How do they send the refund?

[sdhk-32]

eBay found that I was owed money and I am being sent a refund for an item that was never received. However the card that I originally purchased the item on three months ago has since been closed by me. How will eBay then refund my money? I don't know how to ask them. Thank you

[santamonicajeweler]

I am sorry for your confusion @wastingtime101  but I was responding to @house*of*paws 

You just jump right to it

Now, you're adding more unrelated material to the discussion. No wonder there is confusion! 

[kensgiftshop]

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@santamonicajeweler wrote:

I say; the refund will go to the other financial account connected to OP's eBay account 

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It can't, the refund has to goes back to the original source.

The card issuer should help the buyer receive the refund.

If they sent the refund back to any other accounts, people would be using stolen credit cards, then have the refunds sent back to their accounts.

[santamonicajeweler]

@wastingtime101 to be clear, I am neither upset nor have any questions 

But here is the question for eBay to clear your concerns

How do you refund to original method of payment if financial account relate to that payment is completely shut down? 

[santamonicajeweler]

@kensgiftshop Not if Card Holder is verified 

All transactions to any closed CC account get rejected, regardless of a refund or a charge 

Charges are not valid 

Refunds become unclaimed 

That's why they get rejected! 

[kensgiftshop]

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@santamonicajeweler wrote:

@kensgiftshop Not if Card Holder is verified 

All transactions to any closed CC account get rejected, regardless of a refund or a charge 

Charges are not valid 

Refunds become unclaimed 

That's why they get rejected! 

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I've never had a problem getting a refund from a closed credit card account.

It's been a few years, but they made sure I got the refund.

[wastingtime101]

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@santamonicajeweler wrote:

I was responding to @house*of*paws 

You just jump right to it

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Oh, my bad. I didn't realize that on this public discussion forum where every single poster (including you) is welcome to jump right in to any open discussion, that I was the one poster not allowed to do that.

[mtgraves7984]

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@wastingtime101 wrote:

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@santamonicajeweler wrote:

I was responding to @house*of*paws 

You just jump right to it

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Oh, my bad. I didn't realize that on this public discussion forum where every single poster (including you) is welcome to jump right in to any open discussion, that I was the one poster not allowed to do that.

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@wastingtime101 

Well, I'm just as confused, as @santamonicajeweler tagged you 5 times in one post. 🙄

[velvet@ebay]

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@wastingtime101 wrote:

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@santamonicajeweler wrote:

Let's go through the case one more time,

OP purchased an item

OP closed CC account of payment method

OP is trying to get a refund 

I say; the refund will go to the other financial account connected to OP's eBay account 

@house*of*paws and @kensgiftshop say I am wrong. They say; refund will go to the original method of payment and you @wastingtime101 suggested for OP to contact the closed CC account and ask

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Can you weigh in here tyler@ebay or velvet@ebay? This discussion is apparently getting some posters upset and it's now going around in circles. Thanks.

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Thanks for the tag @wastingtime101!

@sdhk-32 you'll need to work with your card company/bank and if they can't locate the funds that were dispersed back to your closed card/account, then you can contact Customer Support for a number they can provide for the refund. You can then take that transaction number back to your card company/bank and hopefully they can find another way to get you paid out. 

The funds don't come back to us typically, so we would not be able to provide a second refund of any kind under normal circumstances. 

I hope this helps and you can get your money back soon!

[santamonicajeweler]

@mtgraves7984 I have no choice, I don't have privilege of quoting like you guys. That has been taken away from me 

[santamonicajeweler]

I am sorry but eBay can't refund on a closed account. I think you need to look this up. Here is 

 

Treatment of credit balances; account termination

www.consumerfinance.gov/rules-policy/regulations/1026/11/

(3) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer's current location is not known to the creditor and cannot be traced through the consumer's last known address or telephone number.

Then it goes back to unclaimed money which I've exusted the issue with

[house*of*paws]

Thank you velvet@ebay !    😊  😘

I kept asking where @santamonicajeweler was getting their information ... because they kept describing what a CC company would do if a refund was sent to a closed account.  I wanted to know what eBay would do.  I could not find any policy about this in Help. 

IS it written anywhere? 

[house*of*paws]

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@santamonicajeweler wrote:

I am sorry for your confusion @wastingtime101  but I was responding to @house*of*paws 

You just jump right to it

Now, you're adding more unrelated material to the discussion. No wonder there is confusion! 

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I apologize for disappearing.  I was reading the thread on my phone ... but couldn't reply until I got back to a pc.

The reason I kept asking @santamonicajeweler where you were getting your info is because you kept describing what a CC company would do if a refund was sent to a closed account.  I wanted to know what EBAY would do ... since I have yet to find any information on that in Help.  @wastingtime101  has been pretty much saying/asking what I would have said/asked if I could have replied.

FYI:  I was in a similar situation several years ago where I paid for an eBay purchase with a credit card through PayPal.  Shortly thereafter, my card was compromised ... and then cancelled. I then needed a refund for the purchase and had trouble finding out where the refund would go.  It was NOT a simple matter.

At the time, PayPal was doing the payment processing for sellers ... and eBay wasn't involved at all with buyers' payments.  Since Managed Payments ... eBay has taken over payment processing from PayPal ... which is why I asked about MP.

Previously ... refunds would be returned to the payment source ... BUT sometimes refunds would sit in our PayPal accounts until we used it to purchase something new OR manually transferred it to bank account.

I have never heard of a credit card being able to accept a refund when it wasn't used originally to pay for something ... which is why I think several of us were incredulous of @santamonicajeweler 's explanation of the process.

[albertabrightalberta]

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@house*of*paws wrote:

FYI:  I was in a similar situation several years ago where I paid for an eBay purchase with a credit card through PayPal.  Shortly thereafter, my card was compromised ... and then cancelled. I then needed a refund for the purchase and had trouble finding out where the refund would go.  It was NOT a simple matter.

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My card has been compromised in the past after a couple of online purchases. 

What happened in my case was that the cc company deactivated the card/number and issued a new card with a new number, new expiration date and new CVV code. But it was the same account. 

I contacted the card issuer and was told that if a return was made, credits could go through to the old account number but new charges would be rejected. 

In fact, I was able to test the process, both with a B&M return and an online return. When I returned an item to Lowes, their system doesn't need the card with a return with receipt and the credit went back to the account and showed up on my next statement for the new account number. It worked similarly with an Amazon return. They just credited the account on record.

[house*of*paws]

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@santamonicajeweler wrote:

I say; the refund will go to the other financial account connected to OP's eBay account 

@santamonicajeweler 

Are you saying that a refund can go to a credit card that didn't issue the original payment ... if the CC issuer is a different bank?

That you can pay with a CC from Bank A ... and automatically get a refund sent to a CC in Bank B if the other account is closed?  

I need to read source material on this.  It has never worked this way before with eBay or PayPal.

[keats9264]

Hi. Thank you for all the replies. Unfortunately this is still a problem. I called my bank and they said since the card is closed, they can't even see the money trying to come in. They said their should be some other way for ebay to credit the money to me, because it must happen rather often that debit/credit cards expire or get closed out etc. The ironic part is, one of the reasons I closed out this card was because of this suspicious transaction on ebay. I made this purchase, the item didn't arrive for two months and I saw that the original seller had vanished without a trace, and the sale had been "taken over" by a different seller. Still I had to wait another month until the estimated delivery date and went to get help with the refund.