eBay

sin-n-dex · ‎11-09-2022

I asked this before... was told 2-3 months.

Last Thursday I got a payment dispute (CC Chargeback), I uploaded tracking and sent a nastygram to the buyer telling him he knows he bought this stuff, now call the bank and straighten this out.

Tuesday morning the dispute was closed in my favour.

I've never heard of a dispute being closed so fast in the event of a chargeback. The last one (and only one) I was involved in took 3 months. I accepted liability because it was ESE, and eBay decided to ignore this and fight it on my behalf. I won, but it took 3 months. They released the hold on my money after a few weeks though, so I had assumed I lost due to accepting it and agreeing to refund.

I'm wondering if the reason it was closed so fast was because the buyer did call his bank and ask them to close it. (I suspect his wife was the one who did the dispute). He never messaged me back, but if it's likely he did call his bank and close it I might deal with him again. (His wife might not have known he spent $260 on eBay buying stuff, from what I gathered in talking to him before the sale, these were supposed to be gifts for his wife's family - Canadian coin sets, she's from Newfoundland). So she sees the transaction and disputes it.

C.

lakefor94 · ‎11-09-2022

Sounds like an effective nasty gram

Posting ID

retro_entertainment_collectibles · ‎11-09-2022

Timing depends on process speed and I've no idea if the traditional players are all involved in eBay's transactional system.

For example, back when I'd merchant account w/ EMS Systems and later Card Service Intl. Card service was MUCH faster in dispute resolution and costed less. With EMS and our backend processor was Wells Fargo where-as Card Service also actually performing processing was quite different. If you bought a widget from us for $1 and did a chargeback it instantly cost us $75. That's $25 processing fee from EMS, $25 from the aggregate Wells Fargo and $25 from Chase our bank. Those just standard fee's. Every time respond to the dispute another $25 processing fee.

Likely eBay's process is different as it was with PP.

sin-n-dex · ‎11-09-2022

@retro_entertainment_collectibles wrote:
Timing depends on process speed and I've no idea if the traditional players are all involved in eBay's transactional system.
For example, back when I'd merchant account w/ EMS Systems and later Card Service Intl. Card service was MUCH faster in dispute resolution and costed less. With EMS and our backend processor was Wells Fargo where-as Card Service also actually performing processing was quite different. If you bought a widget from us for $1 and did a chargeback it instantly cost us $75. That's $25 processing fee from EMS, $25 from the aggregate Wells Fargo and $25 from Chase our bank. Those just standard fee's. Every time respond to the dispute another $25 processing fee.
Likely eBay's process is different as it was with PP.

It irritates me that a charge back of a few dollars can cost the vendor so much, when a simple return would do the trick and cost a lot less.

I've been on both sides though... I do the books for my partner and his business, and we had a $150 eBay charge on one of the credit card statements. We checked all our accounts (4 between the two of us), just to make sure I didn't buy something and forget which card I used. But we found no eBay purchases close to that amount or close to that date, so my partner effectively did a chargeback with his bank, cancelled his card, and replaced it. We figure someone who had the card info used it on their account to purchase, but as it was not done by us, we couldn't find out what was purchased with the card.

One of our accounts is tied to his corporation (and had his credit card on file), and sometimes I purchased on there (mostly without realizing I was logged in, this account was on the Canadian eBay and I'm logged in as sin-n-dex on the US site, when I flipped to the Canadian site to find sellers who ship to Canada, I accidentally ended up logged in on the other account). We checked that just to be sure it wasn't me, but it would appear the card as compromised.

C.

bbravo65 · ‎11-09-2022

...your buyer had a "good housekeeper"...lol...

retro_entertainment_collectibles · ‎11-10-2022

Strange things can happen moving from site to site and said sites should clarify where one is perhaps within the logo itself.

Card franchises and aggregates make money coming and going almost no matter the circumstance, it's a very rated game. We'd a storefront way back when and a fella from Mexico placed an order, we processed it. Next day another, then another. We'd three day lag in shipping which basically cover buyers remorse instead something's already being out the door and the buyer wanting cancel. Each order placed had a different card number which between that and Mexico set off flares. So we call our merchant account provider who tells us, "We can either fulfill or cancel the orders, up to us to take the risk."

Like we didn't already know that... We cancelled out, more orders came over following several days. It was our actual bank (Chase at the time) risk assessment we had look into it, cards were all not in the buyers name nor did any of the addressing pass address validation albeit not uncommon w/ international orders.

We call our merchant account provider again to tell them, cards are stolen. Now one might think they do something? Nope. We called both Visa and Mastercard direct, you'd think they'd do something? Nope. Call Chase risk assessment back, tell them what we'd experienced and they actually called Visa/MC and behold, things happened. It was ONLY then that we received a call from the card franchises asking we Fax data.

Went back and forth and they were all about "CVC" code being protection against card theft. Huh? It's supposed to be a verification system, ok... Someone gets cards numbers or just runs some software makes random valid numbers CVC can stop purchases. But card stolen the perp has the CVC right?

That caused my other half back then, very very smart lady to create a system. Basically speaking, person performs purchase, charge happens and the consumer is given a unique validation code . The consumer simply need go to their bank, any ATM or even their online bank and validate the transaction with said code.

Sure... Little more a pain in the booty but wham, stop a whole ton of fraud. She presents it and you'd think she was trying sell snow to Eskimo's.

They make money coming and going...

sin-n-dex · ‎11-10-2022

@retro_entertainment_collectibles wrote:
Strange things can happen moving from site to site and said sites should clarify where one is perhaps within the logo itself.
Card franchises and aggregates make money coming and going almost no matter the circumstance, it's a very rated game. We'd a storefront way back when and a fella from Mexico placed an order, we processed it. Next day another, then another. We'd three day lag in shipping which basically cover buyers remorse instead something's already being out the door and the buyer wanting cancel. Each order placed had a different card number which between that and Mexico set off flares. So we call our merchant account provider who tells us, "We can either fulfill or cancel the orders, up to us to take the risk."

Like we didn't already know that... We cancelled out, more orders came over following several days. It was our actual bank (Chase at the time) risk assessment we had look into it, cards were all not in the buyers name nor did any of the addressing pass address validation albeit not uncommon w/ international orders.
We call our merchant account provider again to tell them, cards are stolen. Now one might think they do something? Nope. We called both Visa and Mastercard direct, you'd think they'd do something? Nope. Call Chase risk assessment back, tell them what we'd experienced and they actually called Visa/MC and behold, things happened. It was ONLY then that we received a call from the card franchises asking we Fax data.
Went back and forth and they were all about "CVC" code being protection against card theft. Huh? It's supposed to be a verification system, ok... Someone gets cards numbers or just runs some software makes random valid numbers CVC can stop purchases. But card stolen the perp has the CVC right?
That caused my other half back then, very very smart lady to create a system. Basically speaking, person performs purchase, charge happens and the consumer is given a unique validation code . The consumer simply need go to their bank, any ATM or even their online bank and validate the transaction with said code.

Sure... Little more a pain in the booty but wham, stop a whole ton of fraud. She presents it and you'd think she was trying sell snow to Eskimo's.
They make money coming and going...

Just an aside to your story about fraud...

When I was selling jewellery in 2009, I was contacted by a guy in England who wanted to buy 1 oz of gold. I wasn't comfortable with this, but asked for payment info. He sent two consecutive credit cards (the first 12 numbers are consecutive, the last 4 numbers are the pin). I told him the cards were declined because I didn't want to process the sale, and he sent me with two more consecutive cards.

I called our payment processor (Chase at this time) and reported that someone of knowledge of card numbers being issued was trying to use them to purchase items of value. (And the real card holder would not know they've been compromised, until the charge was posted). It's obvious the numbers came from an inside source, as I was given twice consecutive numbers.

Don't know what happened, but I reported it, so I did my part.

C.

retro_entertainment_collectibles · ‎11-12-2022

@sin-n-dex

I once read how the numbers of a CC or Debutt card validate, checksum. Back in the day I'd plans of making card processing software as it was all insanely expensive. That didn't work of course. There's quite a bit of that "didn't work out of course" when it comes to sales online.

I see you're in N. Falls, we're almost neighbors as the same rain drops tend to fall upon our heads.

"Rain drops keep falling on our heads but that doesn't mean our cries will soon be heard I bet? No one seems to hear, no... Rain drops keep falling on our heads they keep falling. So I just did me some talking to the sun and he replied I need hat but wouldn't pay for one! Nothing seems to fit, no! Raindrops keep falling on our heads they keep falling."

stacy_pme · ‎11-12-2022

Can we get a redacted copy for us to use in the future? LOL

sin-n-dex · ‎11-12-2022

@stacy_pme

Hi,

I just received a payment dispute from you saying you do not recognize this transaction. You purchased (item). (More transaction specific details)

The items were delivered to you on (date). I've attached two feedback (screen cap) you left for items purchased in this transaction that said what you received is (feedback details). I'm hoping you remember this transaction now and will take appropriate action to notify your bank that there is nothing wrong with this transaction and end the dispute process.

Regards,

*****

The dispute was resolved in three business days of me sending this.

C.