I sold an item for $10000 USD, Over 90days, Customer opened American Express Chargeback .

[racingsportplus]

This is very rediculous, I sold an item for $10000USD over 90days, The buyer did the American Express chargeback. I upload all the  statement in case, but I lose the case. That's fine. I don't know why ebay allow this happen and also don't know why American Express allow this happen to helping their customer stolen money ?Ok then , How can I get back my item ?It is not a cheap product... there also has crazy cost and crazy international air shipping.  Ebay never said how to handle this case ,even I send bunch of email to them and never get the reply, after that They said "In the email, it informed that this payment was only eligible for partial protection, so we could appeal the dispute fee for you which is 20 USD. However, before we process the refund, we need to get the confirmation from you. If you agree with the refund of 20 USD, please reply to us as soon as possible.A payment dispute is when a buyer initiates a chargeback or other type of dispute with their payment institution (for example, their credit card provider or PayPal). The final decision for refunding the buyer is made by the payment institution. The buyer contacted the payment institution (credit card company) and opened this payment dispute. Generally, the protection period that payment institutions give buyers to initiate disputes is different from eBay. eBay cannot control the protection period provided by the counterparty. Therefore, when the buyer believes that there is still a problem with the transaction, the buyer will contact the payment institution to initiate the dispute.We noticed that you chose to dispute the payment dispute and provided evidence. Unfortunately, the payment institution did not accept the evidence provided by you. The result is in buyer's favor, so the refund is processed to the buyer.For some payment disputes, sellers may be eligible for payment dispute seller protection provided by eBay.Unfortunately, your current order is partially protected."

Ebay at lease return the item to us first ,right? also they never said how to handle this case or even for advise for seller. for the case refund, ebay should refund the final value free to the seller right ? But there is nothing, I am just thinking that should I still selling in this unsafe place ?

Any seller meet this situation can give some advise? Thanks!

[southern*sweet*tea]

This is how all credit card chargebacks anywhere work. The online merchant loses 99.999% of the time. Credit card customers have up to six months (I think Amex allows one year) to do a chargeback. The card company is not going to deny their customers who willingly pay ridiculous monthly interest payments for the privilege of buying stuff they really don't need with money they don't have. The only winner is the CC company.

[katzrul15]

So very sorry.

There is likely no way to get your money or your item back.

This is a redundant comment, but selling online a $10k item internationally is a surefire way to lose the item and $10k.

You can write it off your taxes, but that is about it.

[albertabrightalberta]

What kind of chargeback was it? If it's SNAD, you can't do much except sue. But if it's an international transaction, the expense of a lawsuit might take the option off the table.

If unauthorized use, you should have seller protection but you'll have to fight for it. 

Did you ship to the address in the transaction? 
Did you have signature confirmation? 

https://www.ebay.com/help/policies/selling-policies/payment-dispute-seller-protections?id=5293&st=3&...

Protections, eligibility requirements and exclusions

Payment dispute seller protections apply when the buyer opens a payment dispute for one of the following reasons:

• They didn't receive the item
• They don't recognize the transaction or have an issue with the transaction
• The item they received doesn't match the listing

For a seller to be eligible for payment dispute seller protections:

• The transaction must meet the requirements specified in this policy
• The seller must respond to the payment dispute and take action within the required time frames
• If challenging the payment dispute, the seller must provide the required evidence
• The seller may not be in violation of the User Agreement

When a buyer opens a payment dispute because they didn't receive the item or they don't recognize the transaction

When a buyer opens a payment dispute because they didn't receive the item or they don't recognize the transaction, sellers will be asked to provide:

• Evidence of successful delivery to the address provided by the buyer at checkout, or
• Proof that the buyer collected the item

If eBay determines that the item was successfully delivered or picked up:

• We will not seek reimbursement from the seller for the disputed amount, even if the payment institution decides that the buyer is owed a refund; and
• We will waive or refund the seller's dispute fee

Evidence of successful delivery
Tracking information from a shipping carrier that shows all of the following:

• A delivery status of "delivered" (or equivalent in the country to which the item was delivered);
• The date of delivery;
• The recipient's address that matches the one found on the Order details page, including the city/county or zip code (or international equivalent); and
• Proof of signature confirmation uploaded as an image while challenging the payment dispute, for orders with a total cost of $750 or more. Learn more about our signature confirmation requirements

[bigdeals.etc]

Sorry TLDR.

How did you know it was an AMEX chargeback? Every time I get a payment dispute I have no idea what card or bank the buyer used. Also if you haven’t already, see if you can get your FVF back from eBay at least.

[kobunji]

That is ridiculous AMEX is not requiring a $10,000 item to be returned in order for the buyer to get refunded.

Years ago chargebacks always required the product to be returned, then like 5 years ago it became open a chargeback get the item for free no return.

I do not see it mentioned, but assuming the buyer received the product, you should contact them and see if they will return it.

It looks like you sell a lot of expensive stuff, and shipping it from China, it's just a a risky business and eventually you are going to run into something like this.

[dbfolks166mt]

      A couple of things. Always remember the #1 rule as a seller and that is to "NEVER list anything you are not prepared to take the financial loss on". Your post does not indicate why the buyer filed the chargeback so not sure if the item was never received or it was not as described. You are either drop shipping out of China or you are actually in China and using a US based eBay account to post your listings neither one is an optimal situation. 

     There is little chance you will get the item back. CC companies are not in the logistical business and their priority is the cardholders interest. There is also only a remote possibility that you will recover the financial loss but for this amount it is worth appealing the decision. t's not just the eBay environment that suffers from chargebacks it is way too common in any commerce arena including B&M stores. While the auto parts you have posted may not be a high target item for scammers they are high value. A scammer could virtually run an online chop shop stealing your merchandise. Not sure where this item shipped but you could file a police report with the buyers local PD as well as a FBI internet crime report https://www.ic3.gov/ EBay does offer some seller protection against chargebacks. 

https://www.ebay.com/help/policies/selling-policies/payment-dispute-seller-protections?id=5293 

[m60driver]

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@racingsportplus wrote:

But there is nothing, I am just thinking that should I still selling in this unsafe place ?

Any seller meet this situation can give some advise? Thanks!

---

My advice would not to be selling such high priced items unless you have the profit margins to cover the anticipated losses.  And if you do sell, do not sell international.  Most countries on this planet are run by organized crime syndicates and that ethos trickles down into the general population.

[racingsportplus]

eBay shows that, Yeah I try to get my FVF back from eBay, I try so many times for e-mail but haven't get reply from them....

[mam98031]

@racingsportplus 

The email form of customer service is probably the WORST form of all.  If  you use social media, Ebay for Business on Facebook is very good.

https://twitter.com/askebay?lang=en

https://www.facebook.com/eBayForBusiness/

https://community.ebay.com/t5/Selling/How-do-I-contact-Customer-Support/m-p/32016431#M1783851

[computeraidllc]

Most credit card companies it is 90 days. PayPal it is 6 months. AMEX has no limit on time. But if it goes out beyond 6 months it will require the buyer to submit an affidavit on why the chargeback, why it took so long to do a chargeback and what you want the merchant to do. The have a protection that other card issuers don't have and it pertains to written warrantees so if you have a 1 year warrantee on an item and the merchant / manufacture doesn't follow thru on the warrantee you can file a chargeback to get your original amount paid back to you because of this. They cover warrantee issues as well as other stuff that most card holders don't. It is a major perk there cards have over everyone else.

I had to do this awhile ago because I bought an expensive bracelet and I kept sending it back to be fixed as the clasp never worked properly. It was a case of a defective item and the merchant wasn't willing to refund as they said they would do but to only endlessly try to fix something that couldn't be fixed. It took me over 3 months to get my money back on the item. I didn't possess the bracelet anymore as it was already been sent back months ago. The merchant kept fighting it and I eventually won. 

[computeraidllc]

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@kobunji wrote:

That is ridiculous AMEX is not requiring a $10,000 item to be returned in order for the buyer to get refunded.

Years ago chargebacks always required the product to be returned, then like 5 years ago it became open a chargeback get the item for free no return.

I do not see it mentioned, but assuming the buyer received the product, you should contact them and see if they will return it.

It looks like you sell a lot of expensive stuff, and shipping it from China, it's just a a risky business and eventually you are going to run into something like this.

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It depends on what they gave for the reason. If it is because it wasn't received or unauthorized or sometimes a warrantee or a guarantee the seller made then it doesn't need to be shipped back. But usually for a warrantee or a guarantee the seller made but wasn't done requires a lot of paperwork and a sworn statement from the buyer.

It would be nice to know the reason for the chargeback.

[vintagecraze50]

For 10 grand I would be filing a lawsuit against American Express. Find out what you can do about this as far as contacting AMEX and doing your due diligence to make some noise about these unfair practices these credit card companies are doing. They simply are negligent in investigating many claims and something should be done on the federal level to stop this merchant abuse.

[vintagecraze50]

This seller shipped to another country I assume. We need to know if this was an item not received case or an item not described case. In any circumstance, Ebay has zero control over these credit card companies and their practices. The poster needs to take this issue up with AMEX.

[computeraidllc]

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@vintagecraze50 wrote:

This seller shipped to another country I assume. We need to know if this was an item not received case or an item not described case. In any circumstance, Ebay has zero control over these credit card companies and their practices. The poster needs to take this issue up with AMEX.

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I agree. We need to know the reason. If it is an item not received and tracking shows it not delivered then there isn't much that can be done about winning a chargeback because in the card issuers mind, the buyer never got anything. If it is an item not as described case then it is totally different. Just remember AMEX has other protections that other card holders don't have. They also treat chargebacks differently than Visa or Mastercard as they are both the issuer and the bank. The terms are very different with chargebacks.