paypal chargeback email

[dylan11235813]

Someone started a chargeback case on paypal and the start of the email from paypal reads:

Dear ........,

One of your buyers filed a chargeback with their credit card provider. The buyer stated that they didn't authorise this purchase.

Here are the details of this case:

Is it normal for a buyer to not have authorised thier own purchase?

[i-love-my-sheep]

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@dylan11235813 wrote:

Someone started a chargeback case on paypal and the start of the email from paypal reads:

Dear ........,

One of your buyers filed a chargeback with their credit card provider. The buyer stated that they didn't authorise this purchase.

Here are the details of this case:

Is it normal for a buyer to not have authorised thier own purchase?

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Sometimes someone has fraudulently used their credit card without them knowing. Other times it's a scam buyer trying to get their money back from something they have bought without having to send the item back.

If you have proof that you posted the item (tracking number), PayPal should cover the charge back, which won't leave you out of pocket. There are another couple of recent threads on this topic, you might be able to find more info in there if no-one else replies to you soon.

[putney32]

also, sometimes it is the bank reneging on a purhase becaause the buyer has overstepped their c/card limit and therefore it is classed as an invalid purchase

[thecatspjs]

... or just someone (who may or may not have overspent their limit) has reported they have lost or misplaced or their card and the bank has been (over) zealous regarding stopping or recovering payment in the vicinity of the time it disappeared ...

[phorum_junkie*]

whatever the reason you either have proof of posting to the buyer's address as given in Paypal in which case you are covered or you don't and will have to cover the cost if it completes.

[dylan11235813]

The thing is though going by paypals email it is the buyer who initiated the unautherised use on thier own credit card. If the card was stolen or something wouldn't the cardholder be making a claim and not the buyer.

I have successfully won a case before without proof of postage, it just cost more than the item was worth.

The buyer registered the same day as purchasing from me and they also filed chargebacks against 2 other sellers as well.

I don't have proof of postage so is it possible to just resend the item with tracking and postage proof and supply that info to paypal?

[digital*ghost]

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@dylan11235813 wrote:

The thing is though going by paypals email it is the buyer who initiated the unautherised use on thier own credit card. If the card was stolen or something wouldn't the cardholder be making a claim and not the buyer.

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You'll probably never know if the buyer is the cardholder, as those details aren't disclosed to the seller. If the buyer is the cardholder, and all their details match 100% (that is, the cardholder's name and address match the name and address used via PayPal), it would be a very poor decision on the bank's behalf to allow an unauthorised use chargeback to be successful, IMHO.