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| | | Author: | sputnikcharlie  | | Posted: | Feb 8, 2022 01:27 | | Subject: | Fraudulent chargeback claim | | Viewed: | 266 times | | Topic: | Help | |
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| I am a new seller on Bricklink, just a few sales yet, and would like some help
with a possible fraudulent claim against me.
I have just received a chargeback claim from PayPal, which was filed through
the buyer's bank, claiming an "unauthorized transaction" took place, and
requesting all the money back. Because this was done through the bank and not
PayPal, PayPal's seller protections does not apply, and all they can do is
to act as mediator between myself and the buyer's bank. I have provided PayPal
with all the necessary proof that the sale was legit, which they will forward
to the claimant's bank.
I don't want to go into too much detail as the case is still open, but I
can confirm that the buyer's Bricklink and PayPal addresses match, that I
have proof of delivery from the shipping company, and that the buyer left a positive
review on my Bricklink account. Despite all this, the buyer's bank could
still side with the claimant and I would find myself swindled out of almost $400.
Has anyone had to deal with something similar? If so how did you handle it? What
was the outcome?
Does anyone have any input on how to safeguard against this?
I find myself crying about this situation, and I feel like a fool.
Any help if very much appreciated.
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| | | | | Author: | bricksahead | | Posted: | Feb 8, 2022 03:35 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 88 times | | Topic: | Help | |
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| It sounds very concerning. Could it be a spoof email that you received?
Do you've a personal or a business PayPal account? As I recall chargeback
protection now requires a business account.
Have you contacted your buyer to let the buyer know about the chargeback? Was
the transaction marked "eligible" for seller protection? Did you create the shipping
label and did you send proof of delivery to PayPal? Could the credit card have
been expired or could the buyer have charged more on the credit card than the
available credit?
Below is a link to some of the requirements for seller-protection:
https://www.paypal.com/us/webapps/mpp/ua/seller-protection
All the best of luck!
In Help, sputnikcharlie writes:
| | I am a new seller on Bricklink, just a few sales yet, and would like some help
with a possible fraudulent claim against me.
I have just received a chargeback claim from PayPal, which was filed through
the buyer's bank, claiming an "unauthorized transaction" took place, and
requesting all the money back. Because this was done through the bank and not
PayPal, PayPal's seller protections does not apply, and all they can do is
to act as mediator between myself and the buyer's bank. I have provided PayPal
with all the necessary proof that the sale was legit, which they will forward
to the claimant's bank.
I don't want to go into too much detail as the case is still open, but I
can confirm that the buyer's Bricklink and PayPal addresses match, that I
have proof of delivery from the shipping company, and that the buyer left a positive
review on my Bricklink account. Despite all this, the buyer's bank could
still side with the claimant and I would find myself swindled out of almost $400.
Has anyone had to deal with something similar? If so how did you handle it? What
was the outcome?
Does anyone have any input on how to safeguard against this?
I find myself crying about this situation, and I feel like a fool.
Any help if very much appreciated.
|
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| | | | | | | Author: | sputnikcharlie | | Posted: | Feb 8, 2022 14:08 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 68 times | | Topic: | Help | |
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| In Help, bricksahead writes:
| | It sounds very concerning. Could it be a spoof email that you received?
Do you've a personal or a business PayPal account? As I recall chargeback
protection now requires a business account.
Have you contacted your buyer to let the buyer know about the chargeback? Was
the transaction marked "eligible" for seller protection? Did you create the shipping
label and did you send proof of delivery to PayPal? Could the credit card have
been expired or could the buyer have charged more on the credit card than the
available credit?
Below is a link to some of the requirements for seller-protection:
https://www.paypal.com/us/webapps/mpp/ua/seller-protection
All the best of luck!
Thank you for your input, it is very much appreciated.
|
I don't think it's a spoof email, as it shows clearly on my PayPal account
and its authenticity was verified when I called PayPal to discuss the claim.
I do have a business account on PayPal, however because the case was opened through
the bank and not PayPal, the buyer's bank will ultimately make the decision
and not PayPal. I did read through all the PayPal seller's protection and
it clearly states that if the chargeback case is opened through the claimant's
bank, then PayPal has no authority on the matter.
Yes, the sale is marked as eligible, but PayPal's seller protection does
not cover this particular type of claim.
I have not contacted the buyer as I am not sure I should in case this becomes
a legal matter. If the bank decides in favour of the claimant, and it may take
up to 75 days, then my only option to get the money I am owned is to file a lawsuit.
In my research about chargeback I found out that, depending on the bank they
use, a buyer can file a chargeback claim up to 180 days after the transaction
takes place. I does seem like the only way to fight fraudulent chargeback claims
is through legal means.
| |
In Help, sputnikcharlie writes:
| | I am a new seller on Bricklink, just a few sales yet, and would like some help
with a possible fraudulent claim against me.
I have just received a chargeback claim from PayPal, which was filed through
the buyer's bank, claiming an "unauthorized transaction" took place, and
requesting all the money back. Because this was done through the bank and not
PayPal, PayPal's seller protections does not apply, and all they can do is
to act as mediator between myself and the buyer's bank. I have provided PayPal
with all the necessary proof that the sale was legit, which they will forward
to the claimant's bank.
I don't want to go into too much detail as the case is still open, but I
can confirm that the buyer's Bricklink and PayPal addresses match, that I
have proof of delivery from the shipping company, and that the buyer left a positive
review on my Bricklink account. Despite all this, the buyer's bank could
still side with the claimant and I would find myself swindled out of almost $400.
Has anyone had to deal with something similar? If so how did you handle it? What
was the outcome?
Does anyone have any input on how to safeguard against this?
I find myself crying about this situation, and I feel like a fool.
Any help if very much appreciated.
|
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| | | | | Author: | Rob_and_Shelagh | | Posted: | Feb 8, 2022 06:05 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 80 times | | Topic: | Help | |
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| In Help, sputnikcharlie writes:
| | I am a new seller on Bricklink, just a few sales yet, and would like some help
with a possible fraudulent claim against me.
I have just received a chargeback claim from PayPal, which was filed through
the buyer's bank, claiming an "unauthorized transaction" took place, and
requesting all the money back. Because this was done through the bank and not
PayPal, PayPal's seller protections does not apply, and all they can do is
to act as mediator between myself and the buyer's bank. I have provided PayPal
with all the necessary proof that the sale was legit, which they will forward
to the claimant's bank.
I don't want to go into too much detail as the case is still open, but I
can confirm that the buyer's Bricklink and PayPal addresses match, that I
have proof of delivery from the shipping company, and that the buyer left a positive
review on my Bricklink account. Despite all this, the buyer's bank could
still side with the claimant and I would find myself swindled out of almost $400.
Has anyone had to deal with something similar? If so how did you handle it? What
was the outcome?
Does anyone have any input on how to safeguard against this?
I find myself crying about this situation, and I feel like a fool.
Any help if very much appreciated.
|
This has happened to us a couple of times in the past. In both cases it turned
out that the buyer was unaware of the chargeback which had been initiated by
the bank without his knowledge. I would urge you to politely contact the buyer
directly and ask him to advise what happened and if necessary make a new payment.
Hope this is the case and not fraud in which case you my need to contact the
authorities.
Hope this helps
Robert
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| | | | | | | Author: | sputnikcharlie | | Posted: | Feb 8, 2022 14:14 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 69 times | | Topic: | Help | |
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| In Help, Rob_and_Shelagh writes:
| | In Help, sputnikcharlie writes:
| | I am a new seller on Bricklink, just a few sales yet, and would like some help
with a possible fraudulent claim against me.
I have just received a chargeback claim from PayPal, which was filed through
the buyer's bank, claiming an "unauthorized transaction" took place, and
requesting all the money back. Because this was done through the bank and not
PayPal, PayPal's seller protections does not apply, and all they can do is
to act as mediator between myself and the buyer's bank. I have provided PayPal
with all the necessary proof that the sale was legit, which they will forward
to the claimant's bank.
I don't want to go into too much detail as the case is still open, but I
can confirm that the buyer's Bricklink and PayPal addresses match, that I
have proof of delivery from the shipping company, and that the buyer left a positive
review on my Bricklink account. Despite all this, the buyer's bank could
still side with the claimant and I would find myself swindled out of almost $400.
Has anyone had to deal with something similar? If so how did you handle it? What
was the outcome?
Does anyone have any input on how to safeguard against this?
I find myself crying about this situation, and I feel like a fool.
Any help if very much appreciated.
|
This has happened to us a couple of times in the past. In both cases it turned
out that the buyer was unaware of the chargeback which had been initiated by
the bank without his knowledge. I would urge you to politely contact the buyer
directly and ask him to advise what happened and if necessary make a new payment.
Hope this is the case and not fraud in which case you my need to contact the
authorities.
Hope this helps
Robert
|
I am debating whether or not to contact the buyer, especially since a positive
feedback was left about the item, and the buyer has a lot of positive feedback.
However, my only concern it whether this is appropriate in case I need to file
a lawsuit against the buyer.
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| | | | | | | | | Author: | SezaR | | Posted: | Feb 8, 2022 15:42 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 64 times | | Topic: | Help | |
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| In Help, sputnikcharlie writes:
| | In Help, Rob_and_Shelagh writes:
| | In Help, sputnikcharlie writes:
| | I am a new seller on Bricklink, just a few sales yet, and would like some help
with a possible fraudulent claim against me.
I have just received a chargeback claim from PayPal, which was filed through
the buyer's bank, claiming an "unauthorized transaction" took place, and
requesting all the money back. Because this was done through the bank and not
PayPal, PayPal's seller protections does not apply, and all they can do is
to act as mediator between myself and the buyer's bank. I have provided PayPal
with all the necessary proof that the sale was legit, which they will forward
to the claimant's bank.
I don't want to go into too much detail as the case is still open, but I
can confirm that the buyer's Bricklink and PayPal addresses match, that I
have proof of delivery from the shipping company, and that the buyer left a positive
review on my Bricklink account. Despite all this, the buyer's bank could
still side with the claimant and I would find myself swindled out of almost $400.
Has anyone had to deal with something similar? If so how did you handle it? What
was the outcome?
Does anyone have any input on how to safeguard against this?
I find myself crying about this situation, and I feel like a fool.
Any help if very much appreciated.
|
This has happened to us a couple of times in the past. In both cases it turned
out that the buyer was unaware of the chargeback which had been initiated by
the bank without his knowledge. I would urge you to politely contact the buyer
directly and ask him to advise what happened and if necessary make a new payment.
Hope this is the case and not fraud in which case you my need to contact the
authorities.
Hope this helps
Robert
|
I am debating whether or not to contact the buyer, especially since a positive
feedback was left about the item,
|
Are you worried for the postivie feedback to be changed to negative?
The buyer can remove the feedback (and replace it with a negative) up to 30 days
after he left the feedback.
By I really don't think you should worry him. If he has many positive feedbacks,
I would be more comfortable to let him know that a chargeback was filed for this
transaction.
| | and the buyer has a lot of positive feedback.
However, my only concern it whether this is appropriate in case I need to file
a lawsuit against the buyer.
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| | | | | | | | | | | Author: | sputnikcharlie | | Posted: | Feb 9, 2022 18:50 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 49 times | | Topic: | Help | |
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| In Help, SezaR writes:
| | In Help, sputnikcharlie writes:
| | In Help, Rob_and_Shelagh writes:
| | In Help, sputnikcharlie writes:
| | I am a new seller on Bricklink, just a few sales yet, and would like some help
with a possible fraudulent claim against me.
I have just received a chargeback claim from PayPal, which was filed through
the buyer's bank, claiming an "unauthorized transaction" took place, and
requesting all the money back. Because this was done through the bank and not
PayPal, PayPal's seller protections does not apply, and all they can do is
to act as mediator between myself and the buyer's bank. I have provided PayPal
with all the necessary proof that the sale was legit, which they will forward
to the claimant's bank.
I don't want to go into too much detail as the case is still open, but I
can confirm that the buyer's Bricklink and PayPal addresses match, that I
have proof of delivery from the shipping company, and that the buyer left a positive
review on my Bricklink account. Despite all this, the buyer's bank could
still side with the claimant and I would find myself swindled out of almost $400.
Has anyone had to deal with something similar? If so how did you handle it? What
was the outcome?
Does anyone have any input on how to safeguard against this?
I find myself crying about this situation, and I feel like a fool.
Any help if very much appreciated.
|
This has happened to us a couple of times in the past. In both cases it turned
out that the buyer was unaware of the chargeback which had been initiated by
the bank without his knowledge. I would urge you to politely contact the buyer
directly and ask him to advise what happened and if necessary make a new payment.
Hope this is the case and not fraud in which case you my need to contact the
authorities.
Hope this helps
Robert
|
I am debating whether or not to contact the buyer, especially since a positive
feedback was left about the item,
|
Are you worried for the postivie feedback to be changed to negative?
The buyer can remove the feedback (and replace it with a negative) up to 30 days
after he left the feedback.
By I really don't think you should worry him. If he has many positive feedbacks,
I would be more comfortable to let him know that a chargeback was filed for this
transaction.
| | and the buyer has a lot of positive feedback.
However, my only concern it whether this is appropriate in case I need to file
a lawsuit against the buyer.
|
|
I really don't care about the buyer changing the feedback, I have enough
proof to show that the sale was legit and the item as described. I just felt
that contacting the buyer was inappropriate, but I have and I am glad that I
did.
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| | | | | | | | | Author: | Adjour | | Posted: | Feb 8, 2022 17:18 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 46 times | | Topic: | Help | |
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| | | I am debating whether or not to contact the buyer, especially since a positive
feedback was left about the item, and the buyer has a lot of positive feedback.
However, my only concern it whether this is appropriate in case I need to file
a lawsuit against the buyer.
|
To be blunt, this is beyond silly. Contact the buyer, like yesterday.
Keep in mind this might be a spouse or other family member having a falling out.
Weird things happen during divorces etc
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| | | | | | | | | | | Author: | Rob_and_Shelagh | | Posted: | Feb 9, 2022 03:10 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 58 times | | Topic: | Help | |
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| In Help, Adjour writes:
| | | | I am debating whether or not to contact the buyer, especially since a positive
feedback was left about the item, and the buyer has a lot of positive feedback.
However, my only concern it whether this is appropriate in case I need to file
a lawsuit against the buyer.
|
To be blunt, this is beyond silly. Contact the buyer, like yesterday.
|
+1
| | Keep in mind this might be a spouse or other family member having a falling out.
Weird things happen during divorces etc.
|
Indeed and how can contacting the buyer with a reasonable question about payment
be detrimental to any future action? I'm not a lawyer but NOT CONTACTING
the buyer would seem like giving the buyer some defense especially if he were
to claim nobody told him there was a problem.
Robert
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| | | | | | | | | Author: | pitz8008 | | Posted: | Feb 9, 2022 07:59 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 45 times | | Topic: | Help | |
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| In Help, sputnikcharlie writes:
| | In Help, Rob_and_Shelagh writes:
| | In Help, sputnikcharlie writes:
| | I am a new seller on Bricklink, just a few sales yet, and would like some help
with a possible fraudulent claim against me.
I have just received a chargeback claim from PayPal, which was filed through
the buyer's bank, claiming an "unauthorized transaction" took place, and
requesting all the money back. Because this was done through the bank and not
PayPal, PayPal's seller protections does not apply, and all they can do is
to act as mediator between myself and the buyer's bank. I have provided PayPal
with all the necessary proof that the sale was legit, which they will forward
to the claimant's bank.
I don't want to go into too much detail as the case is still open, but I
can confirm that the buyer's Bricklink and PayPal addresses match, that I
have proof of delivery from the shipping company, and that the buyer left a positive
review on my Bricklink account. Despite all this, the buyer's bank could
still side with the claimant and I would find myself swindled out of almost $400.
Has anyone had to deal with something similar? If so how did you handle it? What
was the outcome?
Does anyone have any input on how to safeguard against this?
I find myself crying about this situation, and I feel like a fool.
Any help if very much appreciated.
|
This has happened to us a couple of times in the past. In both cases it turned
out that the buyer was unaware of the chargeback which had been initiated by
the bank without his knowledge. I would urge you to politely contact the buyer
directly and ask him to advise what happened and if necessary make a new payment.
Hope this is the case and not fraud in which case you my need to contact the
authorities.
Hope this helps
Robert
|
I am debating whether or not to contact the buyer, especially since a positive
feedback was left about the item, and the buyer has a lot of positive feedback.
However, my only concern it whether this is appropriate in case I need to file
a lawsuit against the buyer.
|
This is nuts that you are hesitant to contact the buyer. SEND THE BUYER A
MESSAGE!!!
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| | | | | Author: | cosmicray | | Posted: | Feb 8, 2022 08:48 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 79 times | | Topic: | Help | |
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| In Help, sputnikcharlie writes:
| | I am a new seller on Bricklink, just a few sales yet, and would like some help
with a possible fraudulent claim against me.
I have just received a chargeback claim from PayPal, which was filed through
the buyer's bank, claiming an "unauthorized transaction" took place, and
requesting all the money back. Because this was done through the bank and not
PayPal, PayPal's seller protections does not apply, and all they can do is
to act as mediator between myself and the buyer's bank. I have provided PayPal
with all the necessary proof that the sale was legit, which they will forward
to the claimant's bank.
|
Something about your description is confusing. If the seller used PayPal as a
Guest, then they are using PayPal Express and have no traditional PayPal account.
What country is the buyer's bank located in ?
Was the PayPal transaction marked as 'Eligible', 'Partially Eligible',
or 'Not Eligible' ?
Did the shipment go out with Signature Tracking ? (the PayPal threshold for signature
is $750USD, but I use a lower threshold)
Nita Rae
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| | | | | | | Author: | sputnikcharlie | | Posted: | Feb 8, 2022 14:22 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 59 times | | Topic: | Help | |
|
| In Help, cosmicray writes:
| | In Help, sputnikcharlie writes:
| | I am a new seller on Bricklink, just a few sales yet, and would like some help
with a possible fraudulent claim against me.
I have just received a chargeback claim from PayPal, which was filed through
the buyer's bank, claiming an "unauthorized transaction" took place, and
requesting all the money back. Because this was done through the bank and not
PayPal, PayPal's seller protections does not apply, and all they can do is
to act as mediator between myself and the buyer's bank. I have provided PayPal
with all the necessary proof that the sale was legit, which they will forward
to the claimant's bank.
|
Something about your description is confusing. If the seller used PayPal as a
Guest, then they are using PayPal Express and have no traditional PayPal account.
What country is the buyer's bank located in ?
Was the PayPal transaction marked as 'Eligible', 'Partially Eligible',
or 'Not Eligible' ?
Did the shipment go out with Signature Tracking ? (the PayPal threshold for signature
is $750USD, but I use a lower threshold)
Nita Rae
|
I have a business PayPal account, which is why PayPal is in, a way, acting as
a mediator between myself and the claimant's bank. Since the claim was opened
through the bank and not through PayPal, PayPal has no final say on the decision.
They do state this way down on the seller's protection info regarding chargeback.
I have no way of knowing whether the buyer's bank is located in the USA or
not. What I know is that the buyer's address on Bricklink and PayPal match
and that it is located in the USA.
Yes, the sale was marked as eligible.
The package was sent with insurance and tracking, not signature tracking, and
I have proof of delivery from the shipping company to the correct address.
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| | | | | | | | | Author: | cosmicray | | Posted: | Feb 8, 2022 17:53 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 61 times | | Topic: | Help | |
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| In Help, sputnikcharlie writes:
| | I have no way of knowing whether the buyer's bank is located in the USA or
not. What I know is that the buyer's address on Bricklink and PayPal match
and that it is located in the USA.
|
If the person used a charge card, from another country, you should see some signs
of a currency conversion fee. If it is a non-USA bank issued card, you can block
those in your PayPal settings (from future use).
How large was the order ?
Nita Rae
|
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| | | | | Author: | calebfishn | | Posted: | Feb 8, 2022 11:59 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 77 times | | Topic: | Help | |
|
| I had a situation with a chargeback. The order went through beautifully, positive
feedback, etc. But then the chargeback. It seemed that an underage member used
Mommy's credit card without permission, and that is why the charge back stated
"unauthorized".
I sent Paypal all the documentation I had, messages about the order, and pointed
out that the buyer now had the lego, and I didn't have the money.
It took a long time, but eventually Paypal sided with me, and covered the cost
to the Credit card company. I still lost money due to Paypal's fees, but
at least it felt like a moral victory.
|
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| | | | | | | Author: | sputnikcharlie | | Posted: | Feb 8, 2022 14:34 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 61 times | | Topic: | Help | |
|
| In Help, calebfishn writes:
| | I had a situation with a chargeback. The order went through beautifully, positive
feedback, etc. But then the chargeback. It seemed that an underage member used
Mommy's credit card without permission, and that is why the charge back stated
"unauthorized".
I sent Paypal all the documentation I had, messages about the order, and pointed
out that the buyer now had the lego, and I didn't have the money.
It took a long time, but eventually Paypal sided with me, and covered the cost
to the Credit card company. I still lost money due to Paypal's fees, but
at least it felt like a moral victory.
|
Thank you for your reply, it is very helpful. Although it is very troubling to
know that this happens to other people on this site as well.
What you describe closely resembles what I am dealing with, minus the underage
member using mummy's credit card without permission.
What I find baffling is that this is a big set, not something you can easily
hide from your parents once it's built, so I am hesitant to believe this
was a kid using a credit card without permission. Also, they would need to have
access not only to the Bricklink account, but also to the PayPal account. This
is a buyer with a lot of feedback.
I have sent PayPal all the documentation I can think of and have spoken to them
directly. However they did state that, since the buyer opened the claim through
their bank, ultimately the decision rests with the claimant's bank. If the
bank sides with the buyer, then I would be out a Lego set, the money and the
PayPal fees. My only option then would be to file a lawsuit against the buyer.
I do agree a moral victory is better than nothing.
Just out of curiosity, did you let Bricklink know about the buyer's behaviour?
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| | | | | | | | | Author: | calebfishn | | Posted: | Feb 9, 2022 00:18 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 52 times | | Topic: | Help | |
|
| In Help, sputnikcharlie writes:
| | In Help, calebfishn writes:
| | I had a situation with a chargeback. The order went through beautifully, positive
feedback, etc. But then the chargeback. It seemed that an underage member used
Mommy's credit card without permission, and that is why the charge back stated
"unauthorized".
I sent Paypal all the documentation I had, messages about the order, and pointed
out that the buyer now had the lego, and I didn't have the money.
It took a long time, but eventually Paypal sided with me, and covered the cost
to the Credit card company. I still lost money due to Paypal's fees, but
at least it felt like a moral victory.
|
Thank you for your reply, it is very helpful. Although it is very troubling to
know that this happens to other people on this site as well.
What you describe closely resembles what I am dealing with, minus the underage
member using mummy's credit card without permission.
What I find baffling is that this is a big set, not something you can easily
hide from your parents once it's built, so I am hesitant to believe this
was a kid using a credit card without permission. Also, they would need to have
access not only to the Bricklink account, but also to the PayPal account. This
is a buyer with a lot of feedback.
I have sent PayPal all the documentation I can think of and have spoken to them
directly. However they did state that, since the buyer opened the claim through
their bank, ultimately the decision rests with the claimant's bank. If the
bank sides with the buyer, then I would be out a Lego set, the money and the
PayPal fees. My only option then would be to file a lawsuit against the buyer.
I do agree a moral victory is better than nothing.
Just out of curiosity, did you let Bricklink know about the buyer's behaviour?
|
It's been awhile, but I'm pretty sure I did report the account, and it
was closed.
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| | | | | | | | | Author: | cosmicray | | Posted: | Feb 9, 2022 06:20 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 39 times | | Topic: | Help | |
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| In Help, sputnikcharlie writes:
| | Also, they would need to have
access not only to the Bricklink account, but also to the PayPal account. This
is a buyer with a lot of feedback.
|
If they used PayPal Express, all they did was drop a CC # for payment. They may
not have a PayPal account (per se).
Nita Rae
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| | | | | | | Author: | Teup | | Posted: | Feb 9, 2022 08:08 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 46 times | | Topic: | Help | |
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| In Help, calebfishn writes:
| | I had a situation with a chargeback. The order went through beautifully, positive
feedback, etc. But then the chargeback. It seemed that an underage member used
Mommy's credit card without permission, and that is why the charge back stated
"unauthorized".
I sent Paypal all the documentation I had, messages about the order, and pointed
out that the buyer now had the lego, and I didn't have the money.
It took a long time, but eventually Paypal sided with me, and covered the cost
to the Credit card company. I still lost money due to Paypal's fees, but
at least it felt like a moral victory.
|
Wow, very surprising that you got the money. PayPal decided to pay up for someone's
Lego - it's very unusual. Definitely fair, but totally against PayPal's
own policy. They told me that when people pull their money back, they always
get it back from the person it was sent to, and there is nothing that could be
done against it. I told them I had nothing to do with that situation and the
money was now mine, but that was irrelevant for them. PayPal simply has a kind
of a no-risk-for-themselves policy.
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| | | | | Author: | Teup | | Posted: | Feb 9, 2022 08:04 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 46 times | | Topic: | Help | |
|
| In Help, sputnikcharlie writes:
| | I am a new seller on Bricklink, just a few sales yet, and would like some help
with a possible fraudulent claim against me.
I have just received a chargeback claim from PayPal, which was filed through
the buyer's bank, claiming an "unauthorized transaction" took place, and
requesting all the money back. Because this was done through the bank and not
PayPal, PayPal's seller protections does not apply, and all they can do is
to act as mediator between myself and the buyer's bank. I have provided PayPal
with all the necessary proof that the sale was legit, which they will forward
to the claimant's bank.
I don't want to go into too much detail as the case is still open, but I
can confirm that the buyer's Bricklink and PayPal addresses match, that I
have proof of delivery from the shipping company, and that the buyer left a positive
review on my Bricklink account. Despite all this, the buyer's bank could
still side with the claimant and I would find myself swindled out of almost $400.
Has anyone had to deal with something similar? If so how did you handle it? What
was the outcome?
Does anyone have any input on how to safeguard against this?
I find myself crying about this situation, and I feel like a fool.
Any help if very much appreciated.
|
This happened to me too. I've mentioned it several times: IMO all talk about
seller protection is silly as long as buyers can simply pull their money back
like that. Don't bother taking pictures to avoid scamming or sending orders
with tracking, buyers don't need any decision from PayPal to get their money
back, they can simply pull it back through the bank. Defeats the PayPal system.
In my case the buyer simply didn't realise it was for his order payment,
so after I contacted him he sent me the money again. Hope you will get your money
back somehow, definitely contact the buyer..
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| | | | | | | Author: | cosmicray | | Posted: | Feb 9, 2022 08:22 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 47 times | | Topic: | Help | |
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| In Help, Teup writes:
| | In my case the buyer simply didn't realise it was for his order payment,
so after I contacted him he sent me the money again. Hope you will get your money
back somehow, definitely contact the buyer..
|
Which suggests that the information on the customer's statement did not click
enough buttons for them to make the connection. That information is supplied
from settings on your PayPal account. Might be a good idea to o look at what
is entered there.
Nita Rae
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| | | | | | | | | Author: | Teup | | Posted: | Feb 9, 2022 11:11 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 45 times | | Topic: | Help | |
|
| In Help, cosmicray writes:
| | In Help, Teup writes:
| | In my case the buyer simply didn't realise it was for his order payment,
so after I contacted him he sent me the money again. Hope you will get your money
back somehow, definitely contact the buyer..
|
Which suggests that the information on the customer's statement did not click
enough buttons for them to make the connection. That information is supplied
from settings on your PayPal account. Might be a good idea to o look at what
is entered there.
Nita Rae
|
Hm, I am not sure but I don't think there is any name or other transaction
info associated with this. In my case, the buyer just had given PayPal permission
to draw funds from his bank account whenever needed. AFAIK it's separate
from the payment to the seller, and it can also be just a part of the full sum
if there is some but not enough money on the balance when the payment is made.
And I my buyer just saw a notification that he had an upcoming collection by
PayPal, maybe just like that without additional info. And not remembering what
it was for, he decided to block it.
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| | | | | Author: | sputnikcharlie | | Posted: | Feb 9, 2022 16:20 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 52 times | | Topic: | Help | |
|
| In Help, sputnikcharlie writes:
| | I am a new seller on Bricklink, just a few sales yet, and would like some help
with a possible fraudulent claim against me.
I have just received a chargeback claim from PayPal, which was filed through
the buyer's bank, claiming an "unauthorized transaction" took place, and
requesting all the money back. Because this was done through the bank and not
PayPal, PayPal's seller protections does not apply, and all they can do is
to act as mediator between myself and the buyer's bank. I have provided PayPal
with all the necessary proof that the sale was legit, which they will forward
to the claimant's bank.
I don't want to go into too much detail as the case is still open, but I
can confirm that the buyer's Bricklink and PayPal addresses match, that I
have proof of delivery from the shipping company, and that the buyer left a positive
review on my Bricklink account. Despite all this, the buyer's bank could
still side with the claimant and I would find myself swindled out of almost $400.
Has anyone had to deal with something similar? If so how did you handle it? What
was the outcome?
Does anyone have any input on how to safeguard against this?
I find myself crying about this situation, and I feel like a fool.
Any help if very much appreciated.
|
I really appreciate everybody's input.
I contacted the buyer who had no idea what a chargeback was and was not aware
that the bank had issued one. It turns out that he had used his mother's
credit card with her consent and she had opened an unauthorized claim with her
bank. Whichever way one looks at it, this is definitely fraud.
The buyer has offered to send back the set as it was sent to him, or to pay me
back at the end of the month. I elected for the set to be sent back and for him
to pay shipping and insurance. I am waiting for his reply.
I have contacted PayPal about this but obviously this is out of their control
and they cannot stop the claim. I need to see how I can now end this case once
I refund the money tomorrow.
This had been a huge learning curve and if it ever happens again, I will do as
many of you have suggested, contact the buyer as soon as possible.
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| | | | | | | Author: | Brick.Door | | Posted: | Feb 9, 2022 17:54 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 49 times | | Topic: | Help | |
|
| In Help, sputnikcharlie writes:
| |
I contacted the buyer who had no idea what a chargeback was and was not aware
that the bank had issued one. It turns out that he had used his mother's
credit card with her consent and she had opened an unauthorized claim with her
bank. Whichever way one looks at it, this is definitely fraud.
The buyer has offered to send back the set as it was sent to him, or to pay me
back at the end of the month. I elected for the set to be sent back and for him
to pay shipping and insurance. I am waiting for his reply.
I have contacted PayPal about this but obviously this is out of their control
and they cannot stop the claim. I need to see how I can now end this case once
I refund the money tomorrow.
This had been a huge learning curve and if it ever happens again, I will do as
many of you have suggested, contact the buyer as soon as possible.
|
I had something similar happen - I contacted the customer and he realized he
made a mistake in filing the claim. He didn't recognize the store name on
the credit card statement and didn't realize it was for the purchase of his
Bricklink order.
Same in your case - the mother forgot she had authorized the purchase. It isn't
fraud (no intent to cheat you) it's just a mistake - she should be able to
contact her cc company and clear it up.
Not sure why you would want to have the set sent back.
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| | | | | | | | | Author: | sputnikcharlie | | Posted: | Feb 9, 2022 18:01 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 48 times | | Topic: | Help | |
|
| In Help, Brick.Door writes:
| | In Help, sputnikcharlie writes:
| |
I contacted the buyer who had no idea what a chargeback was and was not aware
that the bank had issued one. It turns out that he had used his mother's
credit card with her consent and she had opened an unauthorized claim with her
bank. Whichever way one looks at it, this is definitely fraud.
The buyer has offered to send back the set as it was sent to him, or to pay me
back at the end of the month. I elected for the set to be sent back and for him
to pay shipping and insurance. I am waiting for his reply.
I have contacted PayPal about this but obviously this is out of their control
and they cannot stop the claim. I need to see how I can now end this case once
I refund the money tomorrow.
This had been a huge learning curve and if it ever happens again, I will do as
many of you have suggested, contact the buyer as soon as possible.
|
I had something similar happen - I contacted the customer and he realized he
made a mistake in filing the claim. He didn't recognize the store name on
the credit card statement and didn't realize it was for the purchase of his
Bricklink order.
Same in your case - the mother forgot she had authorized the purchase. It isn't
fraud (no intent to cheat you) it's just a mistake - she should be able to
contact her cc company and clear it up.
Not sure why you would want to have the set sent back.
|
The reason I would like the set back is because the buyer said he would either
send it back, or pay at the end of the month. NO mention was made about the buyer
contacting the bank to let them know that they had made a mistake. None whatsoever.
If this is a disagreement between mother and child then they should sort it out
themselves, since the buyer claims that he had the mother's approval to use
her card, and yet she filed an unauthorised claim with her bank. If they contact
the bank and cancel the claim then I more than happy for the buyer to keep the
set.
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| | | | | | | | | Author: | sputnikcharlie | | Posted: | Feb 9, 2022 18:04 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 42 times | | Topic: | Help | |
|
| In Help, Brick.Door writes:
| | In Help, sputnikcharlie writes:
| |
I contacted the buyer who had no idea what a chargeback was and was not aware
that the bank had issued one. It turns out that he had used his mother's
credit card with her consent and she had opened an unauthorized claim with her
bank. Whichever way one looks at it, this is definitely fraud.
The buyer has offered to send back the set as it was sent to him, or to pay me
back at the end of the month. I elected for the set to be sent back and for him
to pay shipping and insurance. I am waiting for his reply.
I have contacted PayPal about this but obviously this is out of their control
and they cannot stop the claim. I need to see how I can now end this case once
I refund the money tomorrow.
This had been a huge learning curve and if it ever happens again, I will do as
many of you have suggested, contact the buyer as soon as possible.
|
I had something similar happen - I contacted the customer and he realized he
made a mistake in filing the claim. He didn't recognize the store name on
the credit card statement and didn't realize it was for the purchase of his
Bricklink order.
Same in your case - the mother forgot she had authorized the purchase. It isn't
fraud (no intent to cheat you) it's just a mistake - she should be able to
contact her cc company and clear it up.
Not sure why you would want to have the set sent back.
|
And by the way, it is fraud to use someone else's card and pretend to be
that person, it's called impersonating some else.
|
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| | | | | Author: | pitz8008 | | Posted: | Feb 9, 2022 17:58 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 46 times | | Topic: | Help | |
|
| In Help, sputnikcharlie writes:
| | I am a new seller on Bricklink, just a few sales yet, and would like some help
with a possible fraudulent claim against me.
I have just received a chargeback claim from PayPal, which was filed through
the buyer's bank, claiming an "unauthorized transaction" took place, and
requesting all the money back. Because this was done through the bank and not
PayPal, PayPal's seller protections does not apply, and all they can do is
to act as mediator between myself and the buyer's bank. I have provided PayPal
with all the necessary proof that the sale was legit, which they will forward
to the claimant's bank.
I don't want to go into too much detail as the case is still open, but I
can confirm that the buyer's Bricklink and PayPal addresses match, that I
have proof of delivery from the shipping company, and that the buyer left a positive
review on my Bricklink account. Despite all this, the buyer's bank could
still side with the claimant and I would find myself swindled out of almost $400.
Has anyone had to deal with something similar? If so how did you handle it? What
was the outcome?
Does anyone have any input on how to safeguard against this?
I find myself crying about this situation, and I feel like a fool.
Any help if very much appreciated.
|
Hopefully you gave this buyer immediate positive feedback.
|
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| | | | | | | Author: | SezaR | | Posted: | Feb 9, 2022 18:26 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 38 times | | Topic: | Help | |
|
| In Help, pitz8008 writes:
| | In Help, sputnikcharlie writes:
| | I am a new seller on Bricklink, just a few sales yet, and would like some help
with a possible fraudulent claim against me.
I have just received a chargeback claim from PayPal, which was filed through
the buyer's bank, claiming an "unauthorized transaction" took place, and
requesting all the money back. Because this was done through the bank and not
PayPal, PayPal's seller protections does not apply, and all they can do is
to act as mediator between myself and the buyer's bank. I have provided PayPal
with all the necessary proof that the sale was legit, which they will forward
to the claimant's bank.
I don't want to go into too much detail as the case is still open, but I
can confirm that the buyer's Bricklink and PayPal addresses match, that I
have proof of delivery from the shipping company, and that the buyer left a positive
review on my Bricklink account. Despite all this, the buyer's bank could
still side with the claimant and I would find myself swindled out of almost $400.
Has anyone had to deal with something similar? If so how did you handle it? What
was the outcome?
Does anyone have any input on how to safeguard against this?
I find myself crying about this situation, and I feel like a fool.
Any help if very much appreciated.
|
Hopefully you gave this buyer immediate positive feedback.
|
Awesome comment 
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| | | | | | | | | Author: | sputnikcharlie | | Posted: | Feb 9, 2022 18:48 | | Subject: | Re: Fraudulent chargeback claim | | Viewed: | 53 times | | Topic: | Help | |
|
| In Help, SezaR writes:
| | In Help, pitz8008 writes:
| | In Help, sputnikcharlie writes:
| | I am a new seller on Bricklink, just a few sales yet, and would like some help
with a possible fraudulent claim against me.
I have just received a chargeback claim from PayPal, which was filed through
the buyer's bank, claiming an "unauthorized transaction" took place, and
requesting all the money back. Because this was done through the bank and not
PayPal, PayPal's seller protections does not apply, and all they can do is
to act as mediator between myself and the buyer's bank. I have provided PayPal
with all the necessary proof that the sale was legit, which they will forward
to the claimant's bank.
I don't want to go into too much detail as the case is still open, but I
can confirm that the buyer's Bricklink and PayPal addresses match, that I
have proof of delivery from the shipping company, and that the buyer left a positive
review on my Bricklink account. Despite all this, the buyer's bank could
still side with the claimant and I would find myself swindled out of almost $400.
Has anyone had to deal with something similar? If so how did you handle it? What
was the outcome?
Does anyone have any input on how to safeguard against this?
I find myself crying about this situation, and I feel like a fool.
Any help if very much appreciated.
|
Hopefully you gave this buyer immediate positive feedback.
|
Awesome comment
|
Of course I did!!!
I will get it removed, but I am not sure whether to contact Bricklink about the
buyer's behaviour. It seems more and more to be a 'child' who used
his mother's card with her consent and not they are having a fight about
the purchase. The mother field the unauthorised claim against me and so far there
had been no mention of ending it.
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USA, Illinois
United Kingdom, England
Canada, British Columbia
Netherlands, Utrecht