How long to resolve a payment dispute?

[sin-n-dex]

Buyer did a payment dispute on April 15 (did not recognize transaction). The item was shipped ESE and it was under $20. I accepted the dispute for the buyer to be refunded (because the alternative was for me to prove delivery, which you can't do with ESE most of the time).

It's April 28 and the $20 is still on hold. I accepted the dispute, so what's the problem?

Also does the bank charge the handling fee on disputes that are accepted? Or is it just when you fight the dispute and lose that they charge money? Just wanted to be prepared. It annoys me greatly that a buyer losing track of the things he buys is going to cost me almost $40. (And the item itself wasn't worth a whole lot... so a refund isn't great, but not the end of the world... paying a fee to the bank greater than the cost of the refund is really annoying - last one I lost was on a $4 item, but I had lost the dispute in that case).

C.

[ittybitnot]

@sin-n-dex 

It is my understanding that this sort of dispute takes a month or more.  

If you refunded the buyer for the INR,  purchased the label on eBay, see if you can file a claim for this transaction here: 

https://www.pip-claim.com/PIPClaim/eBayIntClaim/CreateeBayClaim

[sin-n-dex]

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@ittybitnot wrote:

@sin-n-dex 

It is my understanding that this sort of dispute takes a month or more.  

If you refunded the buyer for the INR,  purchased the label on eBay, see if you can file a claim for this transaction here: 

https://www.pip-claim.com/PIPClaim/eBayIntClaim/CreateeBayClaim

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This isn't an INR situation, it shows "out for delivery" but the buyer is doing a chargeback. I looked into the refund process for ESE (the burden of proof) and they want something from the buyer saying he didn't get it, not just my statement of "I don't see it delivered so it probably hasn't been". I sent a message to the buyer and they ignored me. So basically I got nada for proof.

C.

[skeletonstore]

A chargeback?   60 days or more. Funny but not funny the most common chargebacks are by accident. By the time the buyer gets their credit card statement they totally have forgotten about the purchase and file a dispute.  Then you get charged a fee and they get to keep the item in most cases.  That's my experience. 

[wastingtime101]

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@skeletonstore wrote:

60 days or more. Funny but not funny the most common chargebacks are by accident. By the time the buyer gets their credit card statement they totally have forgotten about the purchase and file a dispute.

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+1

Except I'd say 30-60 days, depending on the bank/CC.

[skeletonstore]

It's been years for me but it's such a nightmare I won't even look up some of the cases.  I remember one particularly bad one was 63 days.  Another one might have been much longer.  I never remember quick ones.  I just remember it was futile.  Seller is helpless.  

[ittybitnot]

This isn't an INR situation, it shows "out for delivery" but the buyer is doing a chargeback.

@sin-n-dex 

Those tracking numbers rarely say "delivered" .  Oftentimes "out for delivery" is the closest you will get.  They are not regular postal tracking numbers.  

eBay's stance on this issue:  

From time to time, eBay standard envelope shipments unfortunately may not track all the way through delivery to your buyer. If your buyer opens an “Item Not Received” request, please work with them to issue a refund in a timely manner. In these cases, you may also consider raising a claim to recover your lost funds.

FAQs

https://pages.ebay.com/seller-center/shipping/ebay-standard-envelope.html

You basically have already refunded the buyer.  A payment dispute (aka chargeback) with MPayments tend to drag on for a very long time. 

[ittybitnot]

@sin-n-dex 

"Doesn't recognize the charge" payment disputes (chargebacks) are countered by the seller by showing proof of delivery to the address provided by eBay.  You are likely never going to get "proof of delivery".  It is a moot point anyway since you "accepted the chargeback/dispute".  Hopefully, that will mean you won't have to pay the additional $20 fee as well. 

[sin-n-dex]

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@ittybitnot wrote:

@sin-n-dex 

"Doesn't recognize the charge" payment disputes (chargebacks) are countered by the seller by showing proof of delivery to the address provided by eBay.  You are likely never going to get "proof of delivery".  It is a moot point anyway since you "accepted the chargeback/dispute".  Hopefully, that will mean you won't have to pay the additional $20 fee as well. 

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I couldn't get proof of delivery to fight it, so I felt accepting it on a $16 sale was probably the best thing to do. (And then I'm out the item - about 50 cents - and postage - 53 cents, plus the 25 cents given to Chit Chats to process). It's pretty minor... and having to pay the $20 fee over such a tiny loss is very aggravating. I did hope by accepting it I would be spared that fee.

C.

[popblox · Accepted solution]

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@sin-n-dex wrote:

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@ittybitnot wrote:

@sin-n-dex 

It is my understanding that this sort of dispute takes a month or more.  

If you refunded the buyer for the INR,  purchased the label on eBay, see if you can file a claim for this transaction here: 

https://www.pip-claim.com/PIPClaim/eBayIntClaim/CreateeBayClaim

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This isn't an INR situation, it shows "out for delivery" but the buyer is doing a chargeback. I looked into the refund process for ESE (the burden of proof) and they want something from the buyer saying he didn't get it, not just my statement of "I don't see it delivered so it probably hasn't been". I sent a message to the buyer and they ignored me. So basically I got nada for proof.

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Unfortunately, you'll only be covered by seller protection with a status of "delivered" for chargebacks. "Out for delivery" won't cut it. What's worse is you can't file a claim with PIP because it isn't an INR chargeback and you don't have any communication from the buyer stating they didn't receive it.

Ugh, this buyer really got you on this one. I wouldn't be surprised if they saw the package status and are taking advantage of the opportunity to get some easy money. USPS really needs to do something about carriers that don't follow through with a delivery scan.

[wastingtime101]

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@sin-n-dex wrote:

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having to pay the $20 fee over such a tiny loss is very aggravating. I did hope by accepting it I would be spared that fee.

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When you do not dispute the chargeback you don't have to pay the fee, so you're in the clear on that.

The $20 fee is only charged when you fight the chargeback and lose.

[sin-n-dex]

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@wastingtime101 wrote:

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@sin-n-dex wrote:

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having to pay the $20 fee over such a tiny loss is very aggravating. I did hope by accepting it I would be spared that fee.

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When you do not dispute the chargeback you don't have to pay the fee, so you're in the clear on that.

The $20 fee is only charged when you fight the chargeback and lose.

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That's awesome. So I'm only out $1.28 on this one.

C.