posted on March 1, 2002 01:41:37 PM new
PayPal has just reversed a charge of more than $190 on my account for no reason. Buyer received his item, then changed his mind and asked for a refund. I agreed if he would return the item intact within 30 days. But he still didn't return it. He filed a complaint at first so I provided PayPal with the tracking number and everything and after "investigation" they judged in my favor and considered the case closed. Now I've just contacted the buyer who apparently decided to keep the item and he said "You have me confused with someone else. I did not pay you by credit card. Moreover, you still have my payment." So if he DIDN'T even use a credit card to pay for the item, how could they do a chargeback? Is PayPal double-dipping again??? I WANT MY MONEY BACK!!!
posted on March 1, 2002 03:00:16 PM new
caffeinated;
Is it possible that your customer used their bank (checking) account? Some people don't consider their 'Credit /ATM Debit' card a credit card. But many of them ARE Visa's. Just a thought. Good Luck to you!
posted on March 1, 2002 09:07:33 PM new
But he didn't use a creit card. Is it possible to reverse the charges otherwise (using a debit card or a checking account) ?
posted on March 1, 2002 09:24:19 PM new
PayPal will reverse charges no matter how they were funded if the buyer files a complaint. It's a big joke to PayPal and thats why these forums exist. PayPal will allow buyers to get a refund and keep your merchandise. Just do a little research on the net and you'll see many situations just like yours where they've helped fraudulent buyers get something for nothing. BEWARE!!!
posted on March 1, 2002 10:29:11 PM new
A debit card acts like a credit card. A charge to a debit card can be charged back. A debit to a checking account can also be reversed, but it is much harder and involves filling out an affadavit at the buyer's bank, which is a crime if it is filled out falsely. It would be a lot easier if sellers could actually see what type of payment it was, but PayPal recently turned off that feature and is giving people the runaround as to why.
posted on March 3, 2002 09:06:08 AM new
A person should be able to see whether a transaction is funded by credit, debit, or checking account. Also they should also receive a warning note for all credit card transactions detailing how to garantee that you are protected in the event of a chargeback or fraud.
The best thing is to never ship any purchase until you have retrieved all funds from your electronic account. It may slow things down but it also protects you. Also I would suggest that you never ship anything to an non-confirmed address. I would also suggest taking out insurance on every package you ship and also breaking the shipment into one small shipment and one large shipment in the case of multiple items worth thousands of dollars.
If you do decide to ship to a non-confirmed address then I would make sure to have a copy of the drivers license faxed as well as sending out a letter to the confirmed address well before shipping. Also, remember that you can always have a package re-routed back to you for an additinal fee if it has not been delivered. So if you get a chargeback once you email the customer the tracking number then you can re-route the package back to you. I found out these things the hard way. Just remember a little caution goes a long way. Plus, always keep your money invested in the Paypal Money Market account, it adds protection to you in the event of a need to seek legal recourse.
