mam98031 • Volunteer Community Member • Buyer/Seller since 1999
@vintagecraze50 wrote:Seller refuses to refund customer in the first place creates a ripe environment to run to the card.
It can if the buyer used a credit card or debit card to pay with. Not all buyers do as there are other forms of payment accepted. However it is likely that most use a card.
@vintagecraze50 wrote:Seller does not describe item properly and has poor photo’s and does not use enough item specifics, all grounds for a possible chargeback instead of going through the proper channels to receive a refund through the merchant. They can always choose to run to the card instead of go to the merchant and your chances of getting a chargeback verified through research says exactly that. You must do everything you can to avoid the chargeback and sometimes NOTHING you do will change that if you are dealing with an unsavory customer.
I'm unsure of your response above. I said nothing about the quality of the OPs descriptions and/or listings. Nor did I say that a buyer hasn't any right to open a Chargeback instead of filing a claim through Ebay.
The post you are replying to of mine said none of this.
@jou8671 wrote:I previously wrote about a customer who made a fraudulent claim regarding a $10,000 ring that we had just sold them. We see that the same buyer, who has an open return request for the item, is also utilizing our eBay images to list the item for sale on Mercari. I falter.
If the buyer filed a Request for return and didn't return it, then you aren't out any money because you didn't have to refund the buyer. The buyer is free to resell the item if they want to. It is certainly annoying that they are using your pics, but I'd be happy I didn't lose my $10,000.
@vintagecraze50 wrote:
@theteamsetguy wrote:
Chargebacks are governed by the following Federal Regulation. The laws regarding chargebacks are in favor of the consumer not the seller. Always has been that way. Unfortunately, some savvy buyers have figured a ways to take advantage of the regulations.
Since I have switched to free 30 day returns I have had zero chargeback loses.
The Fair Credit Billing Act (FCBA)
Passed in 1974, the FCBA addressed concerns about credit card theft and fraud. It mandated the creation of the chargeback process, limiting customer liability in fraud cases and allowing cardholders to dispute deceptive merchant practices.
Yep, you give extended periods for returns and you offer free returns ya just might cut down on the chargebacks. It is a documented fact with all the Chargeback helping companies like Chargebacks 101.
The length of time that a buyer has to file a Chargeback is controlled by the individual credit cards. My Visa card allows up to 90 days to file a dispute. Other cards allow 60 days, some allow 120 days. I suppose there are some out their with longer timeframes, but I'm not sure which ones. Clearly there are some as Ebay and PP give buyers up to 180 days to file, but it is likely that most CCs simply don't allow that much time.
@theteamsetguy wrote:
My business and personal Amex cards are 180 days.
That doesn't surprise me about AMEX as it is one of the, if not the most expensive cards for merchants to process.
@theteamsetguy wrote:
They have the best rewards in my opinion if you know how to use them to get the most value out of them. My Amex platinum business card was giving me 4 points for every dollar I spent on shipping each month for 3 years until they reduced it to 1.5 points per dollar this year.
I switched to the Amex gold business card for 2 times points on shipping.
I didn't say it was a bad card, just the most expensive for merchants. And yes they can offer those perks to card holders in part because of how much they charge Merchants.
@carlmarxx wrote:Paypal was merchant of record with credit card company's & banks ,just as eBay is now the merchant of record for charge back disputes and snads . There is no requirement for any buyers to Ebay Protection policy .
PayPal or Adyen is the merchant of record @carlmarxx -- they process the buyer's credit card.
eBay just has
- a PayPal account
- and an Adyen account
from which eBay withdraws buyers' payments less commissions, and issues refunds to the buyers.
When the buyer files a credit card chargeback
- PayPal or Adyen then have to answer to that chargeback
- and the eBay account at PayPal or Adyen is debited for that amount.
