So Livid right now! What to do now?

[beached_life]

Hi Guys,

I posted a thing here a while back about a chargeback with Paypal.

Buyer lodged chargeback for two $2.95 items plus $2.00 postage for each, so two charge backs of $4.95.

Upon eBay messaging her, she admitted that she did recieve them and was sorry! Yet, I forwarded Paypal the email reference and and a copy of her admitance.

Today Paypal email me, saying I am at fault, took, the two lots of $4.95 and charged me two $15 fees! I called them and they said it is my problem unless I can even show a reciept for postage. How do you do that when 3 stamps were put on an envelope. YET, wouldn't a buyers admission of saying they got them outweigh a postal reciept?Her admission was sent through ebay!

I just requested her details and called her, and told her she had better contact her bank and paypal, she said she doesnt care now as she doesnt have to pay!

This is wrong, I have the email that was sent through ebay, 3 actually, with her admittance that she did get them!

What can I do now, now I am out of pocket $40, nd I want this back! As clear that I am in the right!

I will go to the effort of lodging a small claims in court just in principle of the matter,

Any advise would be great

Thank you!

[phorum_junkie*]

I am afraid Paypal are not at fault here, the buyer has probably fraudulently used a friend or relative's card and therefore the bank have no option but to allow the chargeback and in line with their clearly stated policies Paypal will only cover the charges if you have used a qualifying delivery method.

The sensible thing to do in this case would have been to agree to the chargeback thus saving the $30 in fees and then have reported the buyer to the police.

You probably will get a discretionary refund from Paypal but there are far too many of this type of complaint where Paypal are only doing what they should that one day they are going to decide enough is enough and they will fight the case with the Ombudsman and will almost certainly win in these circumstances.

the ONLY way to be safe from a chargeback is to use the appropriate delivery method or accept that you may have the occassional unfair chargeback.

Just be thankful that Paypal at least will cover you of you use a qualifying delivery method, if it was Paymate they just take the money out of your bank account without even having to tell you and there is NO seller protection at all however much proof you have the buyer has received their goods.

[lyndal1838]

The $15 is not a paypal fee.  It is the fee imposed by the buyers bank for implementing the chargeback.

[superscanner4]

I'm glad you're following through.  Scammers will just keep doing what they do if nobody does anything about it.  Some buyers are unscrupulous opportunists and they think if it's just a cheap item it won't be chased up.  They get quite a lot of loot if they keep ripping people off for small amounts.

[bliss*charms]

I think PP do have a responsibility.   As they are at least privvy to cross check the credit card name with the ebay purchaser name.

If in a real shop or online I was given the cc details and the name on the card read Mary Jane Smith, and I knew from the purchase details the buyers name was Sue Parker, I could at least request further verificaion, ccv number etc. Such details are all hidden to the ebay seller by Paypal. Ebay sellers have to take Paypal's asssurance all is hunky dory.

[2106greencat]

I think PP do have a responsibility. As they are at least privvy to cross check the credit card name with the ebay purchaser name.

If in a real shop or online I was given the cc details and the name on the card read Mary Jane Smith, and I knew from the purchase details the buyers name was Sue Parker, I could at least request further verificaion, ccv number etc. Such details are all hidden to the ebay seller by Paypal. Ebay sellers have to take Paypal's asssurance all is hunky dory

The problem there tho is, a lot of husbands and wives, friends etc do use others c/cards (with permission one would hope) to do a paypal transaction. I don't believe it is illegal so long as you have permission, and if paypal 'suspended' every transaction for the slight possibility of  'fraudulent use' in the scenario you outlined, no one would ever get paid, or recieve their items. It would be a nightmare. 😞

[bliss*charms]

Sure but that credit card must be added to the Paypal account and in the majority of online credit card transactions I've done the CCV number is requested, requiring physical sighting of the card.

[wishuponastarcelebrationsandgifts]

The problem there tho is, a lot of husbands and wives, friends etc do use others c/cards (with permission one would hope) to do a paypal transaction. I don't believe it is illegal so long as you have permission, and if paypal 'suspended' every transaction for the slight possibility of  'fraudulent use' in the scenario you outlined, no one would ever get paid, or recieve their items. It would be a nightmare. 😞

It is not legal to permit someone else to use your credit card or ATM card. PayPal should require the Paypal account holder's name to match the name on the credit card.

[davewil1964]

How do they do that?

I pay for heaps of things online with my CC.

I have to provide CC number, expiry date and CCV. I have never had to give the cardholder's name.

[viewmont1071]

The paypal payment verification email sometimes has different card owners details as compared to the buyers details.

My wife does not have a personal credit card. She has a second card from my account.

Therefore my name appears on the card but she is the signatory for that particular credit card number.

My own credit card  has a different card number and I am the signatory.

However if the brown stuff hits the fan then I am liable for the debts of both cards regardless of who accrued them.

If you can change the cc transaction form a card not present to a card present transaction and check the relevant card details with some other form of identification then the unauthorised use chargeback probabilities are greatly decreased.

[viewmont1071]

It is not legal to permit someone else to use your credit card or ATM card. PayPal should require the Paypal account holder's name to match the name on the credit card.

An old boss used to let me loose with his personal credit card that was somehow tied to the truck dealership to the tune of 80k a month. I used to buy new old stock truck parts from GM  and then bulk resell them to other Isuzu dealers. 

I bought and signed daily on that card for 5 odd years for everything from employee safety gear to a 70 odd k  NSW RFS second hand fire truck 

... I am not doubting you though

.................... was I technically breaking the law way back when???