Sold ebay item, 5 months later buyer does a cc chargeback!

AsknAnswer2

I think the question here is whether the payment was authorised, not whether the item was bought and delivered. i.e someone using another person's credit card details to make an ebay purchase.

If that's the case, proof of delivery won't help unless it can be proven that the person who used the credit card was authorised to do so (or that the credit card belonged to the buyer)

*gem*

AsknAnswer2 wrote: »

I think the question here is whether the payment was authorised, not whether the item was bought and delivered. i.e someone using another person's credit card details to make an ebay purchase.

If that's the case, proof of delivery won't help unless it can be proven that the person who used the credit card was authorised to do so (or that the credit card belonged to the buyer)

So you're saying that my son could buy an Xbox with my credit card and when I notice 5 months later, I could do a chargeback and have both the money and Xbox?

shaun_from_Africa

I think the question here is whether the payment was authorised, not whether the item was bought and delivered. i.e someone using another person's credit card details to make an ebay purchase.

If that's the case, proof of delivery won't help unless it can be proven that the person who used the credit card was authorised to do so (or that the credit card belonged to the buyer)

Proof of delivery is about the only thing that will help. Providing this was obtained and the goods were sent to the registered paypal address, it doesn't matter who used the credit card.
This is the whole idea of Paypal seller protection, the basics of which are shown below.

Why do chargebacks occur?

There are a few reasons why a buyer would request a chargeback:

• An unauthorised payment was made with the buyer's card.

How do you dispute a chargeback?

If you wish to dispute a chargeback, you will need to provide certain information and evidence depending on the case. Below are the two most common reasons for chargebacks and the information you need to provide in each case:

2. Unauthorised use of credit card
You should provide:

• Tracking number for delivery of the item
• Proof of a refund – this can be evidence from your PayPal account, the back and front copy of a cheque, or a money order used to reimburse the buyer
• Any communication from the buyer, such as emails or positive feedback on eBay
• Any contracts signed or information on the sent item
• Date that the item was sent and the address it was sent to

DCFC79

Surely if someone had obtained the card details fraudulantly they could onyl get the item delivered to the address that the credit card is registered at so if thats the case then why try to buy an xbox fraudulantly

watcher27

DCFC79 wrote: »

Surely if someone had obtained the card details fraudulantly they could onyl get the item delivered to the address that the credit card is registered at so if thats the case then why try to buy an xbox fraudulantly

Exactly my point! I posted the xbox to the paypal registered address and the name on that account matches the name of the person who signed for it on the POD!!!! And yet i have a sinking feeling paypal wont give me my money back :mad:

Paypal say they are disputing it with the cc company, but surely they should give me my £200 pound back under the seller protection policy and then they can continue to argue with the cc company to recover their money.

marleyboy

Is it possible they used a stolen or cloned card to make an unauthorized transaction with the bank?. I have no doubt you will get refunded in time, but imagine if their is a dispute or criminal activity to be addressed, would cause some form of delay.

Mark_Hewitt

rayj wrote: »

Nowadays you have to act like a business whereby you keep every scrap of paper for at least 12 months.

Yes, at least. You need to at least have detailed records going back 7 years.

DCFC79

watcher27 wrote: »

Exactly my point! I posted the xbox to the paypal registered address and the name on that account matches the name of the person who signed for it on the POD!!!! And yet i have a sinking feeling paypal wont give me my money back :mad:

Paypal say they are disputing it with the cc company, but surely they should give me my £200 pound back under the seller protection policy and then they can continue to argue with the cc company to recover their money.

be interesting to hear why she has done a chnargeback then since the 1 who signed for it was the 1 buyer

watcher27

Well an update for you:

Paypal have finally decided to cover me and have reimbursed the money!:beer:

Im so relieved, this has been going on since 24th November :mad:

However, im unsure what to do next.
I sent paypal all the details that parcelforce sent me, including all the delivery information & the signature of the person who signed for the xbox. They all match! The ebay user name, the address on paypal & the name who signed for it!
When these were sent to the CC company, they turned round and said the cardholder's chargeback was still valid! And the reason was unauthorized use!?
Do i go to the police? I have the address where the xbox was delivered, the persons signature etc, so surely that person was the one committing the fraud?? I also kept a record of the xbox's serial number.

Thoughts?

shaun_from_Africa

I wouldn't bother going to the police as they wouldn't be interested.

As it now stands, you have suffered no financial loss, as the only one to have lost money is Paypal.
They may attempt to take it further, but I wouldn't be surprised if they just write it off.

It's taken a bit of time (and no doubt, a lot of stress), but at least it shows that if the paypal guidelines are followed to the letter, their protection does sometimes work.

Even though the ebay user, card holder and person who signed for the xbox appear to be the same person, it is still possible that it was unauthorised use of the card.

I could easily wait until my wife was away for a few days, log on to her ebay account and buy something, using her paypal details. Then when it was delivered, scribble her name and signature on the delivery slip or electronic reader. (I've never once seen a delivery agent actually look at this after I've signed for something).

I wouldn't be surprised to find that it was the sellers son, daughter or someone else living in the house who did this.