More Chargebacks?

[bigdeals.etc]

Have any of you noticed that you are getting more chargebacks than usual compared to common ebay returns/INRs/cases?

I've noticed a surge in chargebacks. Buyers don't go to ebay at all to initiate these chargebacks right? So this surge isn't caused by any ebay page interfaces, correct? I wonder why these buyers are filing chargebacks rather than the simpler ebay case.

This would concern me because of the whole "SNAD chargeback" total loss loophole (as well as item loss) vs being able to fight (or accept and get the item back) SNAD if it was on ebay.

[pburn]

There's nothing simpler than filing a chargeback on a credit card. Other than "unauthorized use," or claiming that the item hasn't been received, it's pretty much a slam-dunk for a buyer to be refunded through a credit card chargeback. The credit card companies find for their customers 99.99% of the time.

I think it's just the fastest, cleanest, most simple way for eBay buyers to get their money back without having to return . Much faster than filing a SNAD with eBay. And I think unscrupulous buyers have discovered that fact.

[ra_201044]

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@bigdeals.etc wrote:

Have any of you noticed that you are getting more chargebacks than usual compared to common ebay returns/INRs/cases?

I've noticed a surge in chargebacks. Buyers don't go to ebay at all to initiate these chargebacks right? So this surge isn't caused by any ebay page interfaces, correct? I wonder why these buyers are filing chargebacks rather than the simpler ebay case.

This would concern me because of the whole "SNAD chargeback" total loss loophole (as well as item loss) vs being able to fight (or accept and get the item back) SNAD if it was on ebay.

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Asked and answered.

[bigdeals.etc]

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@pburn wrote:

There's nothing simpler than filing a chargeback on a credit card. Other than "unauthorized use," or claiming that the item hasn't been received, it's pretty much a slam-dunk for a buyer to be refunded through a credit card chargeback. The credit card companies find for their customers 99.99% of the time.

I think it's just the fastest, cleanest, most simple way for eBay buyers to get their money back without having to return . Much faster than filing a SNAD with eBay.

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Dangit. That's what I feared since I don't really have experience filing a CC chargeback.

[bigdeals.etc]

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@ra_201044 wrote:

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Asked and answered.

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That's actually relatively new info within these boards. Many chargebacks I get are usually unauthorized or INRs, very few SNADs... for now 😥

[ronsam-197]

It seems that MP doesn't get UAC as we knew them on PayPal. They all seem to be "unrecognized transaction" which apparently also doesn't qualify for UAC  "seller protection" (how convenient) and don't forget the $20 "fee for fighting the dispute" you'll be charged for each one you lose.

[bigdeals.etc]

Welcome to MP everyone.

[rons_sales]

yep alot of **bleep** returns just got another one says the item dont work well it came off a running car 

bet i plug it back in and it will start the car 

[calntom]

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@pburn wrote:

There's nothing simpler than filing a chargeback on a credit card. Other than "unauthorized use," or claiming that the item hasn't been received, it's pretty much a slam-dunk for a buyer to be refunded through a credit card chargeback. The credit card companies find for their customers 99.99% of the time.

I think it's just the fastest, cleanest, most simple way for eBay buyers to get their money back without having to return . Much faster than filing a SNAD with eBay. And I think unscrupulous buyers have discovered that fact.

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How many CC chargebacks can a cardholder file before the CC Company/Bank says too many?

[futuremarine2011]

very good question. has to be a limit or it will turn around and bite them in the **bleep**

[dhbookds]

Have you looked at a charge from ebay on your cc statement?  lol.......... First I tried to tie it to shipping or a return charge.........then I suddenly snapped that it was a couple of purchases........and the invoice charge........

They aren't easy to id........

[pburn]

I don't know. A few, I suppose, but that doesn't have anything to do with the OP's situation, does it? We don't know how many credit card chargebacks the OP's buyer has filed, so it's a moot point.

[aabalat_fine_and_rare_wines]

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@pburn wrote:

There's nothing simpler than filing a chargeback on a credit card. Other than "unauthorized use," or claiming that the item hasn't been received, it's pretty much a slam-dunk for a buyer to be refunded through a credit card chargeback. The credit card companies find for their customers 99.99% of the time.

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I disagree.   We do not do payments through the ebay system, we take credit cards directly.    Because of this, there is no SNAD claims as ebay is not part of the payment process, the customer would have to file a claim directly with their credit card company.    

Although we do not have many problems with this it does occur, normally when people do not read the item description... as shocking as I know it is for those of you reading this, that actually happens.  

We sell some items that are damaged, bottles of wine that the labels are torn or the bottles may have leaked in the past.   Maybe once a year someone buys a bottle and when it arrives they email and say the label is torn.   We refer them back to their ebay items page to review the pictures, they see they didn't read the description and we work it out with them.    For those that have chosen to take it up with their credit card company and initiate a charge back I am happy to report that we have never lost a case in the 15 years I have been with the company.   Unlike ebay "customer service" the credit card company will actually review the evidence and follow their own policy.   One of those policy item is that you cant have your money and the item, although we had a person charge back year before last who returned the bottle AND lost the charge back with their credit card company so they had no money and no item.   When they charge back, we print the ebay item page and include it along with the response.   That along with the signed delivery confirmation from the shipper pretty much seals the deal for the credit card company in my experience.   

I am not here to make the credit card companies out to be angels, they are the cause of many  problems.   In this instance however, I have to give credit where credit is due.   They create a policy, and they follow it.   Many times the problem here is ebay themselves not following the policy they themselves create.   They have outsourced their "customer service" to the lowest overseas bidder and we get what they pay for.    

I truly feel for those here stuck living under their system. 

[pburn]

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@aabalat_fine_and_rare_wines wrote:

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@pburn wrote:

There's nothing simpler than filing a chargeback on a credit card. Other than "unauthorized use," or claiming that the item hasn't been received, it's pretty much a slam-dunk for a buyer to be refunded through a credit card chargeback. The credit card companies find for their customers 99.99% of the time.

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We do not do payments through the ebay system, we take credit cards directly.    Because of this, there is no SNAD claims as ebay is not part of the payment process, the customer would have to file a claim directly with their credit card company.    

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Your selling procedures are hardly representative of the sellers who frequent these discussion boards, or most sellers in general, for that matter. 

I would also suggest your success in defending against credit card chargebacks is not, unfortunately, the usual outcome for most sellers.

[bimmerpc1]

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@bigdeals.etc wrote:

Have any of you noticed that you are getting more chargebacks than usual compared to common ebay returns/INRs/cases?

I've noticed a surge in chargebacks. Buyers don't go to ebay at all to initiate these chargebacks right? So this surge isn't caused by any ebay page interfaces, correct? I wonder why these buyers are filing chargebacks rather than the simpler ebay case.

This would concern me because of the whole "SNAD chargeback" total loss loophole (as well as item loss) vs being able to fight (or accept and get the item back) SNAD if it was on ebay.

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Times are tough.  People will do a lot to avoid paying a bill, especially one owed to an internet stranger.

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@rons_sales wrote:

yep alot of **bleep** returns just got another one says the item dont work well it came off a running car 

bet i plug it back in and it will start the car 

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They used your item to troubleshoot their car.  Car still doesn't work, so your item must be at fault.