Paypal Chargebacks - Coin Community Forum

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Author	Replies: 5 / Views: 1,579
jg86 Pillar of the Community Canada 686 Posts	Posted 08/18/2013 10:39 pm Don't know if anyone has experienced this before, but I'm curious as to what happens. I sold an item on ebay back in February. The buyer left me positive feedback a week later, and I tossed the proof of shipping. On Friday, apparently he performed a chargeback on his credit card, saying that he "did not authorize the charge". PayPal now wants proof from me that he received the item. I no longer have the tracking information (6 months after receiving feedback). I sent them proof of the feedback he left. The way I'm seeing this is that PayPal charged his credit card. He performed a charge back on his credit card. As such, it is PayPal that is out the money right now. He has not claimed that he did not receive the product, just that he didn't authorize the transaction. If he's being honest, it sounds like identity fraud. Given that I did everything by the book (i.e. per PayPal's rules), why should I be responsible for identity fraud? As far as I'm concerned, this is something that PayPal or the credit card issuer should be responsible for. I work in credit risk, and have built models predicting fraud risk. There isn't information available to seller's on PayPal to be able to identify this type of fraud. As a seller, using PayPal, I should be able to use it without assuming events like this will happen (as long as I exercise my due diligence and send to the proper address, etc). Has anyone else experienced something similar? Given how buyer friendly PayPal is (and that them or the credit card company are the only other parties who can absorb this "loss"), I'm afraid that I'm going to be out over $100, with no recourse. * Moved by Staff to a more appropriate forum. * Report this Post to the Staff

macmercury Pillar of the Community United States 5838 Posts	Posted 08/18/2013 11:43 pm I once had a similar situation where buyer says he didn't receive the item, if you used eBay/Paypal to purchase mailing, there will be record there you can pull from Paypal history (Date of month to Date of month). I was able to see transaction dates and tracking info. Report this Post to the Staff
basebal21 Bedrock of the Community 13014 Posts	Posted 08/19/2013 12:59 am I havent had it happen, but did you upload tracking to ebay? I would call them as soon as possible and talk to someone about it. 6 months later for a charge back is very suspicious. Report this Post to the Staff
jdmern Pillar of the Community United States 1949 Posts	Posted 08/19/2013 07:03 am Mac is correct, if you bought the postage though eBay/paypal, or you uploaded the tracking number, it will show up in the history. Might take awhile to show up, but it's better than being out $100+... Boardwalk Numismatics http://stores.ebay.com/jdmern/ https://boardwalknumismatics.com Report this Post to the Staff
silverwolf Pillar of the Community Canada 3733 Posts	Posted 08/19/2013 08:08 am i am pretty sure you can't initiate a chargeback 6 months after the fact, that is why all credit card companies insist you check your statements monthly and advise them of any discrepancies. Report this Post to the Staff
Dino Valued Member United States 180 Posts	Posted 08/27/2013 06:18 am I agree that PayPal should be on the hook for charge backs....it's their monopoly. I looked at billmelater for a website and nowhere In the terms were charge backs mentioned, red flag and pass. Report this Post to the Staff
	Replies: 5 / Views: 1,579

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