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Unauthorized Transaction Dispute

Hey! There have been many posts about this, but my situation is very difficult. 

 

Around Christmas time last year, a buyer had bought my item but told me to ship it to a different address. The address stated on eBay and PayPal was in California, but the address the buyer provided was in North Dakota. Just this week the buyer had opened an authorized transaction dispute through PayPal, and I don't think I have much luck explaining the situation since the shipped item was different from the buyer's address. (I know, extremely naive of me to fall for this scam).

 

The item in question was over $300, and I currently don't have the money to pay PayPal if I lose the dispute, so I'm in an extremely tight situation right now. Any suggestions? 

 

Thanks!

Message 1 of 19
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18 REPLIES 18

Unauthorized Transaction Dispute

You have no chance. You will have to refund.
Patricia
eBay member for 25 years
Message 2 of 19
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Unauthorized Transaction Dispute

Do you still have the message that the buyer wanted it shipped to ND?

Everyone has options. Just be sure the best option is right for you.
Message 3 of 19
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Unauthorized Transaction Dispute

"Do you still have the message that the buyer wanted it shipped to ND? "

-------

 

With Paypal, I fear that may not matter.

 

Paypal's Seller Protection policy says:

"You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction."

 

https://www.paypal.com/us/brc/article/seller-protection

 

Period.

I don't see anything saying honoring any other request changes that.

 

Boardies?  Is this totally correct?

Or would it help the OP to post this on Paypal's discussion boards?

 

Thanks

Lynn


Lynn

You love me for everything you hate me for


.
Message 4 of 19
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Unauthorized Transaction Dispute

If PayPal has unwritten policies as eBay does, it may be worth contacting PayPal by phone. $300 isn’t chump change.

Everyone has options. Just be sure the best option is right for you.
Message 5 of 19
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Unauthorized Transaction Dispute


@loveyourimagination49 wrote:
If PayPal has unwritten policies as eBay does, it may be worth contacting PayPal by phone. $300 isn’t chump change.

eBay claims they will consider a message with a request to change address.... PayPal will not.  The OP will absolutely lose this claim.  An unauthorized transaction dispute is one of the easiest claims to win provided the item was shipped to the address on file at the time of purchase.

 

This is going to be a very expensive lesson for the OP and I'm so very sorry.

Message 6 of 19
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Unauthorized Transaction Dispute


@18704d wrote:

"Do you still have the message that the buyer wanted it shipped to ND? "

-------

 

With Paypal, I fear that may not matter.

 

Paypal's Seller Protection policy says:

"You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction."

 

https://www.paypal.com/us/brc/article/seller-protection

 

Period.

I don't see anything saying honoring any other request changes that.

 

Boardies?  Is this totally correct?

Or would it help the OP to post this on Paypal's discussion boards?

 

Thanks

Lynn


eBay will consider member to member communication for an INR claim.

 

Maybe even PayPal would (I doubt it).

 

This is an Unauthorized Use claim which is different, the "buyers" credit card company is the one making a claim and they WILL NOT consider it and PayPal won't cover it for obvious reasons.

 

 

 

 

Paranoia strikes deep
Into your life it will creep
Message 7 of 19
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Unauthorized Transaction Dispute


@loveyourimagination49 wrote:
Do you still have the message that the buyer wanted it shipped to ND?

While if the claim was in Ebay, Ebay would accept the email notification and proof the buyer asked for the change of address as long as it was in Ebay's email system, PayPal will not.

 

Paypal won't take any kind of email proof.  They don't offer any relief about the address.  You MUST ship to the address on the payment notification period, to be covered under PP seller protection.

 

It is unfortunate, but it isn't likely the OP can win this chargeback.


mam98031  •  Volunteer Community Member  •  Buyer/Seller since 1999
Message 8 of 19
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Unauthorized Transaction Dispute

I know this isn't what you want to hear, but it is highly unlikely that you can win this claim in Paypal for reasons already stated on the thread.

 

Did you ship the item to the buyer via USPS?

 

I ask, because if it were me in your position and if I had shipped USPS, I'd send an email to the buyer in the EBAY email system.  Being very polite and professional and notify them that you are aware that they have filed a dispute with Paypal.  Express that you are sorry there is some issues with the transaction.  Let them know that you have the tracking data showing you shipped to the address they asked you to ship to via email [and you have that email too].  The tracking shows it was delivered.  

 

Because they are claiming an issue with not receiving this item, you will be notifying USPS about this transaction for potential mail fraud which is a federal offense.  Let them not they may be contacted by the postal investigators in this matter.

 

Remember you have to stay polite and professional.  Don't get angry with them, don't show emotion.  Just the facts.

 

This could scare them enough to withdraw the claim, so you'll want to do this soon before Paypal makes a ruling.  It may not scare them, but it is worth a try.  

 

If they do respond, before you respond back to them, come on back and let us know what they have said and get a bit more guidance from us seasoned sellers to we can try and help you not lose all that money.  That is a lot of money and I absolutely respect that it would be a big financial hardship on you.


mam98031  •  Volunteer Community Member  •  Buyer/Seller since 1999
Message 9 of 19
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Unauthorized Transaction Dispute


@darrecu2 wrote:

Hey! There have been many posts about this, but my situation is very difficult. 

 

Around Christmas time last year, a buyer had bought my item but told me to ship it to a different address.

 

Just this week the buyer had opened an authorized transaction dispute through PayPal


When in December, @darrecu2 as the tracking to threaten your buyer may have just recently expired a few days ago.

Message 10 of 19
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Unauthorized Transaction Dispute

when anyone makes a purchase they have a choice where they require shipment to address on their Ebay account simply by changing it in their account! if a buyer sends you a request to send it somewhere else ? that is NOT how it`s done! simply cancel the order and send a reply and request they update their shipping address they have on file, No buyer should have a problem with changing it? however if it is a fraudulent purchase then you will never hear from them again ! good luck!
Message 11 of 19
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Unauthorized Transaction Dispute


@remispe_54 wrote:

@darrecu2 wrote:

Hey! There have been many posts about this, but my situation is very difficult. 

 

Around Christmas time last year, a buyer had bought my item but told me to ship it to a different address.

 

Just this week the buyer had opened an authorized transaction dispute through PayPal


When in December, ..... as the tracking to threaten your buyer may have just recently expired a few days ago.


'What if?'  Just for the sake of argument, 'what if' it is a REAL Unauthorized Use claim?

 

It is that time of year when some people go over their bills, expenses and such for filing their taxes.  What if someone said, "Whoa, what is this?  I didn't do that!", and they really didn't?

Not saying 'NO' doesn't mean 'YES'.

The foolishness of one's actions or words is determined by the number of witnesses.

Perhaps if Brains were described as an APP, many people would use them more often.

Respect, like money, is only of 'worth' when it is earned - with all due respect, it can not be ordained, legislated or coerced. Anonymous
Message 12 of 19
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Unauthorized Transaction Dispute


@gracieallen01 wrote:

@remispe_54 wrote:

@darrecu2 wrote:

Hey! There have been many posts about this, but my situation is very difficult. 

 

Around Christmas time last year, a buyer had bought my item but told me to ship it to a different address.

 

Just this week the buyer had opened an authorized transaction dispute through PayPal


When in December, ..... as the tracking to threaten your buyer may have just recently expired a few days ago.


'What if?'  Just for the sake of argument, 'what if' it is a REAL Unauthorized Use claim?

 

It is that time of year when some people go over their bills, expenses and such for filing their taxes.  What if someone said, "Whoa, what is this?  I didn't do that!", and they really didn't?


Then that would mean their Ebay account would have been hijacked too if the original address on the PP payment notification was correct.  The only way someone can send an email in the Ebay system from any given account is they must know the password and be logged on as that member.  So if the address given on the email was from a thief but the original address was correct, then this member has a bigger problem of a hijacked account.


mam98031  •  Volunteer Community Member  •  Buyer/Seller since 1999
Message 13 of 19
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Unauthorized Transaction Dispute


@darrecu2 wrote:

Hey! There have been many posts about this, but my situation is very difficult. 

 

Around Christmas time last year, a buyer had bought my item but told me to ship it to a different address. The address stated on eBay and PayPal was in California, but the address the buyer provided was in North Dakota. Just this week the buyer had opened an authorized transaction dispute through PayPal, and I don't think I have much luck explaining the situation since the shipped item was different from the buyer's address. (I know, extremely naive of me to fall for this scam).

 

The item in question was over $300, and I currently don't have the money to pay PayPal if I lose the dispute, so I'm in an extremely tight situation right now. Any suggestions? 

 

Thanks!


I'm so sorry this is happening to you . I guess by now you already know this  but don't ever ship to any other address  that's not  on file . Scammers are coming up with new ways  to steal  as well as using the old tried and true . It's very important to stay vigilant . Tulips

Message 14 of 19
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Unauthorized Transaction Dispute

This is a PayPal Unauthorized Use claim.  The rules are different.  For a unauthorized use claim Paypal ONLY requires proof of SHIPPING, not delivery.  The OP should be able to upload the tracking info to Paypal and get this closed.  Under the UA policies addresses and delivery are NOT required.  Seller should be held harmless under the unauthorized use policies.

 

Now if the claim is for INR or SNAD whether it be under Paypal or the credit card, THEN the delivery address could come into play under the Seller protection policy.

 

But so far the OP has stated this is unauthorized use and all they need is to get the tracking log from the post office and upload to Paypal.  Since it's beyond 90 days it will take a special request to USPS to have them send the seller this information.

 

 

Member of the Grumpy Old Man crew
Message 15 of 19
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