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Chargeback

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

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Chargeback

Ebay is the merchant of record, they tell me the item has been paid for, ship it, Ayden processes the money which goes back to ebay to disburse, then ebay pays seller.

So we have nothing to do with the money until ebay decides to pay us, Ayden has no idea who we are, ebay is their customer.....until a chargeback takes place, then we are the merchant responsible for the funds.

 

This is the most concise description I have read of the new process, and the fundamental unfairness is self-evident.

Message 106 of 129
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Chargeback

If eBay is going to cover those losses- fine, eBay gets to battle the chargeback BUT

If the individual seller is going to be out money AND item we should be allowed to defend ourselves and prove our case..

 

Good point.

It seems to be a seller on eBay, it's getting to the point where you almost need insurance. However, if such a thing were ever developed (insurance for internet sellers), I can bet there would be no insurers willing to insure sellers on eBay due to eBay's return policies!

Message 107 of 129
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Chargeback

@dugoldstuff 

 

...precisely point of view...thanks...!!!

Message 108 of 129
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Chargeback

Just trying to figure out the legality of how ebay is handling chargebacks...??

They are the merchant of record and sellers simply supply and ship the product and get paid by ebay after the fact as if we are now wholesalers to ebay which makes them 100% responsible for the chargeback . But if there is a chargeback, then they say they just bring buyers and sellers together and its our problem but then refuse to give us any information about the chargeback.... so we cannot contact the cc company or produce evidence on out behalf.

When we lose the case- ebay says they have nothing to do with it.... I am confused by how they can play 2 sides of a coin.   

Message 109 of 129
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Chargeback


@esg-enterprises wrote:

Absolutely right, and best part I was told all along I could appeal the case regardless of the decision, and the ebay protections would step in.

Now being told that there is no appeal process for a case like this, the decision is final.

When I ask what is "a case like this", they give no answer, they make it up as they go along.  

 

One funny response is I told a gal yesterday in MP department that I had been told all along I would have ebay protection, she said that was irresponsible of ebay employees to tell me I was protected, she would pass that on so they could be corrected, there is no protection for a seller on ebay....at least she was being honest.


That is why I categorically refuse to even call those CS people, I get far too emotional over these things...

Message 110 of 129
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Chargeback

The following quote was the last response from the Community Team on yesterday Chat regarding "Chargeback".   Please check out the  Community Chat, June 30, 2021.

 

Posts from helpful regular members had raised concerns regarding the topic.  IMHO, responses from the platform are still wanting.

 

Quote:
@mam98031 wrote:
brian@ebay wrote:
@mam98031 wrote:
@jonathankirkland wrote:

With most sellers now being moved to Managed Payments from Paypal, 'chargebacks' appear to be at an all time high, and the problem is becoming more and more prevalent on a daily basis.

 

Why does ebay, Adyen or whomever else is responsible not support sellers by giving them a chance to present their case to the processors that are initiating the chargebacks on behalf of their customers? It seems ebay/Adyen are complicit in giving any/every payment processor carte blanche to chargeback and the seller has absolutely no recourse.

 

Ebay really needs to be better about supporting sellers with chargebacks. What do you intend to do about this serious, growing problem?

Just adding my voice to this concern.  I am not aware that Chargebacks overall have risen for those in MP over when we were in PP.  I know it hasn't for me and a few other sellers I know personally.  But I most certainly have raised concerns over the lack of being able to state our position on a chargeback as the form we fill out in MP for this is inadequate at best.  It ONLY allows you to enter a tracking number.

 

There can me so much more to be said about a specific chargeback to include emails that need to be considered inside the Ebay system.  We need the ability to give OUR SIDE of the issue.  But currently MP doesn't allow that.  I had to call in to get some additional info on my chargebacks.  No seller should have to do that.  All MP needs to do is give us a field to enter information into AND THEY MUST have a real person review it and pass it on to the CCC.

@mam98031 I can definitely share this feedback with the payments team! 

I already did MONTHS ago.  I shared it with brian_burke@ebay .

@mam98031 and I'm positive Brian shared that feedback with the payments team at that time. I've also just shared your feedback with that team. If something hasn't been changed or updated based on member feedback then it shouldn't be taken as an indication that the Community team, including Brian B, didn't pass that feedback along. Feedback is reviewed and considered for future updates.

 

Ultimately, these types of changes need to be prioritized with other projects, coded, then implemented which all takes varying amounts of time. I don't know if the payments team has changes like the ones you've mentioned on their roadmap, but the feedback has definitely been shared with them.

Brian,
Community Team
 

 

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Message 111 of 129
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Chargeback

Which is way all these changes have to be tested and vetted before not after being rolled out. 

Ebay had Paypal as the template- Industry standard processing.  Instead of taking everything Paypal does right and excellent and making some improvements- Ebay scrapped everything that works and doubled down on screwing the sellers by isolating themselves from any risk or liability. No partnership here. Just ebay making  money on sellers backs all the while giving us the middle finger. And lying the whole time-

" MP will be cheaper"- nope.

"MP will be more streamlined"- nope.

"MP will give you more protections"- HUGE NOPE.

"MP will be able to help you because it will be all under one roof"- nope, just a CS department that stonewalls everybody with an issue

Oh and btw- it will take longer to get paid, we will reach into your account without your permission at any time to take money and we will take your store fees out a month ahead of time before service rendered

 

Managed Payments was created for one sole purpose- To benefit Ebay shareholders at the expense of it sellers/buyers/ users.   The only other people who benefit are the scammers because they know they have a 100% chance of winning the chargebacks and Ebay laughs at the seller as they take the money from them.

 

This post is not a complaint or just a negative rant- it is a true reality of the  shortcomings of the payment system ebay designed. It should be used by ebay to understand how its customers feel about it and use that feedback to improve instead of dancing the line of how much abuse will they tolerate before leaving

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Chargeback

...very good beginning statement in prosecution...

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Chargeback

Well if that's the case Sellers should be allowed to defend themself with more than uploading one random photo with no text to explain themself, don't you think?

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Chargeback

Not true if you dispute collection within 30 days advising you don't owe the money, and telling collection agency never to contact you again. Then dispute with the 3 credit bureaus. 

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Chargeback

I think Seller's are protected after a watch is validated through eBay's Authentication program and mailed to the Buyer.

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Chargeback

It’s horrible but that is what eBay has become. I had a issue just like that and same **bleep** from eBay. Customer service is a joke and are not there to help just to tell you how concerned they are but to bad nothing we can do. As far as seller protection there is none, I lost 3800.00 at one point I was told it may take longer for a seller protection answer due to the amount, what does the amount have to do with anything. eBay is no better than the dishonest scammers they call buyers and this will only get worse because they allow it to go on. Good luck.

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Chargeback

100% RIGHT, keep speaking out someday maybe this will get corrected. 

Message 118 of 129
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Chargeback

eBay does nothing and even with written proof from a scammer who first claimed damage in shipping after 6 weeks and lost then went to cc company and claimed NAD and full refund and kept the item. They had all the messages and false claims from the buyer and they did NOTHING.

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Chargeback

These are not misunderstandings by people who don’t remember a purchase these are scammers and theft.

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