No returns policy also stated explicitly in the description, all sales are final. Buyer wants refund

[mps.collectibles]

I sold a collectible for a very large amount and I do not except returns. It's also listed in the description, due to the nature of collecting, all sales are final. Buyer was excited for the collectible and said he was sending it to get it graded. Almost 2 weeks later I get an email saying, his son stole his credit card and wants a refund. I do not believe him and want to deny the refund. Since I do not accept refunds and called out "due to the nature of collecting, all sales are final" in my description, do I have to accept the refund? 

[soh.maryl]

I don't know how long you have been an eBay seller, but perhaps you have not read eBay's Money Back Guarantee for buyers.  Personally, I consider it a must-read for sellers also.

The MBG, which is seen in every listing, explains to buyers that, if they receive an item that they believe to be not as described, they have 30 days from its delivery date to go to the Resolution Center and open an item not as described case there.  The seller will then be obligated to accept the return, send the buyer a prepaid return shipping label, and refund the buyer in full  when the item is received back by the seller.

The MBG trumps your "No Returns" policy, so, yes, you do have to accept the return as above.

[1tuna]

you have sold a lot of nice cards...the short answer is if the buyer files a not as described you will have to take it back.certains reason for returns will not force a return but many will

if you fight this you will lose....you need to say yes to the return in order to move forward

[hurryagain]

@mps.collectibles 

Did this "buyer" open a case against you?  If so, what kind of case did he open?

[mps.collectibles]

He just initiated a return request.

[mps.collectibles]

I understand the policy, but the buyer is saying his son took his credit card and made a purchase. He's not saying the item is not as described. 

[b4b4b4b]

If in the end the buyer clicks not as described, it's a done deal.  Nothing else is needed from the buyer, just to click not as described.  Humans used to look at these but now it's automated, no human interraction from Ebay.  I have read here and read here, posts from sellers, who would call Ebay only to be told it's the sellers cost of doing business.  Ebay gots to keep the buyers happy !!  I stopped selling probably 15 years ago .. Meg Whitman days.  I worship sellers here for what they have to put up with, they have more mental strength than I have LOL.

Tammy
NH

[redmodelt]

Do you want to get the item back and then issue a refund, or do you want eBay to give him a refund out of your account and he keeps the item?

[hurryagain]

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@mps.collectibles wrote:

He just initiated a return request.

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@mps.collectibles 

Okay...in the return request, what reason did he give for the return?  My response is going to be based on the reason he put for the return request.

[tdumonde2014]

Accept the return or the buyer will open a case with their credit card company and you will lose the card and the money.

[fab_finds4u]

If the buyer opens a case eBay doesn't read your return policy or even care what your policy is.  You have two choices how to respond. You can accept the return,  provide a return label, and refund when you get it back. Or you can refund without requiring them to return it.   If you ask eBay for help their resolution  could be to refund and let them keep it. And you'll get a defect for having a case unresolved by the seller.

About the unauthorised use of the card- many years ago in the 90s my mother's new husband used her credit cards and debit  card while she was in the hospital expecting to die. He ran up 20,000 in charges buying tools and getting cash out every day she was in the hospital. To his dismay she lived. The bank told her if she claimed unauthorised use they would take the charges off  and restore the cash to her account but they would have to prosecute him. 

As for your buyer claiming unautborised use by his son,  parents  are responsible for the misdeeds of their children. I am not buying his story of unauthorised use.

 However, eBay doesn't decide who is lying or who is telling the truth. Their resolution is they get their money back and you get your item back if you provide a return label.

[mps.collectibles]

He said "ordered by mistake" as the return reason.

[vintagecraze50]

NO RETURNS on your listing does not mean a buyer cannot return things on here. Ebay money back quarentee will prevail over anything.

[vintagecraze50]

He will file an unauthorized charge charge back if you do not tell them to return for refund. If they open up a chargeback the credit card company can and will at their discretion allow them to keep your item AND your money. TELL THEM TO RERTURN FOR REFUND NOW!. YOU DO NOT WANT TO BE INVOILVED WITH CHARGEBACKS.

[hurryagain]

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@mps.collectibles wrote:

He said "ordered by mistake" as the return reason.

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@mps.collectibles 

Okay.  Under this type of "return" you can deny the return.  If you do accept the return, the buyer is responsible for the shipping costs to return it to you.

HOWEVER...if you deny the return, the buyer can try to do an item not as described case against you.  We all know that he would be lying BUT in an INAD case, the buyer ALWAYS wins. 

So...here's the thing.  If you deny the request and he does open an INAD case, I would wonder if he does not get angry and either returns your items damaged OR returns something to you that is NOT what you gave him...I.E. a bunch of rocks or rubbish (literally household trash - there has been a case like that posted here) and then you are out BOTH your money and your items.

You see...if he returns "rubbish" to you in an INAD case, he will automatically receive his money back after the return b/c he returned (something) to you and as far as eBay would be concerned, you got your item(s) back.  You can argue w/eBay that he returned rubbish to you but eBay would not listen.  As far as eBay would be concerned, you might be lying and eBay does not get into the he said -he-said -she said - they said game..,  Returned - refunded - done with a snowball's chance in hell for an appeal.

So you have to weigh your chances in this case.  Do you want to deny to return and possibly have some other larger problem arise or do you want to accept his return - as it stands now, he has to pay for the shipping back to you...if he opens an INAD case, you would also have to pay the shipping costs back to you...another expense out of your pocket.

I hope that you understand that I am on your side in this case...I am just trying to make sure that you understand the risks in these kinds of cases and I am trying to mitigate your potential losses here.