fraudulent customer doing chargebacks

[laptopkieran]

Hi, i have had a customer buy 8 items off me in separate transactions adding up to a total of $2910.00. Then two other sellers contacted me and told me that the buyer does chargebacks.

After checking my paypal, i noticed that for every transaction the buyer used a diffrent paypal account, and already has three "Unauthorised transaction" disputes open against me.

I sent Paypal and Ebay a email explaining what this buyer is doing to multiple sellers, and all i got back was a stupid email telling me to make sure that the money is in my paypal account before sending  items...

So now i am lost of what to do.. so thought i would come to this forum and see if any experienced sellers could give me  some suggestions on what to do next?.

I think Ebay should be getting the authorities onto the buyer, not giving him his money back.

[*sparklz*]

Did you not get any emails to advise of the charge backs?

Did you post via registered post to the address on the paypal payments?

If you have proof of delivery then that is you protection with paypal.

Never been through it but others that have can give a more accurate reply on how to fight t.

[peternt2001]

i am not a seller, but someone brought some items from you and you must have an address for them to send the items.

if it was me i would be contacting the internet fraud division of the police, and giving them all the details of what is happening and what has happened so they can go and pay this person a visit.

[phorum_junkie*]

You either posted by a method qualifying for Paypal seller protection in which case you can successfully defend the chargebacks or you did not in which case you will have to refund the payments and take out civil proceedings against the buyer to try and get your money back.

If you used click & send, registered post, platinum express or eparcel then you are OK.

If there are other sellers involved then you should get together to report them for fraudulently obtaining goods.

[viewmont1071]

If you do as completed listing search on the op you will find the sales were around the 6th October

The OP offered postage as FREE AusPost Parcel with tracking

OP did you send each separately or combine into one package?

If you did combine was it at the request of the buyer??

OP contact the online fraud squad immediately and ring paypal and ask to speak to a supervisor do not take NO for an answer.....

( If the other sellers can also recontact paypal about the username that will also help)

The very fact that the same ebay username  paid with separate paypal acounts for each item is extremely suss.

Check your tracking details to see if the chargebacks you have received correlate with the items already delivered

phorum junkees quote below in italics is poppyock....

You either posted by a method qualifying for Paypal seller protection in which case you can successfully defend the chargebacks or you did not in which case you will have to refund the payments and take out civil proceedings against the buyer to try and get your money back.

paypal in its sole discretion decides whether they will defend the chargeback on your behalf... In fact paypal states that "they can help YOU build a powerful defence

....... It does not matter how you posted the items........

do not even wait for that start defending it yourself now by collecting evidence for the ombudsman

.... The best evidence are the other sellers claims as it will show/emphasize paypals lack of due diligence to you as their customer

[viewmont1071]

some links for you OP... the banks chargeback guides can help you work out the evidence you will nedd to defend the chargeback yourself 

............ especially the advice re card not present transactions.

I guess some Einstein will comment that..... "those tips and requirements are for merchant accounts"..... 

Any card not present (moto) transaction will require the same evidence to successfully defend a chargeback regardless of who the FSP is

https://www.paypal.com/au/webapps/mpp/security/sell-chargebackfaq

http://www.westpac.com.au/docs/pdf/bb/Chargeback_FAQ_2006.pdf

http://www.nab.com.au/wps/wcm/connect/377557804b9d6b779fcfdff1eeeae8e9/Credit_Crad_Fraud_Brochure.pdf?MOD=AJPERES&CACHEID=377557804b9d6b779fcfdff1eeeae8e9

[viewmont1071]

If things really get nasty.......  ask paypal through the ombudsman how many of the protocols they followed below to protect you as their consumer against a card not present chargeback ???

How to reduce Internet and MOTO fraud

Merchants can minimise the possibility of fraudulent purchases and chargebacks from Internet and MOTO transactions by implementing the following measures:

• Request the purchaser to provide the CVV2 (Visa) or CVC2 (MasterCard) three digit number located on the signature panel of the credit card. If the purchaser is not in possession of the card, it is unlikely they will know this number.

Request the name of the cardholder’s bank. Fraudsters who have compromised account details will not have this information. If the purchaser hesitates in advising the name of their bank, caution should be exercised.

• Request the purchaser to provide a fax copy of their driver’s license.

• Ensure the customer’s billing address and delivery address is consistent.

• Check the telephone book to verify address and phone numbers provided.

• Never forward goods to a Post Office Box.

• Obtain a signed receipt from the cardholder when the goods are delivered.

• In the case of orders for a large number of different goods, telephone the cardholder after the order is placed to confirm the order.

Also, have the purchaser read back all details of the order. Frequently, where an order is fraudulent, the purchaser will be unable to confirm these details, as they were ordering at random, with no record of what they ordered.

• Be suspicious where multiple cards are used for a single purchase.

• Don’t continue to attempt authorisation after receiving a decline.

• Exercise particular caution in relation to overseas orders.

Large orders should in all cases be held back for shipping while the above enquiries are made into the legitimacy of the purchaser.

Merchants should not ship goods until satisfied that

the purchase is legitimate.

[viewmont1071]

lastly OP if you check this morning and some of the packages remain undelivered then you can request that they are returned to you before delivery citing possible internet/credit card fraud as the reason

This may alleviate any further possible loss for yet to be delivered items if you act quickly

see APs terms and conditions 18

http://auspost.com.au/statutorydocuments/generalpostalservices/frame.htm

18.1 A person who has lodged an article other than an express post article may apply to Australia Post to have the article withheld from delivery and returned to him.

18.4 No article, other than a parcel or a parcel post satchel, shall be returned to an applicant under this clause unless an authorised person determines -

18.4.1 that the applicant is the sender of the article and that:

(i) in the reasonable opinion of Australia Post there are special reasons for permitting the article to be withdrawn and returned; 

you can also log into paypal and check, print and correlate your paypal summarys for each sale. There is much more detailed information regarding the sale.

Check the name at the top of the summary compared to the name given halfway down the pp summary

[laptopkieran]

Yeah i will prove that i sent the packages. But it's not just that i am worried about losing money. Ebay needs to stand up and stop this person from doing this to other sellers. Every time he sent a paypal payment it was from a different name, but all to the same adress. And two other sellers already gave me permission to give their usernames out to Ebay.

It would not be hard to work out what is going on if they actually looked into it.

[peternt2001]

quite often if it is a scam, the person doing the scamming will have items posted to an address that they have somehow won the cooperation of the householder to forward on any items they recieve, sometimes along the lines of

( this seller will not post to my country so if i get them sent to you can you send them on to me and i will pay you for it ) 

so i would still involve the internet fraud squad as quick as you can, you have a delivery address that you can give them, and things take time to get the ball rolling, so the sooner you do it the sooner they can go knock on a door. and if you are lucky and it is a nigerian style scam, your goods will still be there and not forwarded on when the fraud squad knocks on the door.