Purchasing an item from a seller who does not have a linked bank account. Process for a refund.

[grglas-85]

I purchased a guitar amplifier for local pickup with my bank card from a user who informed me that he doesn't have a linked bank account and only accepts cash when picking up the item.  Ebay does not seem to have an easy category for a resolution for a refund.

I have a request to Cancel Order Pending and Item Not Received open on the transaction. None of those really match the issue though. 

The seller cannot approve my request to cancel because, he says, it asks him for a bank account. Ebay is attempting, it seems, to request he return my funds, when ebay is holding it. It's been 4 days. ebay help rep says I must wait 5 more to take next step. Any suggestions appreciated.

[bonjourami]

Ebay wants the refund to be provided by his bank source, or cc, whichever he has listed with his account. They will then refund you, and when the sellers funds are cleared, will reverse that payment to him, thats just the way it works.

[grglas-85]

Again. The seller doesn't have a bank account linked to his account. Seller never received the funds, ebay still has it. 

1. EBay search algorithms matched me by location to a seller with a product I was looking fo.

2. I purchased the item with Bank Card

3. Seller informs me he has no linked bank account, only cash on pickup.

4. Getting ebay to refund me. 

[bonjourami]

The seller has to have something linked to his account to pay listing fees, you cant sell on Ebay without either a cc, or bank account that Ebay can withdraw funds from.

[grglas-85]

He doesn't have a linked account, and a ebay help agent even verified it.  Do a Google search for "Can I sell on eBay without a bank account?" People do it.

They sell for local pickup only, and I suppose inform the buyer to pay with cash.  This guy didn’t inform me on winning auction bid on a guitar amplifier. So I have $245 in limbo with eBay

[kitschy*loot]

Your payment had to have gone somewhere. If the seller had no bank account or credit/debit card linked how did the payment go through?

I get you're saying some sellers are only doing local pickup for cash but not mentioning the cash only part until after an item sells, but you had already paid and it went through.

If they really don't have any kind of payout method on file then eBay wouldn't be able to hold the funds from the sell because there is nothing to hold on their end; they would never be able to see the funds unless seller had a payout method.

I don't see how any of this is possible, but if there is a chance it is then your money would have to be refunded back to your bank card by your bank it would seem, since they are the only ones who can access it.

[mtgraves7984]

Your seller is snookering you (and eBay, it sounds like). If you made a payment through eBay, the seller's funds (your payment) are on Hold. The seller is responsible for a $.30 Transaction Fee, and that's why eBay wants the seller to attach a bank account.

Maybe you've got a new seller who hasn't signed on to Managed Payments, maybe you've got a seller who's up to no good... who knows? I don't know how to advise in this situation... what's the listing number?

[krazzykats]

Follow eBay's instructions and wait 5 days.

[krazzykats]

And if that fails, then contact your funding source.

[grglas-85]

Yes, I'm sure eBay will refund me at some point.  It just may take a couple of weeks. 

[fab_finds4u]

The sad truth is a seller can and has been able to list items without being in managed payments! eBay holds their payments until they link a checking account.

The seller may not be aware of this but when you offer local pickup you must offer an electronic payment method. They can no longer specify cash only at pickup.

He needs to link a checking account and a payment method for seller fees that aren't  taken from his payout. He needs to let you pick up the item because you paid in a method eBay offers for pickups. Give him the 6 digit code that came in the email when you paid and that will prove delivery to eBay.  In the past sellers were correct to want cash because there was no way to prove delivery and sellers were getting scammed. Now eBay has offered a way to prove delivery. You can even sign a copy of the order details and eBay accepts that. He should have no worries.

OR you can file a not received case and eBay will refund you out of his held funds.

And probably permanently suspend him for being a risk to the community.

Send him a link to the topic here.

[fab_finds4u]

eBay has the buyer's payment. That's where it went.  They took their FFV out and they're waiting for him to attach a checking account to put the payout in.  If the seller attaches an account their funds will be released in 2-4 weeks unless a dispute has been filed. If a not received dispute has been filed eBay will refund the buyer.  Then it's  probably bye-bye for that seller!

[grglas-85]

I appreciate all the helpful insight into the truth, that I've been snookered, the guy is flying under the radar to avoid paying ebay, and that eBay will ultimately reimburse me.

If he had had a bank account, I would have just picked it up and given him a code to scan for proof of delivery.

[grglas-85]

I just received an email from ebay on my first attempt to stop the transaction. 

"We couldn't cancel your order because it's too late to cancel. You should receive your order by Mar 21, 2023. You may contact the seller to return it once you receive it."

I canceled within a hour of the purchase Monday after the seller notified me that he didn't have a linked bank account. it's a local pickup, I'm not going to be receiving anything. 

[grglas-85]

Wow. I'm in it for the long haul. It's my fault for not scrutinizing his new account which I normally would have done if not for being a local pickup less than 30 MI away.