Chargeback

[esg-enterprises]

So I had my biggest loss ever this week on ebay made possible by MP. 

A buyer purchased an item from me in mid January. He never onced asked to return or stated a problem with the item. In Late April he opens a chargeback for INAD, totally fictitious.

I was assured by anchor store CSR's I would be fine appealing the case because I was protected by seller protection and the buyer was obviously scamming.

Yesterday I get an email I lost the case and they were taking $1500 from my bank account.

I have called 3 times and spoken to 7 CSR's, mostly in MP, each telling me I have no protection because I could have sent the buyer a different item. Also, he does not have to return my item and ebay is keeping their fees.

I asked 20 years with ebay paying hundreds of thousands in fees and you cant do a thing for me, when PP would have at least made them return the item.  I was told by one MP CSR that ebay can't match what PP provided because PP is a unique situation and actually admitted moving forward I will likely lose every chargeback someone makes. They refused to give any details on the decision or why they made it just that each case is unique.   

Needless to say very demoralizing and I will have to really look to speed up my movement away from ebay. In 20 + years with PP I had 3, maybe 4 disputes which PP closed and in one case made the buyer return my item.  In 8 months in MP I have had 2, one because ebay never refunded the buyer on a cancellation the buyer requested and I refunded!  

Now out  1500 and the money I had in the item. Sux

[whattheactualfox]

If you do that, ebay may send OP's account to collections. And when it comes to collections in general, they will do whatever they can to get the money back

[stephenmorgan]

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@donsdetour wrote:

And since it now shows a a charge by ebay and not the seller some think ebay is charging em for some thing the did not authorize.

 Some people are intentionally wanting to rip you off, but that is a very good point you make.  Since it shows as a eBay charge a person may think it is erroneous charge as they did not buy it from eBay.  It is the User ID who they purchased their item from. 

Just looked at my Card Statement and it says "eBay Collection OTP" for one charge and another charge it says "EBAY*T*7353475053 408-3766151 CA"  and that is all.  I do not question the charges although I could understand it if someone did.

For a PayPal charge is says "PayPal USPOSTALSER" so I know exactly what or who the charge is for (US Postal Service).

If eBay is unable to stop the Fraudulent Charge Backs does this mean eBay System is not secured and they are unable to stop the Fraudulent use of their system? 

How is it possible eBay could allow a charge  on someone's card who did not authorize it?  Isn't there a three digit code that has to be entered in order to use a card online?  Instead of storing that three digit code on eBays system it should be required to be entered for each transaction and there should be a two step authorization such as a coded number sent to a phone or email before card use is authorized.  This should stop a lot of fraud.

[stephenmorgan]

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@pikabo-icu wroteThere has to be some reason for this increase in chargebacks- I don't know what it is but it seems to be increasing. 

People have become more educated and skilled in how to perpetuate these type of frauds.

[stephenmorgan]

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@reallyhardtofind wrote:

Yeah looks like its time to buy a couple of Rolex's 😂.  

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It would be interesting to see how that would play out if the Rolex went thru eBay Authentication Program.

eBay's representative would be the one who sent the Rolex so who would refund a chargeback?

[otow_18]

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@esg-enterprises wrote:

So I had my biggest loss ever this week on ebay made possible by MP. 

Now out  1500 and the money I had in the item. Sux

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Just to set it straight @esg-enterprises you did not lose $1500.

Before the sale, you had $0.

After the sale, you had $1500 less fees.

Now you've refunded the whole $1500 plus fees.

Now out:

- the money I had in the item. Sux

- postage to ship

- all fees

And in MP, the $1500 was forcibly reversed from eBay by the payment source: eBay does not have the $1500 any more. So eBay either must lose $1500, or get it back from you.

Neither PayPal nor eBay ever stated or have seller protection for SNAD. On both, seller protection is clearly stated for INR and UA only, and it has always been a common misconception that SNAD has seller protection; it does not.

[southern*sweet*tea]

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@gempanache wrote:

What are the best alternative sites?  Ebay is awful now- such a shame because they used to be good.

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Any site where buyers cannot pay with a credit or debit card, or Paypal, or any other sort of reversible form of payment.

Basically, Craigslist or a yard sale.

[dbfolks166mt]

It may have something to do with the hundreds of sites and video's on the internet that actually tell you how to run a scam on eBay and get buy with it. 

[dbfolks166mt]

Some interesting information about chargebacks. 

https://chargebacks.com/true-cost-chargebacks/ 

You have to wonder at what at what point eBay, as the merchant, will loose their ability to accept CC's as a form of payment. You also have to wonder if eBay is actually fighting the chargebacks behind the scenes and at some point recovers some of the chargebacks and never actually tells the seller and ends up keeping the money. 

[dbfolks166mt]

Prior to managed payments sellers had the option of accepting payment through either PayPal and/or credit cards. After managed payments the seller had no choice with regards to accepting or not accepting credit cards, eBay made that decision for you. 

https://www.ebay.com/help/selling/listings/choosing-get-paid?id=4106 

[coolections]

@siamjane8 

It has nothing to do with MP vs PP. That is s fictitious statement.

[dbfolks166mt]

Actually it is not fictitious. MP forced sellers to accept credit cards as a form of payment. 

https://www.ebay.com/help/selling/listings/choosing-get-paid?id=4106 

[coolections]

@esg-enterprises 

Not if it was over 30 days. People are just coming up with more excuses why they don't like managed payments. This is nothing but a witch hunt against MP vs PP.

[tdumonde2014]

Sellers had no say in what forms of payment a buyer used prior to MP. The policy you linked is poorly written, has old information retained, and is incorrect. There was a time when sellers could accept credit/debit through their own payment processor, however that option ended years ago.

[jonathankirkland]

So perhaps the thing to do is after each listing is sold (talking expensive ones):

Take a screenshot of the listing.

Take a screenshot of the username that won the auction/buy now.

Take a screenshot of the buyers name, address, etc.

Take a screenshot of the package with the label on it.

Take a screenshot of the tracking once the package has been delivered.

Perhaps combining all of those into one photo for a chargeback would be a good defense?

Disgusts me how quick ebay is to give back a sellers money to the thief but you can be dang sure they don't give their own money back to people that easily.

[vintagecraze50]

This is alarming news for us. Chargebacks are going to be another way people continue to abuse merchants online. Many companies incorporate chargeback protection services of some sort to combat this problem.  You cannot just arbitrarily award a chargeback with no return of merchandise. If the OP did not approve the return of the item when this chargeback was filed then I could see why no return was required becuase that is how this works. You must approve the chargeback and then you have the opportunity to have MP tell the buyer to return the merch. OP, did you do that? Or did you deny the chargeback ?