I won a charge back

[b86fiero]

Buyer filed a claim with her credit card company claiming she was charged an incorrect amount for her purchase.

eBay added sales tax to the item price at checkout before buyer paid. 

I am in managed payments.  eBay handled the dispute and won.  Buyer did not receive a refund.  I did not lose my merchandise.

Good for me  😁

[southern*sweet*tea]

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@webgirl_123 wrote:
I won a charge back case with PayPal in December. Buyer claimed an authorized transaction. I followed all instructions PayPal advised. They decided case in my favor. It was expensive purchase.

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Unauthorized chargebacks are slam dunks to win. All you need is tracking showing that you SHIPPED to the buyer's address. You will win one every single time.

Not as described chargebacks through Paypal are nearly IMPOSSIBLE (if not completely impossible) for a seller to win.

[webgirl_123]

To your surprise, I just won “Not as described “ case with eBay.

[b86fiero]

General reply to the thread ...

Seems more and more buyers are going directly to credit card charge back claims instead of filing a regular return.  Don't know if it is because most not only win the charge back case but get to keep the merchandise for free. 

Back door scams are becoming common so I am extremely grateful that eBay has improved seller protection with managed payments and is backing those promises.

In the recent past I lost one charge back to a claim of "the transaction was ambiguous" - whatever that means.

And I won one snad return claim.  

I also had 2 buyers open simple returns then decide to keep the item.

Some may view eBay as moving at a snail's pace to enhance seller protections but what is now in place is a vast improvement over past policy.  As the marketplace continues to evolve in 2020 I expect further protections to be enacted.  

[b86fiero]

webgirl - congrats on winning your NAD case.  😀

[southern*sweet*tea]

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@webgirl_123 wrote:
To your surprise, I just won “Not as described “ case with eBay.

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Sellers have won SNAD cases with Ebay - it's not common, but it does happen. It's practically impossible to win one  with Paypal, which is what I was referring to.

[gwgw-73]

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@webgirl_123 wrote:
To your surprise, I just won “Not as described “ case with eBay.

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And this is why sellers don't at PayPal, however; look for "not as described":

This section describes PayPal’s Seller Protection program. PayPal’s Seller Protection program may apply when a buyer claims that:

1. They did not authorize, or benefit from, funds sent from their PayPal account (referred to as an “Unauthorized Transaction” claim); or
2. They didn’t receive the item from you (referred to as an “Item Not Received” claim).

PayPal’s Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer’s bank.
https://www.paypal.com/us/webapps/mpp/ua/useragreement-full

[magicjohnsonsvariety]

Here's to hoping you're right. 

For the record, I did win my one and only Paypal chargeback a couple years ago.

Something about unauthorized use...yet buyer actually forgot he left positive FB a couple months earlier for the transaction.

Sad that some people stoop this low. 

[b86fiero]

In the past I won 2 charge backs on Paypal for item not received - just had to provide the tracking number proving the item was delivered.

I lost one on Paypal that was sad and pathetic.  Husband and wife used one credit card for online purchases.  Wife bought from me and several other eBay sellers.  During bitter divorce husband filed unauthorized transaction on every purchase his wife made for as far back in time as he could.  Wife contacted me and other sellers explained what was occurring and apologizing profusely.  We all got hit with $20 - $22 charge back fees.  Nothing could be done as the card was in his name.  Paypal confirmed the wife's version to me via phone.

[68barbie]

I won a PayPal NAD chargeback within the past 6 months. It is NOT impossible but you have to be patient and stick to the three magic words: Return for refund. The buyer's bank agreed if they wanted a refund they would need to return the item. The buyer refused and I won the case. It took several weeks for it to play out but in the end my funds were returned and the buyer was left fuming. 

-C

[gwgw-73]

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@68barbie wrote:

I won a PayPal NAD chargeback within the past 6 months. It is NOT impossible but you have to be patient and stick to the three magic words: Return for refund. The buyer's bank agreed if they wanted a refund they would need to return the item.

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Be prepared for the buyer knowing for a SNAD chargeback:

1. Your return policy is irrelevant.

2. The seller pays for return shipping.

[mam98031]

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@b86fiero wrote:

Buyer filed a claim with her credit card company claiming she was charged an incorrect amount for her purchase.

eBay added sales tax to the item price at checkout before buyer paid. 

I am in managed payments.  eBay handled the dispute and won.  Buyer did not receive a refund.  I did not lose my merchandise.

Good for me  😁

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You would have won this through PP too.  And that is exactly what should have happened.

[68barbie]

Part of the back and forth communications was for me to state my return policy. I offered to extend my normal 30 day FREE returns to 180 days since PayPal and most credit card providers offer that protection. Since I was not privy to the buyer's communications with their credit card provider I assumed they 1) stated they had no intention of returning the item or 2) the credit card provider gave them a time limit to respond to my offer and it expired. 

As I said before, it was a drawn out process. The buyer made their purchase in March, filed the chargeback with their credit card in May and it was not settled until July or even later, if memory serves.

So, a credit card chargeback for not as described CAN be won as long as you offer a generous return policy in good faith. If a buyer is truly unhappy with their item, they will return it. If they are merely looking for a freebie, they might not be as supported as they are led to believe.

-C

[southern*sweet*tea]

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@68barbie wrote:

So, a credit card chargeback for not as described CAN be won as long as you offer a generous return policy in good faith. If a buyer is truly unhappy with their item, they will return it. If they are merely looking for a freebie, they might not be as supported as they are led to believe.

-C

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This is all true...BUT...it depends on the card and how friendly that card is to their  interest paying customers. All a buyer has to do is make an ATTEMPT to return, and an attempt can be as little as asking a seller IF they can return. That's all it takes.  If the seller says no, or makes it difficult by requiring the buyer to pay return shipping, the card will most often back their buyer and allow the refund, because they can see that the buyer did make an attempt, no matter how feeble it was.

Think about it: who does the credit card company want to make happy? Some random online merchant, or a consumer who merrily forks over 15-30% interest to them monthly? If I'm a credit card company, I'm going to want to back the sucker who pays them interest over the poor seller who's just trying to make a living.

You won it because you made it EASY for the buyer to return by offering free return shipping. The card company could not deny that. The buyer had no reason NOT to return. The only reason they didn't return is because they wanted the item and their money back. Credit card companies may be evil, but they're certainly not stupid.