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Unauthorized Transaction

Hi all, just looking for some advice, or even opinions on this. I sold an item, and shipped the same day. The next day I get a notice from ebay that the transaction was unauthorized and it has been cancelled.  I was told not to complete the transaction and if I shipped the item already to try to stop shipment. I attempted to and was charged $14 to do that. I still do not have my item and not only did my buyer send me an angry message telling me she wants her item, but she also opened a case against me.

I just refunded her.

 

I am now out of the item (not sure where it is, tracking shows nothing), I'm out the money For the item, I'm out $14 for the intercept (usps charged my card), I spent an hour of my time on the phone with ebay to get No answers, and I'm told that the angry buyer will be able to leave me bad feedback.

 

What just happened here and what did I do wrong? 

Message 1 of 54
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Unauthorized Transaction

If this is the email that is the same as in the other current thread about unauthorized transactions, it would be confusing since you don't know what is going on and you would think you should trust eBay to not send you this notice if they didn't mean you should follow though ... ie try to recall the shipment as you are told to do in the email.

 

What should a seller do? Ignore it? Call eBay CS about it (sure, those are probably the people who sent the confusing email). Contact the buyer to see if they initiated it?

 

Does eBay not have a Continuity Department whose job it is to review everything to make sure there is no confusion, conflicted information and content that could be misinterpreted? If not, then maybe they need to get one.

Message 16 of 54
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Unauthorized Transaction


@readabouthorses wrote:

If this is the email that is the same as in the other current thread about unauthorized transactions, it would be confusing since you don't know what is going on and you would think you should trust eBay to not send you this notice if they didn't mean you should follow though ... ie try to recall the shipment as you are told to do in the email.

 

What should a seller do? Ignore it? Call eBay CS about it (sure, those are probably the people who sent the confusing email). Contact the buyer to see if they initiated it?

 

Does eBay not have a Continuity Department whose job it is to review everything to make sure there is no confusion, conflicted information and content that could be misinterpreted? If not, then maybe they need to get one.


Hard to argue with any of that.  The email as it currently is released or at least the last time I saw one is pretty darn scary.  I do understand that there is only so much Ebay can share due to privacy issues, but I firmly believe they could do a much better job with this email and not cause sellers to spend money they don't need to and/or be out money and product they don't really need to be.

 

What has happened to the OP of this thread is a great example.  It just doesn't have to be this way.  Ebay could make this better.


mam98031  •  Volunteer Community Member  •  Buyer/Seller since 1999
Message 17 of 54
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Unauthorized Transaction

Mam, refunding the buyer when you can't prove delivery IS required and is not a choice. I could have put it off a bit yes, but it's inevitable that buyer will be refunded. Putting it off would not have helped me, and would have angered buyer even more. I cannot prove delivery and will not be able to in the future because I did an intercept with USPS, as suggested by ebay. 

And yes, I am concerned about a P'd off buyer. Even if the angry buyer can't leave feedback and I can block her, that does not stop this buyer from causing me trouble using another ID, It's done, a lot. I've heard many stories.

 

The INR was filed through ebay. I have no idea how you can file a INR after transaction is cancelled by ebay, but she did. I asked the person on the phone about that and all she said was yes buyer can still file INR. I also asked why I got the notice of an unauthorized transaction when my buyer is saying she wants the item?? I was told by this person that the buyer actually called ebay and claimed she did not make the purchase (???). But apparently she can turn around and complain she didn't get it? Makes total sense, right?

 

I appreciate all the feedback. I am just trying to figure out where I went wrong so I can prevent it from happening again. I did exactly what was suggested by ebay, and I lost. That's pretty much it, in a nutshell. I'm still hoping to get my item back but right now it shows nothing on the tracking. I guess I'll be taking it up with USPS next. The time wasted and the stress & aggravation alone is just not worth it anymore. 😞

Message 18 of 54
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Unauthorized Transaction

Anonymous
Not applicable

@sunflowers652016 wrote:

Hi all, just looking for some advice, or even opinions on this. I sold an item, and shipped the same day. The next day I get a notice from ebay that the transaction was unauthorized and it has been cancelled.  I was told not to complete the transaction and if I shipped the item already to try to stop shipment. I attempted to and was charged $14 to do that. I still do not have my item and not only did my buyer send me an angry message telling me she wants her item, but she also opened a case against me.

I just refunded her.

 

I am now out of the item (not sure where it is, tracking shows nothing), I'm out the money For the item, I'm out $14 for the intercept (usps charged my card), I spent an hour of my time on the phone with ebay to get No answers, and I'm told that the angry buyer will be able to leave me bad feedback.

 

What just happened here and what did I do wrong? 


Hi @sunflowers652016, if a purchase was a result of unauthorized use of the buyer's account or financial information, a refund would be expected from the seller. That being said, if this item was paid for via PayPal, they will cover the seller as long as the item was shipped before a notice was sent to not proceed with the transaction. I recommend you contact PayPal to look into what you need to do next. You would be protected from any negative feedback or defects on eBay, and the financial portion would be addressed by PayPal as they are the payment processor for this transaction. If you are enrolled in managed payments through eBay, our managed payments team could look into what appropriate protections are available if you call in and request to speak with that team.

 

Edit: I wanted to add that if no dispute has been filed with PayPal or the financial institution, the buyer is still able to file an item not received request to have the seller resolve this issue for them. If we prevented the buyer from pursuing a resolution on eBay, it could lead them to resort to a CC Chargeback, which would still result in a refund from the seller but typically also incurs additional fees for the seller as well.

Message 19 of 54
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Unauthorized Transaction

Anonymous
Not applicable

@mam98031 wrote:

@readabouthorses wrote:

If this is the email that is the same as in the other current thread about unauthorized transactions, it would be confusing since you don't know what is going on and you would think you should trust eBay to not send you this notice if they didn't mean you should follow though ... ie try to recall the shipment as you are told to do in the email.

 

What should a seller do? Ignore it? Call eBay CS about it (sure, those are probably the people who sent the confusing email). Contact the buyer to see if they initiated it?

 

Does eBay not have a Continuity Department whose job it is to review everything to make sure there is no confusion, conflicted information and content that could be misinterpreted? If not, then maybe they need to get one.


Hard to argue with any of that.  The email as it currently is released or at least the last time I saw one is pretty darn scary.  I do understand that there is only so much Ebay can share due to privacy issues, but I firmly believe they could do a much better job with this email and not cause sellers to spend money they don't need to and/or be out money and product they don't really need to be.

 

What has happened to the OP of this thread is a great example.  It just doesn't have to be this way.  Ebay could make this better.


Hi everyone, I just wanted to share the email we send for reference and invite feedback on changes that I can pass along to our content teams if you identify room for improvement or potentially confusing components of our communication: 

unauthorized_purchase_email.JPG

 

Message 20 of 54
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Unauthorized Transaction


@sunflowers652016 wrote:

Mam, refunding the buyer when you can't prove delivery IS required and is not a choice. I could have put it off a bit yes, but it's inevitable that buyer will be refunded. Putting it off would not have helped me, and would have angered buyer even more. I cannot prove delivery and will not be able to in the future because I did an intercept with USPS, as suggested by ebay. 

And yes, I am concerned about a P'd off buyer. Even if the angry buyer can't leave feedback and I can block her, that does not stop this buyer from causing me trouble using another ID, It's done, a lot. I've heard many stories.

 

The INR was filed through ebay. I have no idea how you can file a INR after transaction is cancelled by ebay, but she did. I asked the person on the phone about that and all she said was yes buyer can still file INR. I also asked why I got the notice of an unauthorized transaction when my buyer is saying she wants the item?? I was told by this person that the buyer actually called ebay and claimed she did not make the purchase (???). But apparently she can turn around and complain she didn't get it? Makes total sense, right?

 

I appreciate all the feedback. I am just trying to figure out where I went wrong so I can prevent it from happening again. I did exactly what was suggested by ebay, and I lost. That's pretty much it, in a nutshell. I'm still hoping to get my item back but right now it shows nothing on the tracking. I guess I'll be taking it up with USPS next. The time wasted and the stress & aggravation alone is just not worth it anymore. 😞


Are you assuming that or is that what PP told you?  I explained in my earlier post that Undeliverable does NOT always = not delivered or to be the seller's fault.  So you are saying that PP told you that you had to refund the money to the buyer??

 

I'm unsure as to why you are so concerned about this "angry buyer".  They can't touch your FB nor do anything to your selling account on Ebay.  You can comfort them and politely explain to them that you are looking into the matter as the tracking shows the item could not be delivered.  Then you go and figure out what really happened so you can proceed with complete information.

 

Maybe the "intercept" had something to do with it, but it doesn't appear from anything you've previously posted that you know that is why it was not deliverable.  It may have been because something was wrong with the address you were given to ship to or there was no safe place to leave the package.

 

I don't know how that buyer was able to file an INR in Ebay.  We will have to ask Trinton that one.

 

 


mam98031  •  Volunteer Community Member  •  Buyer/Seller since 1999
Message 21 of 54
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Unauthorized Transaction

@Anonymous 

 

The OP has reported that the buyer was able to file an INR in Ebay on this transaction?  How or why was that even allowed when Ebay instructed the seller to retrieve the package, not to mention Ebay cancelled the transaction??


mam98031  •  Volunteer Community Member  •  Buyer/Seller since 1999
Message 22 of 54
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Unauthorized Transaction

Anonymous
Not applicable

@mam98031 wrote:

@Anonymous 

 

The OP has reported that the buyer was able to file an INR in Ebay on this transaction?  How or why was that even allowed when Ebay instructed the seller to retrieve the package, not to mention Ebay cancelled the transaction??


Hi @mam98031, sorry I was trying to edit one of my recent post before any other replies occurred. I have added an edit to a previous post that addresses this and I will copy the contents below:

 

"Edit: I wanted to add that if no dispute has been filed with PayPal or the financial institution, the buyer is still able to file an item not received request to have the seller resolve this issue for them. If we prevented the buyer from pursuing a resolution on eBay, it could lead them to resort to a CC Chargeback, which would still result in a refund from the seller but typically also incurs additional fees for the seller as well."

Message 23 of 54
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Unauthorized Transaction


@Anonymous wrote:

@mam98031 wrote:

@Anonymous 

 

The OP has reported that the buyer was able to file an INR in Ebay on this transaction?  How or why was that even allowed when Ebay instructed the seller to retrieve the package, not to mention Ebay cancelled the transaction??


Hi @mam98031, sorry I was trying to edit one of my recent post before any other replies occurred. I have added an edit to a previous post that addresses this and I will copy the contents below:

 

"Edit: I wanted to add that if no dispute has been filed with PayPal or the financial institution, the buyer is still able to file an item not received request to have the seller resolve this issue for them. If we prevented the buyer from pursuing a resolution on eBay, it could lead them to resort to a CC Chargeback, which would still result in a refund from the seller but typically also incurs additional fees for the seller as well."


Well OK, that actually does make sense.  There has to be recourse.  

 

But did the OP just assume they needed to refund right away or would Ebay have allowed the time for the seller to actually get the merchandise back before requiring a refund from the seller?


mam98031  •  Volunteer Community Member  •  Buyer/Seller since 1999
Message 24 of 54
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Unauthorized Transaction

Anonymous
Not applicable

@mam98031 wrote:

@Anonymous wrote:

@mam98031 wrote:

@Anonymous 

 

The OP has reported that the buyer was able to file an INR in Ebay on this transaction?  How or why was that even allowed when Ebay instructed the seller to retrieve the package, not to mention Ebay cancelled the transaction??


Hi @mam98031, sorry I was trying to edit one of my recent post before any other replies occurred. I have added an edit to a previous post that addresses this and I will copy the contents below:

 

"Edit: I wanted to add that if no dispute has been filed with PayPal or the financial institution, the buyer is still able to file an item not received request to have the seller resolve this issue for them. If we prevented the buyer from pursuing a resolution on eBay, it could lead them to resort to a CC Chargeback, which would still result in a refund from the seller but typically also incurs additional fees for the seller as well."


Well OK, that actually does make sense.  There has to be recourse.  

 

But did the OP just assume they needed to refund right away or would Ebay have allowed the time for the seller to actually get the merchandise back before requiring a refund from the seller?


Hi @mam98031, the message we send when unauthorized use has been identified states that a refund should not be issued without contacting Customer Service. That being said, a prompt refund is recommended as a buyer who had their account used without permission very well could open a CC Chargeback at any time, which would take the matter out of eBay's hands and potentially generate fees that would have been avoided if a refund had already been refunded. We mirror CC Chargeback policies as often as possible, as these become the industry standard for purchase disputes - it is not the standard to allow time for an item to be returned to a seller, as the buyer is due a refund regardless of any other contributing factors.

Message 25 of 54
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Unauthorized Transaction

Hi @sunflowers652016, if a purchase was a result of unauthorized use of the buyer's account or financial information, a refund would be expected from the seller.

 

 

 

@Anonymous    How does that refund work? or is that just for "managed payments" that prove to be 'unauthorized' at a later time and ebay just 'helps themselves' from a seller's proceeds? 

As you stated, there is protection from this issue from PayPal, but why are these messages coming from eBay, not PayPal?  One user reported on the boards that the message from ebay was received three months after the item was shipped.   

 

Who is the seller supposed to refund for the unauthorized use of a buyer's account?  

Message 26 of 54
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Unauthorized Transaction

@Anonymous 

 

Thank you for all the information and explanations.  While I don't like some of it, I do understand it and realize that the rules are there for good reasons.  Thank goodness these types of transactions don't happen often.  Thank you again for your patience with me while I try to have a better understanding of the process.


mam98031  •  Volunteer Community Member  •  Buyer/Seller since 1999
Message 27 of 54
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Unauthorized Transaction

Anonymous
Not applicable

@ittybitnot wrote:

Hi @sunflowers652016, if a purchase was a result of unauthorized use of the buyer's account or financial information, a refund would be expected from the seller.

 

@Anonymous    How does that refund work? or is that just for "managed payments" that prove to be 'unauthorized' at a later time and ebay just 'helps themselves' from a seller's proceeds? 

As you stated, there is protection from this issue from PayPal, but why are these messages coming from eBay, not PayPal?  One user reported on the boards that the message from ebay was received three months after the item was shipped.   

 

Who is the seller supposed to refund for the unauthorized use of a buyer's account?  


Hi @ittybitnot, I'm not sure I understand your references to managed payments, as unauthorized use of a buyer's account or financial information would be unrelated to the seller's payment processor. 

 

If we identify unauthorized use either proactively or after investigating a report from the buyer, we will notify the seller. PayPal will do the same thing if they are the ones that identify unauthorized use. The financial institution will also notify a seller if unauthorized use is brought to their attention, though this is usually a notice in the form of a chargeback. These messages would be sent at the time that unauthorized use is identified, which may not be immediately after the sale occurs.

 

It is the industry standard for the payment processor to potentially offer protection to a merchant - if PayPal processed the payment, the seller would need to contact PayPal for additional protections. If the payment was a part of eBay's managed payments, then a seller could talk to our managed payments team for additional protections. While I can't speak to PayPal's process specifically, more details about the protections for a payment through managed payments can be found here.

 

As for the refund, a seller would refund in the same and only way they always refund: through the transaction. This could be done via an eBay Money Back Guarantee request or through the payment directly.

Message 28 of 54
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Unauthorized Transaction

Anonymous
Not applicable

@mam98031 wrote:

@Anonymous 

 

Thank you for all the information and explanations.  While I don't like some of it, I do understand it and realize that the rules are there for good reasons.  Thank goodness these types of transactions don't happen often.  Thank you again for your patience with me while I try to have a better understanding of the process.


Hi @mam98031, no problem at all! Always happy to try and elaborate - unauthorized purchases can certainly be stressful or confusing when they come up. I recommend contacting eBay or PayPal (if PayPal processed the payment) directly if there are any questions on what to do next. 

Message 29 of 54
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Unauthorized Transaction

Trinton, I've had a dozen or more of these over the years, always got the memo after the item shipped, never had a request for a refund or anything further done about it.......  I've seen many posters says the same thing......  Paypal has always "required" that we ship to the address they've given us, which presumes it is the actual address of the cc holder and as long as we haven't changed it, we were covered.

 

Those experiences to me mean that the majority of these unauthorized use claims are valid purchases by the unauthorized use claimant, otherwise they would be asking for a refund.......... Now.....just because it may be a majority, doesn't mean there won't be claims. 

 

But to get to your request.....the notice to recall the package can be pretty expensive on a low dollar item.  That notice almost sounds like one is obligated to do it.  I would reword it to say something like ......if this item is valuable, you may want to pay a fee and try to recall it it thru your shipping carrier.  

 

just my idea

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