Anyone ever have this problem with a buyer?

CDC4

Back on July 5th I sold some merchandise to a man in London. He paid promptly via Paypal.
Last week while I was on business in Chicago I get an email saying that there is a "charge back" to my account. The buyer apparently filed a claim with his credit card company claiming he did not authorize the payment. This was 75 days after he paid for the goods and now Paypal is saying the burden of proof is on me to show I delivered the product and any other information I have regarding the transactions.

How long is this guy allowed to have that he can try to return stuff 2+ months after the purchase? I mean really this shouldn't even be an issue. The claim is that there was no authorization for the use of his credit card. Well how come he's claiming this now? If he's like myself and 99.999999% of people I get my credit card statements at the end of each month which means that he's already received 3 statements. And now he's saying he didn't authorize this? Paypal has me very angry with them right now. ARGH.

1954

Hate to tell you this but you just lost your money. This is way I don't except paypal for sold items. I got the screws by a guy in China. I sent the stuff insured and paypal did not protect me after the proof was given. Then when I went one step furthur, they told me that they can not protect the seller when it is out of the United States.
Sorry for your loss.

Shane

gaspipe26

Its also why I will not sell to anyone outside the US.

marz

isn't paypal owned by E-bay? if so,what does that tell you!

marz

I used to go for it in all cases with a seller I'd not dealt with before October 5 2005, 5:36 PM


as a means of forcing the seller to mail out the item, until I realized that an unscrupulous seller is going to simply pocket the insurance money too. Since then, I rarely use it as a buyer. As a seller, I clearly state in my listing that if the buyer does not opt for insurance, he assumes all risks of loss. Since I will not take paypal, its treatment of insurance never enters my mind.

My experience as a defrauded buyer has been that Paypal doesn't give a crap whether you actually received the thing you purchased. As long as you got a package, they will deny your claim for buyer protection. That's why I always pay for things via a credit card when it comes to Paypal.

Paypal also has a huge hole in its rules that mandates any seller use delivery confirmation to protect himself, even if he doesn't insure: absent proof of delivery paypal will refund a purchaser's money on the purchaser's say-so, even if the item got there.


this from another post elsewhere~

Tabe

<< <i> As a seller, I clearly state in my listing that if the buyer does not opt for insurance, he assumes all risks of loss. >>


FWIW, that disclaimer won't hold up to a legal challenge. Insurance is there to protect the seller, not the buyer. It's the seller's job to get an item delivered in one piece to the buyer. Why should the buyer be expected to pay extra money to guarantee that the seller will do just that?

Tabe

pandrews

i dont sell to anybody outside the US, even if theyre in Canada.. until paypal figures out theyre sh!t, too bad..

braves72078

Exactly why I closed my Paypal account last month.....I refuse to be taken by them and Ebay. I just hope Wal-Mart doesn't start charging for the "privilege" of using their cash registers.

Bill

Southsider

I had the same thing happen to me with a buyer from Italy a few years back. Paid with Paypal, I shipped, 45 days later I get a notice of reversal for "unauthorized credit card" and I had to provide proof of delivery. To Italy. I was SOL. However, I was able to track down the buyer and he returned the items along with an apology letter (written in Italian!). Quite the odd experience and as a result, I no longer accept Paypal from outside the US.

gaspipe26

I think I may start requiring insurance on items over a certain dollar amount since 70% of my sales are paid via Paypal.

pandrews

<< <i>I think I may start requiring insurance on items over a certain dollar amount since 70% of my sales are paid via Paypal. >>



i require insurance on anything over $30 bucks, but it actually doesnt protect the seller at all.. you need delivery confirmation to have any protection, and if the item is over $250, you need delivery confirmation+sig required, otherwise paypal wont protect the seller..

i thought i had lost a Jordan PSA 9oc rookie ($700) this way.. i sent it priority mail with delivery confirmation AND appropriate insurance, the buyer filed a claim with paypal saying he didnt receive the card, i provided paypal with delivery conf. information and they said that wasnt enough, that i needed to have a signature from the buyer.. (i thought usps insurance requires sig for anything over $50?)

luckily, the buyer emailed me and said he filed the claim by mistake and apologized profusely, he corrected his claim with paypal and they gave me back my money, but for about a week my paypal balance was -$700..

Griffins

I insure everything and include it in the cost of shipping. Insurance is there to protect me, and it's part of my recoverable costs.
Paypal is way too convenient for me not to use.

5STAT

Insurance protects NO ONE.....it's a scam!! Ever try to make a claim?? You can package the material as sound as possible...the Post Office will try to get the blame back on the seller EVERY shot!!
I had a package the came in destroyed!! I mean, it looked like a forklift hit it......2 of the pieces inside were fine...the other was demolished!!
They tried to blame the SENDER for improper packing and claimed that the item shifted in transit....hell yah, you throw a package of glass 20 feet onto a truck....something bound to happen..lol

now I had paid full insurance...after a lengthy battle with the local Postal inspector.....they were going to "GRANT" me 1/3 of the insured value.....GEE....I bought a set of (3) antique canisters...one broke..no more set....so what the heck do you do with the other 2????? NICE huh...

Now as far as cards go..I had one get lost for over a month..I filed a claim....
You have to have proof what the card is worth....and NO a selling price on Ebay and all documentation doen't cut it!!!! As explained by the NICE Postal inspector..."a friend could have bid on that..even though they paid $35..how are we to ensure that it's not worht more than a dime??" ARRGGHHH...talk about frustrating....

So into the post office I treck....Beckett Baseball Monthly in hand....Tuff Stuff in hand...Beckett Quarterly in hand....and all emails...traces from Ebay and Paypal....and a hand written letter from the buyer....

After 2 full weeks of fighting...I got the $30 back!! Had to fill out a stack of forms and waste hours and hours.....I lost more in aggrivation than the darn card was worth.....

But what gets me...is when people buy a $3.00 vintage common from you and pay insurance on it....what are they thinking???
As far as the statement about insurance is there to protect the seller.....no way...not the honest one's.....I get a receipt for EVERY item sent....date/zip code....and if there's insurance or confirmation delivery...all that is kept on file too..
The insurance comes in because I can't ensure what happens to that order after it leaves my hands!! I have proof what I did....if it gets lost..damaged or stolen from there....it's out of my hands...and the insurance is there to protect the BUYER at that point!!
I sent it mint....if it gets run over..dropped.. thown..bent...wet...lost...stolen....after that....it's on the Post Office...not the seller....

oursler

As a seller there is ways to protect yourself from paypal fraud, when you get paid, imdeitatly transfer money to your bank account so if a buyer files a false claim they can't touch it as by law paypal can only take money from your paypal account, not your bank account unless authorized by you. Guy tried pulling that on a michale jordan rookie sold but i tranferred all but $500 of it, when paypal tried taking all money after card has been sent and it was 2 months after the fact all they got was the $500 and couldn't get the rest, wished I transferrred all of it though. On the flip side this can also be used to scam people as sellers can just transfer funds to bank account and never send item and they are protected from anyone trying to take it back. Unless it becomes a lawsuit in which most don't bother for items under $500 because of court costs.