iwannabuy
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posted on December 4, 2003 06:19:31 PM new
A friend of mine who, like me, sells on ebay recently had a $513. chargeback from Paypal for an Ebay transaction that took place in August. He has proof that the item was delivered to the buyer. The dispute first went to Paypal and they decided in my friends favor. But the buyer then took it to his credit card company and my friend got the chargeback on his Paypal account. (so much for Paypal's seller protection.) So because of this I've decided to no longer take credit card payments thru Paypal. My question is: is there a way to do this so that payments from credit card are automatically blocked by Paypal.
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trai
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posted on December 4, 2003 06:27:30 PM new
My question is: is there a way to do this so that payments from credit card are automatically blocked by Paypal.
You will have to drop down to a personal account from what you are using now.
My advice would be to only take P.P. for a certain dollar amount and then go with bidpay or payingfast as then you do have protection. [money order]
The only thing your friend can do is take the buyer to small claims court and file fraud charges as long as they have proof.
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amber
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posted on December 4, 2003 06:29:49 PM new
iwannabuy
I had the same problem, so I downgraded to a personal account only, and so I cannot take credit card payments. I don't put the Paypal icons on my autions, but I state in my description that I can take Paypal by direct payment from the buyers bank or Paypal account, I have had no problem since. Of course, I get the odd person who still pays with a credit card, so I have to deny the payment and explain to the buyer again, only been a problem once with someone not paying.
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prudhoes
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posted on December 4, 2003 06:40:48 PM new
What proof did your friend have that the $500+ item was delivered to the buyer?
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iwannabuy
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posted on December 4, 2003 06:56:37 PM new
He has the UPS tracking #, (it was insured for $500.) and it was signed for. he has the whole UPS printout with the signature. The guy told paypal he never received it. He has told his credit card company that it wasn't what was advertised. It was new, still in shrink-wrap, Macromedia software. I'm sure he opened it and downloaded it. So he has the product and his money too.
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Libra63
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posted on December 4, 2003 07:06:06 PM new
I guess we have no protection anymore. Isn't that proof enough for the CC company. Did the seller save all the correspondence? It sounds like he gave two different stories one to PayPal and the other to the CC company. Some people are basically cheats. Hey wait don't they have a certain about of time and then it expires like 30 days for a CC credit charge back. I know when I had a problem with me CC card it had to be done in 30 days and that was from the date of the transaction. That's a bummer.
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Libra63
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posted on December 4, 2003 07:08:13 PM new
One more thing I would never buy electronics on eBay. If it sounds good it must be a scam. That is my opinion.
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Libra63
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posted on December 4, 2003 07:08:14 PM new
sorry double post...
[ edited by Libra63 on Dec 4, 2003 07:09 PM ]
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iwannabuy
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posted on December 4, 2003 07:19:44 PM new
With Paypal you have 30 days; but with credit card company you get 180 days.
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iwannabuy
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posted on December 4, 2003 07:28:04 PM new
I thought personal accounts were limited to the amount they could receive a month, or something like that. is that not the case?
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sanmar
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posted on December 4, 2003 07:38:35 PM new
What a Rip off. I wish there was a way to stop these SOB's from bidding. The daxn credit card cos don't help abit. They don't investigate, just take the cardholders word.
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ebayvet
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posted on December 4, 2003 08:21:57 PM new
The reason they take the customer's word is because they have to - Can you imagine what the fallout would be if they didn't. It's really unfortunate, and anyone who takes a credit card is basically left completely unprotected. Most of my sales are $50 and under, so this really isn't an issue for me, but if I was making $500 sales, I would probably stop accepting credit cards.
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LifeIzGood
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posted on December 4, 2003 09:00:52 PM new
iwannabuy,
I have a personal paypal account and there are no limits that I know of. Think they did away with those quite awhile ago now.
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iwannabuy
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posted on December 4, 2003 09:22:39 PM new
I guess I just haven't kept up with all the Paypal changes. So is it OK to be an ebay seller and get paypal payments into your personal account, just so long as those payments are from existing paypal funds or from a bank account? Paypal doesn't require ebay sellers to have a business or premier account?
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LifeIzGood
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posted on December 4, 2003 09:40:53 PM new
no, you are not required to have a business or premier account.
But if you choose to downgrade to a personal account, you can only do that once.
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whatnot3
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posted on December 4, 2003 09:50:46 PM new
Paypal allows you to have 2 accounts so you can just make a new one and use it instead. (incase you decide to accept credit card payments again later)
I would tell your friend to file fraud charges against the buyer. They might even repay the money right away as soon as they hear about it.
There are some links on ebay for filing with the FBI.
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vvalhalla
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posted on December 4, 2003 10:14:41 PM new
Keep in mind that there is absolutely no seller protection with a personal account. All the buyer has to do is say "I never got it" and the reversal is a done deal.
dd
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prudhoes
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posted on December 4, 2003 11:19:46 PM new
Seller Protection Requirements:
Have a Verified Business or Premier account
Ship to the address on the Transaction Details page
Timely shipment
Retain reasonable proof-of-shipment that can be tracked online
Ship tangible goods
Only accept complete payments from single PayPal accounts
Do not surcharge the buyer
Timely response to all PayPal inquiries
_____________________________________________
I believe PayPal stands behind what it states to be it's policy. "Ship tangible goods" leaves out "digital goods" which may, repeat may be the case here. There is more to this story than presented, and I would not be so quick in faulting PayPal without the full and complete particulars.
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seyms
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posted on December 5, 2003 05:18:51 AM new
Am I missing something? Seller says the package was insured for $500. Although we can't know the outcome in advance, I would tell the seller I was filing a postal insurance claim, see if he straightens out his story in 3 days and then take it to your local postmaster and let them sort it out. I would also file a claim with his local police bunko detective in case his name is familiar to them and file in a local small claims court, if possible.
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iwannabuy
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posted on December 5, 2003 06:49:51 AM new
When the buyer complained to Paypal he said he had not received the product. But when he took it to his credit card company he said product was not as advertised. This was sent UPS, not USPS.
In response to the earlier post, I thought computer software was tangible product. This item was brand new, boxed, still in shrink-wrap Macromedia software. Just like you would purchase at Best Buy, CompUSA, etc. You have to jump through a few hoops just to sell this on Ebay. My friend had complied with all the rules to sell this on Ebay.
It seems to me that Paypal's seller protection is worthless IF the buyer pays with a credit card.
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prudhoes
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posted on December 5, 2003 03:31:58 PM new
I should add that the signature required upon delivery, if the item is over $250, is that of the BUYER, not just anyone at the address.
If UPS failed to ID the BUYER upon delivery than there is probably a case against them. If the SELLER did not require the BUYER'S signature than PayPal's requirement was not met.
This is a very serious matter, and I still believe PayPal stands by their SELLER PROTECTION policy fully.
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iwannabuy
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posted on December 5, 2003 03:40:10 PM new
prudhoe, i appreciate your comments but i guess we'll just have to agree to disagree. My friend has been left in the lurch on this by Paypal. And I still say that Paypal Seller Protection is worthless if the buyer pays with a credit card. Thanks to the posts on this board my friend has filed a fraudulent credit card chargeback complaint with the FBI link that is on Ebay.
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stopwhining
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posted on December 5, 2003 04:09:30 PM new
dont waste your time with FBI.
the reason why the buyer won the chargeback is that the item is not as described.
credit card company would side with the buyer ,esp if the seller refused to accept return.
all the buyer needs to do is to return the software back to your friend and he is okay with his credit card company.
if he tells the credit card company he tried to return and the seller refused,he gets to win the chargeback and keep the product as well.
individual sellers dont have much clout when it comes to chargeback dispute,only established stores such as bestbuy,sears,dell,etc would win such chargebacks.
-sig file -------The thrill is gone!!
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