Yet another chargeback post

[baydealz]

Not whining or complaining, but a search will show many who do.  My concern is that something is frequent and not being addressed.  I recently sold an item and the frustrated buyer initiated a dispute, fine, I resolved - he was fine and left positive feedback.  2-4 weeks later, he initiated a chargeback, then vanished.

Of course, ebay removed the funds and lied to me each and every time I called about 'give it 2-3, 4-6, 6-8 weeks,' each followed by a case closed notice...So I've been searching in here and asking around and this seems to be a common issue.   Buyers have found a loophole, now that everything is automated, they can get stuff for free.  It's happened to me twice now this year (out of like 4 sales!), so it's common.  I asked a seller who sold a similar item and he just said 'ya it sold, but the money was refunded due to chargeback.'  I only want to hear cases from people who had that happen, not from those who haven't.  If it's quiet then I guess I'm just wrong. 

[12345jamesstamps]

Buyers can file did not recognize a charge instead of a dispute with their banking source online. 

It's usually out of eBay's hands at this point.

It's you the seller and the buyer"s bank now but this goes through eBay.

Did you respond to the dispute through eBay uploading information and submitting "documentation" as a photo? ...which is given to the bank?

I won my last dispute during Christmas as a seller.

Did you write a like 1000+ word essay disputing the chargeback? I did. 

Calling eBay?...that doesn't work...it's out of eBay's hands. You are dealing with the buyer's bank.

"then vanished"...had that...it"s usually "person is no longer registered on eBay"...thus dealing with the buyer's bank. 

I think doing the 1000 word essay to the bank and documentation of a photo did the trick. Tracking isn't always a win-win when buyer didn't recognize the purchase. Got to write an essay and download a photo of something. 

[dbfolks166mt]

     What type of chargeback did the buyer open? NAD, charge not recognized, Item not received? NAD chargebacks are virtually impossible for the seller to win. Was it the same type of case that they initially opened with eBay? Did you, if you could, respond to the case? It seems to vary in some cases with the charge not recognized type of chargeback eBay handles that without any input from the seller. 

     It's no so much a loophole as the current federal laws that govern how the banks have to deal with chargebacks. The laws are over 50 years old and were in place well before ecommerce became pretty much a normal thing. They need revised but getting congress to do anything is pretty much a exercise in futility. 

[mam98031]

When a Chargeback is filed, Ebay automatically puts that money on Hold, they don't send it off to the buyer.  At this point it is still your money, just on hold.  Waiting for the disposition of the Chargeback.

And yes, all to often when a buyer wins a Chargeback, they get the money refund and they get to keep the item.  For some odd reason, legally, Credit Card companies are allowed to do this.  If you sue the buyer it likely would not stand up in court, you'd either get your item back or the money.

Buyers being able to get stuff for free is not a loophole, nor is it new.  This has been going on for many years and will continue to do so until we can get Congress to change the laws that pertain to Credit Card Companies.

Now speaking only for myself.  I've had to deal with a few Chargebacks myself.  If they are for an INR or the buyer doesn't recognize the charge on their card, those are pretty simple to win.  INADs on the other hand are harder, but sometimes they too can be won if you have the evidence to prove your side and get it submitted on the Chargeback.

Chargebacks can take up to 90 days to resolve.  Sad but true.  However most do not take all that time.