Negative feedback

[sakic92710]

Such a lovely person.  Here is the proof I tried to give the refund & sent him an email explaining I have funds in waiting from a recent sale & would try to refund again once those funds clear.  I do not have a credit card to put on file to give the refund.  I thought eBay would send the refund & take the money from my delayed funds & bank account.  He lies twice in his negative.  Says I ignored the refund request & never mailed the item.  Both are untrue.  Do you feel as I do - he will just keep the item when it arrives & not reimburse me?  Dealing with this nonsense might just be the nail in the coffin for quitting eBay.  

[sin-n-dex]

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@mtgraves7984 wrote:

In Canada, debit cards are processed differently from the way they are in the USA.

@lacemaker3 

Thank you! I had no idea. Well, heck, @sakic92710. So you're POSITIVE that you don't want to get a CC?

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Getting credit in Canada is a lot more difficult, you need to show proof of income, and they have to accept what you show as proof of income.

For instance, it's easy to rent an apartment with self-employment income (if you can back it with tax returns and bank statements). Getting a mortgage on the other hand, and mine was half the cost of rent, was difficult because they didn't care about my self-employment income or sales on ebay, or bookkeeping revenue, or rental income or anything else I did to supplement my income.

C.

[sin-n-dex]

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@sakic92710 wrote:

When I want to initiate the refund, I cannot use pending funds & my bank account but when eBay steps in to refund, they can.  Complete nonsense!  There was no reason for eBay to get involved.  I would refund.  Just make it possible for sellers to use THEIR funds to do so!

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That strike on your account for eBay stepping in will hurt you down the road a lot worse than the feedback will.

C.

[chapeau-noir]

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@sin-n-dex wrote:

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@sakic92710 wrote:

The other negative had tracking.  I provided it to eBay & the buyer.  Refunded on a Thurs.  Received the item on Monday.  eBay just shrugs their shoulders.  Credit card companies want silly little thing like proof of income.  Showing them I sell online doesn't mean squat to them.

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You are actually TOTALLY right about that... There is a possibility (if you can manage) to get a secured credit card to build credit, but getting a card from a bank is next to impossible without regular income on a T4 (Canadian version of a W2 I think it is...)

I had the same issue with my bank when I applied for a mortgage. My mortgage was HALF the cost of renting, yet they're telling me I can't afford it, and every source of income I had "didn't count" because it was self-employment earnings of some kind.

I see ads for Capital One on YouTube all the time when I watch videos, might be something to look into. That will at least resolve that problem for you.

C.

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I think it is that THEY felt they couldn't afford the liability for what they felt might be an unsecured loan. I ran into the same problem with my variable wages (I earned enough, but by revenue varied wildly). It's a crank system. 😠

[sin-n-dex]

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@chapeau-noir wrote:

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@sin-n-dex wrote:

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@sakic92710 wrote:

The other negative had tracking.  I provided it to eBay & the buyer.  Refunded on a Thurs.  Received the item on Monday.  eBay just shrugs their shoulders.  Credit card companies want silly little thing like proof of income.  Showing them I sell online doesn't mean squat to them.

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You are actually TOTALLY right about that... There is a possibility (if you can manage) to get a secured credit card to build credit, but getting a card from a bank is next to impossible without regular income on a T4 (Canadian version of a W2 I think it is...)

I had the same issue with my bank when I applied for a mortgage. My mortgage was HALF the cost of renting, yet they're telling me I can't afford it, and every source of income I had "didn't count" because it was self-employment earnings of some kind.

I see ads for Capital One on YouTube all the time when I watch videos, might be something to look into. That will at least resolve that problem for you.

C.

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I think it is that THEY felt they couldn't afford the liability for what they felt might be an unsecured loan. I ran into the same problem with my variable wages (I earned enough, but by revenue varied wildly). It's a crank system. 😠

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My mortgage agent fought for me to get that mortgage, so I got it. They're the idiots, my 25 year mortgage is going to be full paid off in 7 years.

C.

[inhawaii]

@sakic92710 

All your problems would be solved if you just moved to the US.    😉

[sakic92710]

This would be a hard NO!   lol  I prefer living in a country that has much less gun violence & no Trump cult.  😛

[inhawaii]

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@sakic92710 wrote:

This would be a hard NO!   lol  I prefer living in a country that has much less gun violence & no Trump cult.  😛

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I don't blame you.

McDonalds Canada has way better stuff than McDonalds US.

[sakic92710]

My carvings for McDonalds ended 2 decades ago.  lol  Still like some things but prefer Arby's.  🙂  Body changed with age & it didn't agree too much with Big Macs & chocolate shakes any more.  I can get other things but I want shakes!!  lol

[12345jamesstamps]

Mine 2 debit cards to 2 different banks do. I know Bank of America doesn't.

[maxine*j]

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@inhawaii wrote:

@sakic92710 

All your problems would be solved if you just moved to the US.    😉

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Nah.  He'd get homesick so quick, yearning for typical Canadian sights such as a Mountie in parade dress drinking maple syrup straight from the bottle while sitting on a moose in front of Tim Horton's.  You know, just the ordinary everyday stuff of Life in the Great White North.

[inhawaii]

McDonalds Canada has a cranberry-orange muffin that is incredible!

Depending on who wins this upcoming election, I may just join @sakic92710 in Canada! LOL

[msmaggie060]

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@sin-n-dex wrote:

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@stainlessenginecovers wrote:

Since you have a Checking Account at a Bank (in order to receive eBay payments) and therefore you would have a 'debit' card which also doubles as a Master Card or Visa, so why not use that?

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Those don't exist in Canada. OP is in Canada.

C.

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Hi, maybe just certain banks. I am in Canada and my bank debit card says Visa on it and it can be used as a Visa credit card too.

[sakic92710]

How could you leave out igloos & polar bears?     lol

[sakic92710]

No Tim Hortons igloos yet.

[maxine*j]

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@sakic92710 wrote:

How could you leave out igloos & polar bears?     lol

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Oh, c'mon!  I didn't want to be silly. 

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