Crooks getting way with INAD chargebacks!

[sweet_scents_plus]

Sellers don't have a chance in an item not as described case! Disputing the bogus chargeback case that my buyer filed with his payment institution, 1 picture was all allowed, no text explanation, no purchased product receipt, absolutely nothing else. This is robbery with no protection from ebay. First one EVER had, been selling since 2004. It's not financially smart to pay probably 30% interest on monthly purchases, so of coarse the credit card company's will comply - they wanna keep ya around! Ebay should do like another venue I sell on. If a buyer goes over their head doing that before trying to work out a return/refund through them, they suspend their account indefinitely! Also they have shipping label insurance, if print their labels & an item's lost in transit (even 1st class mail) the buyer gets refunded & the seller too at the rate selling it for! Ebays the largest auction site ever & could certainly learn a thing or two from some of the smaller fellas!!!

[ittybitnot]

 1 picture was all allowed, no text explanation,

Yes, I have seen a few screen shots of the "Payment Dispute" and how it is presented to the seller.  The choice is to refund the buyer, or submit one photo as some sort of "evidence".  There isn't even a choice to "return for refund".  Even for eBay this was quite shocking to say the least. 

Is there a size limit on that one photo?  

[18704d]

I don't understand?

You're saying.. if a buyer files a Not As Described.. the first time eBay should indefinitely suspend them????

and you don't use delivery confirmation, that a buyer with Not Received should Not get a refund?

Sorry,

Lynn

[ceyvov_0]

If anything the credit card companies should be called out on this, however...

The issue is that most any card holder is ALLOWED to file a complete nullification of most ANY charge they please, for most any reason, and that credit card company will issue a REFUND regardless.

That has been this way for as long as I can remember.

I can also remember, do that so often and one day the credit card company says no, no more.

So the only real question here is, who paid for it before?

Someone always has to pay for it, I think maybe Paypal may have took up the charge before MP came along.

Seems apparent eBay doesn't want to pay for it.

So the question is, how do other venues handle it?

If it's across the board, and I suspect it might be...
Seems to me, the only choice is to raise prices to compensate for the loss.

[wastingtime101]

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@sweet_scents_plus wrote:

Sellers don't have a chance in an item not as described case! Disputing the bogus chargeback case that my buyer filed with his payment institution,

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You're right that you don't have a chance. You'll lose a not as described chargeback along with your final value fees, and you'll get hit with a $20 chargeback fee, to boot. Better to refund and message the buyer a return shipping label with hopes they'll send it back.

[mam98031]

You are mixing terms used on Ebay so it makes your story / problem a bit hard to follow.

Was the INAD opened via an Ebay claim?

A Chargeback is when a buyer files their dispute directly with their CCC [credit card company], or did your buyer do a chargeback?

You are in MP and if this was actually a Chargeback, the only think you can do is upload tracking to the dispute.  They don't allow for any other information to be added to the claim.  I have brought this to the MP Teams attention as this is a serious flaw in the system.  Sometime, in fact most times, sellers are likely to have information that could impact the outcome of a chargeback but have no way of doing so directly in the chargeback that was filed.  That is simply wrong and not a well thought out program.  

Insurance on a package is something a seller can always purchase if they want.  But insurance is not going to help with most INADs unless it was an INAD for damaged during shipping.  Beyond that insurance won't help you if you shipped the wrong item or there was something wrong with it that had nothing to do with shipping.  Or like you said, it was lost in transit.  But that you can't file with on the insurance for about 30 days.

Ebay hasn't been primarily a auction site in many years.  Some categories auctions still do well, but in most it is fixed priced listings.  In fact about 80% of listings on Ebay are now FP.  

[femmefan1946]

The buyer claims the item is Not As Described.

You disagree.

EBay doesn't care who is right.

EBay instructed you to send a Return Shipping Label.

You don't want to because you disagree with the NAD.

EBay told you to refund the buyer.

You don't want to because you disagree with the NAD.

EBay will allow you to refuse the return but they will refund the buyer and come to you for their money.

And you gave them access to your credit card/bank account.

You can demand that the buyer return the item. You can do that by sending the Return Shipping Label.

Even sellers with a No Returns policy are allowed to demand returns.

If the buyer does not return the item, you win the Dispute and keep the payment.

Eventually the unused Return Shipping Label will be refunded.

The buyer will not be able to leave feedback.

This is your first failed transaction since 2004? You are well within industry standard of ~1% on returns and refunds.

This is just a business expense. It's not personal.

[sweet_scents_plus]

No Hun, this is a chargeback through his credit card company, went directly to them, didn't even try to initiate a return/refund through ebay. Guess he figured wouldn't win due to messages I had.. FIRST, he initially got upset bc I wouldn't volume discount on 3 of the same discontinued products, so after griping he buys just one. I shipped the next day. Then he files an item not received case after only 11 days (usps is experiencing delays). But the item was indeed delivered the very next day (received after 12 days) When got it then he starts cussing me claiming the item is fake! It all boils down to spite & wanting something for free. And it had delivery confirmation, I wouldn't be crazy enough to sell on auction sites without it. But packages do sometimes get lost in transit, so what I meant is another venue refunds both buyer & seller if that happens. And yes, I do agree with suspension if FIRST you don't ask the seller or the auction site's customer service to assist with an issue. Going over their head like that smells like fraud & 99% of the time is!

[sweet_scents_plus]

Yes 1.5

[sweet_scents_plus]

Yep, didn't have a chance tho, he went straight to chargeback with his credit card company. And this being my first experience with such, disputed it not knowing until reading on the community boards about the fee to come etc. I'm thinking he's ripping off sellers on his purchases & then reselling bc can see from his 4 listings he actually lives in Virginia but edited the address having the item he purchased from me shipped to Maryland. With most sellers, he probably intimidates them into refunds having them fear negative feedback but found out thru messages I was not gonna fall for it. Called him out on leaving negative feedback on his last 3 purchases before mine, all straight in a row! I can't state his complete ebay id bc it's not allowed, but will say should've known to immediately block him when saw "Cassinova" as the beginning portion of it. =/ 

[sweet_scents_plus]

He went straight to his credit card company & filed a chargeback, bypassed ebays return/refund process.

[sweet_scents_plus]

Nope, he didn't initiate refund through ebay, have done those understand the process completely. This is a chargeback through his credit card company claiming item not as described, he bypassed ebay with that. Yes, this type IS a first for me.

[sweet_scents_plus]

Exactly, and it's a no win without protection or even ebays willingness to argue the fraud by examining all correspondence to see what REALLY transpired. Ebay may not be able to win against credit card institutions, but as much as we pay for Seller fees, you'd think they could afford to cover us that little bit when common sense proves it's fraud. They're multi rich & we're small business. The buyer obviously didn't do the process through ebay knowing from our correspondence he'd have to send the item back before getting a refund. He wanted it for free, if it was indeed fake, he wouldn't have wanted it period lol. And it's not even the loss of money that bothers me, more the principal of the crooked minded getting away with this. Sellers can file losses on their taxes anyway, but in a nutshell "somebody" pays bc a thief was allowed to walk!

[sweet_scents_plus]

Typo correction > "Cassanova" only the first portion of id, don't know how accidentally spelled it wrong first time.

[b86fiero]

I am in Managed Payments.  I had 2 chargebacks filed against my account last year.  eBay handled them on my behalf.  eBay won both.  I lost nothing.