to since their customer service isn’t the best
luckythewinner
·1 year agoThe chargeback was made against the buyer's payment to eBay, not against your bank.
When eBay lost that chargeback and had to refund the buyer, under the terms of your user agreement with eBay, eBay tried to collect the amount from you and you managed to get your bank to block eBay from collecting.
albertabrightalberta
·1 year agoSee my comments within the post above.
mam98031
·1 year agoOne more piece of information needed. The email you got from Ebay notifying you of the Chargeback Dispute, it told you what the reason for the Chargeback was per the buyer. That reason for the Chargeback is an important piece of the puzzle. So what did they say?
lacemaker3
·1 year ago@mam98031
On April 10, in an earlier thread, OP said that the buyer's reason for the chargeback was "didn't match the description".
Apparently, the buyer had made two eBay disputes before this. I think the timing of these disputes might be important. Here is the timeline, as far as I can tell from OP's several previous posts.
mam98031
·1 year ago@lacemaker3
Thank you so much. That clears it up for me. I didn't know there was another thread. Very kind of you to recap all of that.
I'm back to the opinion I posted a few posts back. The OP went to their Bank and filed a dispute on an amount that Ebay pulled from their checking to cover the refund to the buyer and the bank pulled the money back.
That is why the OP owes Ebay all this money. It would be the $500 for the refund to the buyer and possibly the seller fees on that purchase and possibly the $20 Chargeback fee.
@vangons-0 This appears to be what happened to you. With the information that @lacemaker3 provided, it appears you do owe this money to Ebay.
ittybitnot
·1 year agoIf this is correct, then the seller did not actually win the NAD MBG case, which could explain why the seller did not have seller protection for the chargeback.
@lacemaker3
Thank you so much for your interpretation of events. For me it was a confusing mess. I am still uncertain then between the difference of "found in the seller's favor" and "winning" a case, or under what circumstances 'found in the seller's favor' doesn't count under the policy as published.
lacemaker3
·1 year ago@ittybitnot
That part about the eBay NAD dispute/return request is conjecture on my part. What I think we can know for sure, is that the seller did not have to refund the buyer as a result for the eBay NAD dispute/return request.
Of course, that is very unusual. About the only thing I can think of, where the seller does not have to give a refund for a NAD, is when the request is filed too late (more than 30 days after the delivery date, since there was a delivery scan).
If that is what happened, then the return request did not actually become an MBG NAD case. It was just a return request, and the seller was able to deny the request. The seller did not have to refund the buyer, so she interpreted that as "closed in the seller's favor", but actually it just closed when she denied it. If that's what happened, there never was an MBG NAD case in the first place, so there was nothing to "win".
One of the "gotchas" in the seller protection policies, is that there has to be an actual MBG case in order for the protections to kick in. If the buyer doesn't open a NAD MBG case (even if it's because they tried too late), then the seller doesn't get any seller protection for the NAD chargeback that followed.
kensgiftshop
·1 year agoThe buyer filed an INAD with their bank.
12345jamesstamps
·1 year agoIf you want to have an eBay account for buying and selling I would pay what you owe.
Otherwise, your account and any new account might be deleted.
And eBay doesn't forget about fees owed...this will be for years until it is paid.
And it will be on your credit reports(3) as well.
simba6
·1 year agoWhile I would not advise to just toss such a notice. I have received a number of them addressed to the former owner of the property. They are all just scare ware. They just send them in bulk hope to collect. I was receiving phone calls from an agency. Took a year but they too just go away in time.
It it's from eBay, they will close your account if you don't pay.
vangons-0
OP1 year agoI’m honestly not worried about them closing my account. Dealing with a fraudulent buyer can completely ruined my experience on ebay. I understand ignoring the notices isn’t the best course of action but ebay isn’t necessarily the best when it comes to contacting someone for help. I hope you’re right and that it is scare ware
mam98031
·1 year ago@vangons-0
Closing your account will not solve anything. You haven't told us yet how much is this bill and exactly what is it for? A bit of important information to accurately advise you.
Ignoring the notices was the worse course of action you could take.
"ebay isn’t necessarily the best when it comes to contacting someone for help." It isn't up to Ebay to contact you to resolve this issue, it is you than needs to respond instead of ignore. Ebay is VERY easy to get in contact with.
***********************************************
On each Ebay page there is a link to contact Customer Service at the top of the page and again at the bottom of the page.
I would suggest that you contact Ebay for Business on Facebook, Instagram or Twitter for the better trained CSRs.
Here are your options for contacting Ebay Customer Service. Please be aware that for social media CS, you send them a Private Message and briefly explain what your problem or issue is. Feel free to leave your Name, address, phone number and/or your email address in this message. It is private and secure and it may help to speed up the response for you.
https://twitter.com/askebay
https://www.facebook.com/ebay
https://www.instagram.com/ebayforsellers/
Your options will be on the left. If you use the link below you can only get to the Automated Assistant or Chat box type AGENT in the box and hit enter. You will then get more options. Not all options are available 24/7. It will depend on staffing available. So sometimes you can request a call back and sometimes you can't. Sometimes you have the Chat option available and other times it won't me. If it is important to you to use one of those options, just try back later.
If you use a cell phone or other mobile device, you may need to turn off your Spam filter so that Ebay can call you.
If you are a seller outside of the US or Canada, you will need to use the Chat Option.
https://www.ebay.com/help/eua?id=5275&mkevt=1&mkpid
https://www.ebay.com/help/home
vangons-0
OP1 year agoBit of poor wording on my end. I meant contacting their customer service isn’t the best. I’ve already contacted them and gone back and forth for months but I think I’ll try the links you’ve sent. The item was for roughly $500. I know this might not be a lot for some people, but its definitely something that would be a big loss for me
mam98031
·1 year agoHeck any amount of my money is important to me. So $500 is worth fighting for. If you would give us more information, it would enable us to be better able to help you. And help you develop a better conversation to have with Ebay. And I strongly recommend Ebay for business on Facebook. The stronger CSRs are there.
When was this transaction?
How much was the Transaction and how much were your fees?
What is the exact amount of the bill they want you to pay and how does it break down?
And outline of the events of this issue would be ever so helpful. Step by Step starting with the INR.
We are missing some information from you. Likely not on purpose. But if you would just take a little time and type it all out step by step, leave out nothing. It would help us get on the same page and likely to be better able to assist you.
mam98031
·1 year agoIf you think if they close your account, then this bill will just fade off into the sunset, you are incorrect. They will still pursue you for payment until you reach out and try to resolve this with them. But if you don't care about your credit rating, then doing nothing may be OK for you.
Unavailable member
·1 year agoIf you are being sent collection notices to pay a debt you owe to eBay. Ignoring those collection notices is not a wise decision and could impact your selling account and your credit.
It doesn’t matter how small the amount is, it will impact your credit score for 7 years.
eBay can also ban you from buying or selling on their site.
When you had your bank intervene on a chargeback payment eBay had to foot the bill and now they want to be reimbursed for a refund you should have given your buyer in the first place.
vangons-0
OP1 year agoWhy would I refund a buyer when I won the appeals against their fraudulent behavior? I only intervened with my bank because the buyer was unhappy with the several appeal decisions ebay has made in my favor and decided to file a chargeback.
powell-collectibles
·1 year agoYou owe eBay because eBay had to refund the buyer. eBay puts most risk on the sellers. The buyer has already received his money back - you are trying to stiff eBay. You owe the money to eBay, not the buyer. Simple as that.
lacemaker3
·1 year agoAs far as eBay is concerned, you have to make things right for your eBay buyer. It does not sound like you have done that.
eBay doesn't care what your bank told you about your eBay transactions ... eBay says you have to make things right for your eBay buyers. ... that means that you have to pay eBay back for whatever they repaid to your buyers. That is all on you.
vangons-0
OP1 year agoI understand that but they lost all appeals due to fraudulent behavior and decided to take it to her bank rather than accepting the ebay appeal decision. Why should I have to make it right for a fraudulent buyer considering the decision was ruled in my favor
kensgiftshop
·1 year agoThe INR with Ebay was found in your favor.
The INAD with the buyers bank was found in the buyers favor.
farmalljr
·1 year agoNope. Buyer opened an INR case and lost, then opened an INAD case with eBay and lost. THEN they filed a chargeback with their bank, which means eBay is responsible for the refund. Don't know why any seller here would want to take on eBay's debt? They make the rules, they should be well aware of what they are responsible for.
kensgiftshop
·1 year agoAccording to their post last month, the OP was no longer covered by seller protection according to the email they received from Ebay..
"Now, months and months later, the same buyer has somehow managed to chargeback this transaction. The initial email I received said the buyers institute sided with my buyer and I was no longer protected under the seller protection rules even despite the fact that I’ve already won the original appeals. Now eBay is saying I will be charged for the full purchase. "
fashunu4eeuh
·1 year agoHi @farmalljr
Don’t have first-hand experience with this matter of chargebacks myself, but here is the link to the policy covering eBay’s payment dispute process for those interested.
https://www.ebay.com/help/policies/selling-policies/payment-dispute-seller-protections?id=5293
The following is stated in the policy:
â€The final outcome of the dispute is decided by the payment institution. If the payment institution determines that the buyer is owed a refund, eBay will refund the buyer and will then seek reimbursement from the seller for the refunded amount.â€
The policy goes on to say the seller may be covered by certain protections outlined therein. So there are disclaimers and qualifiers regarding who will be held financially accountable. It is likely the burden will fall on the seller more often than not.
Other sellers may not have recommended arbitration because it may not apply. Arbitration normally takes the place of court actions. See link below for more info.
https://www.ebay.com/help/policies/member-behaviour-policies/user-agreement?id=4259#section19
Section 19 covers Legal Disputes.
farmalljr
·1 year agoeBay's policy is, if a buyer files a case with eBay and eBay sides with the seller, they will cover any charge backs that come from the sale later on. The buyer filed two cases in eBay to attempt a refund. eBay sided with the seller in both cases. The seller has no responsibility to cover the charge back in this case, under eBay's own policies.
Again, THIS is a case and point, why sellers should be filing an arbitration case. People suggesting to "just pay it" are the same people that I would have no pity for when eBay walks all over them. eBay has rules, it's not just buyers and seller those rules apply to. eBay has some responsibilities too. The seller did what they were supposed to, and covering them was contractually eBay's responsibility. Had they not won the cases or the buyer went straight to a charge back, then that would be a different situation.
1786davycrockett
·1 year ago@farmalljr
Did you not understand what @fashunu4eeuh has quoted from eBay policy?
-- â€The final outcome of the dispute is decided by the payment institution. If the payment institution determines that the buyer is owed a refund, eBay will refund the buyer and will then seek reimbursement from the seller for the refunded amount.â€
Despite the OP having prevailed in two previous eBay cases, "the final outcome of the dispute" was made by the buyer's payment institution; and eBay has no option now but to attempt a clawback from the OP.
While arbitration remains a possibility, it is probably useless, as the arbitration firm is chosen by eBay, and thus beholden to eBay.
Before this case finally is sent to a collections agency, the OP should attempt to argue their case via eBay Facebook for Business, and request a one-time reprieve from paying the charge, since the OP had previously won 2 cases against the buyer regarding this purchase.
Time is the enemy at this point -- once the account has been turned over to a collections agency, alternative options through eBay are slim to none.
vangons-0
OP1 year agoYes! Thank you so much. This entire process I’ve followed the advice of customer service agents. They actually were the ones to recommend I contact my bank if this escalated.
Now I know that I should have reached out via their social medias, but at the time customer service agents were helping me.
mam98031
·1 year agoI think we are missing some important information / details from the OP. IDK what it is, but something is missing.
@vangons-0 If you could give us a brief outline of how things happened. Starting with the INR filed in Ebay. Then what happened next, and then after that as well. Step by Step. It would really help us to help you.
You will need to do something like that before you contact Ebay too. Because if there is this much confusion on the subject on this thread, when you go to explain it to Ebay, they will just be asking questions too. So you would be better off developing what you need to discuss with Ebay here so we can help you with it before you contact them.
mam98031
·1 year agoBecause it is YOUR credit rating on the line here and YOUR money. You need to contact Ebay and work this out. It may just be a mistake on their part, but that isn't anything you or them can know until you call and discuss what has transpired. This is a YOU issue that is going to take some of your time to resolve. Procrastinating on taking care of this only hurts YOU.
pikabo-icu
·1 year agoIf it's not a lot of money, I would just pay it.
Try to pay eBay direct before it goes to collections.
Unavailable member
·1 year agoFrom the sound of the OPs post it has been sent to collections.
pikabo-icu
·1 year agoI think the global collections is eBay and the OP said this
"I’ve just received a email that they will progress the situation and send it to a debt collector."
So I thought they might be able to avoid it and the extra fees that will ensue.
Unavailable member
·1 year agoThe OPs course of action is to ignore the notices of collection…..not a wise plan.
pikabo-icu
·1 year agoAGREED!!
vangons-0
OP1 year agoI agree but unfortunately we’re looking at a pretty big amount. I’m also a college student and not looking to pay hundreds for something ebay has ruled in my favor for.
1786davycrockett
·1 year ago@vangons-0
Your least worry at this point is for eBay closing your account.
Your biggest worry is (and should be) ruining your personal credit history for the next seven years, since you admit to being a college student: if you plan on receiving more student loans, forget about it. Or a car. Or a house or apartment. And some jobs now require that you reveal your credit bureau history.
If, up to this time, you have failed to contact Global Collections about this case, do it NOW, before you begin receiving an avalanche of dunning letters, as well as dunning phone calls to your home and workplace. And some of the very aggressive collections agents can be very abusive and annoying.
If the sum in question is significantly large, you should hire a lawyer that is experienced in debt collections -- but they are NOT cheap. Once they take your case, the law firm can send "cease and desist" letters to the collection agency, which at least will stop the letters and phone calls -- but it does NOT stop the collections process.
Unfortunately, as has been pointed out several times, even though you had won two appeals through eBay, you definitively lost to the buyer's charge account carrier, which represents the buyer and thus will only take the buyer's side in any arguments. So the buyer's charge account carrier reversed the charge back to eBay, and eBay is attempting to claw it back from you, which is their legal right, according to the eBay contract to which you had agreed at the time that you had signed up with eBay.
The bottom line is -- you will lose. At this point, you need to choose how much you choose to lose, as you may be able to offer a settlement to eBay.
(Just as a side note: Amongst my many jobs over the past 60 years, were 6 years spent in 3 different law offices that were 100% dedicated to debt collections. Many of the individuals with whom I spoke were planning to be stubborn and ignore the debt collection letters and phone calls -- until they needed a loan for a car or house. And, by that time, their CBR (credit bureau report) had become a disaster, costing them thousands of dollars to dig their way out. The short version? Don't ignore those dunning notices!)
powell-collectibles
·1 year agoI don’t understand the advice of getting an expensive lawyer when the OP can just pay what is owed. And, absolutely no need to have a lawyer. Send a letter asking them to stop sending letters or calling for their debt collection. Anyone can do this.
1786davycrockett
·1 year ago@powell-collectibles
"I don’t understand the advice of getting an expensive lawyer when the OP can just pay what is owed. And, absolutely no need to have a lawyer. Send a letter asking them to stop sending letters or calling for their debt collection. Anyone can do this."
Depending upon the OP's financial status, hiring an attorney with collections experience is an option which has been used by millions of debtors. It was suggested simply as another option.
And sending a letter to the collections agency does not stop the status of the collections process -- in fact, it only accelerates the process to the next stage, which may culminate in court action against the OP.
And I agree 100% -- at this point, the OP should simply pay the bill directly to eBay, rather than "hang tough" and allow the account to go to collections, which can only harm the OP's credit bureau history.