FRAUDULENT CHARGEBACK

[wwitz]

I recently old a GPU on eBay for $375 with free shipping. The buyer received the item and waited ten days to claim that the video card didn't work. eBay froze my payment. I immediately offered a refund and said that when he returned the card, I'd refund his money. Then paid for a shipping label and sent it to the buyer. Under eBay's return policy, he had until August 5th to return the item. He hadn't returned it by the 15th. I notified eBay that the buyer hadn't returned the card and asked for my money to be released. I communicated with eBay by email. After a week or so, eBay notified me that my money would be released. I waited and it hadn't been. Again, I emailed eBay and they said the money would be in my account in a few days. The next day, the money was moved into my bank account. I didn't know, but eBay had sent an eBay message to me telling me about the buyer filing a chargeback with his card company. They said I had a day to respond or the case would be decided in favor of the buyer and the money would be taken from my payment source. I was dealing with eBay by email and by their online chat, not eBay messaging. While I was dealing with them in these manners, they decided against me and I missed the deadline they had imposed. So I lost my GPU valued at $375 and the $375 they deducted from my  payment source and had the nerve to deduct another $20 from my source as a fee. So listing on eBay cost me $770. 

[dbfolks166mt]

     Actually you only lost the cost of what you paid for the GPU, the outbound shipping, the eBay fees and the $20. The $375 is what you sold it for and I am assuming not what you had invested in it. With regards to the chargeback eBay has nothing to do with that it was the CC company that made the decision and they are also the ones that charged you the $20 processing fee. 

     This is becoming all to common a post on this forum and chargebacks are becoming the norm as opposed to buyers opening eBay cases. I fear it is only going to get worse. 

[bbravo65]

...a professional scammer was granted all the benefits from eBay...

...when will these transaction disputes be notified and taken legal action to stop, especially starting from eBay...???

...sending my empathy toward your situation, the OP...

[ittybitnot]

 While I was dealing with them in these manners, they decided against me and I missed the deadline they had imposed. So I lost my ....

@wwitz 

As I see it you LOST by not responding to the dispute on time.   If the dispute had been for the "same reason" as the eBay claim in which you prevailed, there is a possibility that you would have had seller protection.  I say only "possibility" since this is, after all, eBay.  

Just briefly: 

When a buyer opens a payment dispute because the item doesn't match the listing  seller protection should be provided for a subsequent Payment Dispute (chargeback) if it is for the same reason. 

However, I would assume you have to respond to the Payment Dispute case anyway, or it defaults to the "you lose" situation. 

https://www.ebay.com/help/policies/selling-policies/payment-dispute-seller-protections?id=5293#actio...

It appears that eBay is abandoning some of these "protections" anyway in favor of "it is the credit card company and nothing we can do",  "eBay has no control, it is the credit card", or "ebay just goes along with the credit card decision (thank you very much for your $20 donation).

If the reason for the Payment Dispute was different as in "didn't recognize the charge" there is a distinct possibility you would be 'up the creek' anyway due to the evidence that eBay is not following their seller protection policy for these either EVEN IF YOU REPLIED ON TIME. 

Can you tell us to what city/state this item was shipped?   

[wwitz]

It was shipped from Virginia.

[ittybitnot]

It was shipped from Virginia.  

@wwitz 

TO where?  

[coastaltechsolution]

Chargeback from Credit Card Company Sellers will lose 99.988% of the time 

[imac7065]

I have faced a few of these.. frustratingly only since managed payments became a thing (been selling on ebay for over 20 years and only in managed payments has this ever been an issue).....

I have subsequently learned if a customer files a chargeback as "item not as described"... not matter the outcome on ebay... no matter whether they return the merchandise or not.. the CC company will always side with the buyer. IE legalized theft.

I'm sorry to anyone reading this that does not believe what I just wrote.. but I lost $700 on a case where the customer thought they were charged twice (they weren't) filed a chargeback as "not described" BY ACCIDENT... and even though I had e-mails from the buyer saying they loved the item and have no issue other than believing they were charged twice... I lost the case. Welcome to America folks.

[haha-607197]

---

@ittybitnot wrote:

Can you tell us to what city/state this item was shipped?   

---

Wondering has Florida fallen in use as a freight forwarding mecca ever since its MF sales tax collection began.

[u_cant_take_it_with_u]

Doesn't a CCC first conduct an investigation, that usually takes a number of days? I mean they just don't pull back the funds willy-nilly, end of story, to do they? 🤔

[haha-607197]

---

@u_cant_take_it_with_u wrote:

Doesn't a CCC conduct an investigation first, that usually takes a number of days? I mean they just don't pull back the funds willy-nilly, end of story, do they? 🤔

---

The funds are recaptured and a punitive fee is levied as soon as a chargeback is launched. Then the merchant account, Adyen or PayPal, may attempt to refute the chargeback.

[u_cant_take_it_with_u]

So, if I understand this correctly, because of all of the [for lack of a better term] middle men involved in this, the individual (seller) who actually sustains the loss has virtually no say in this argument??   As one who appreciates perspicacity, scruples, and  ethics, that just does not seem cricket.  But then, I guess .. This IS ebay. 

[ittybitnot]

Wondering has Florida fallen in use as a freight forwarding mecca ever since its MF sales tax collection began.

@haha-607197 

I live in FL, and there were some complaints by buyers that use the Miami/Dade forwarders that they were being charged sales tax.  FL's answer was to provide these addresses with a special zipcodes that would designate a tax exempt status.  I don't have any update as to the progress of that plan or if eBay has made arrangements for same. 

Some one suggested that is why a lot of the forwarders in California moved to Oregon. ...LOL. 

[imac7065]

I've won 2 out of 3 and believe me.. I'm not that lucky lol.. if they file as item not received and you have confirmed tracking.. you will win.

[dbfolks166mt]

If you won 2 out of 3 chargebacks you should consider yourself lucky. Even confirmed tracking does not always prevail based on some of the postings on this forum regarding chargebacks. Curious if the one you lost was also an INR you had confirmed tracking for??