Am i being scammed?

[jbettis32]

After reading the story, I just then understood why Ebay charges me ~15% selling fee, as they will have to cover those charge back, claim back to those scammers. Ebay should avoid those charge back with the credit card issuers, and I think they are large enough to negotiate with them to prevent those obvious scams with proven delivery. Otherwise, our seller fee will soon rise again for these reasons... The innocents got punished, with scammers running away with easy money....

[cityandcolour]

Update.

Ebay found in the buyers favour and say they will take the money from my account. I will fight this as its ridiculous, but I'm done with using ebay in any capacity.

[ninjabum87]

Thats asinine that they don't require the buyer to ship the card back in order to receive their money back. That money should be held in escrow and the buyer forced to send the card to authentication to match it with the item purchased when it went to authentication the other way.

[cityandcolour]

Originally Posted by ninjabum87

Thats asinine that they don't require the buyer to ship the card back in order to receive their money back. That money should be held in escrow and the buyer forced to send the card to authentication to match it with the item purchased when it went to authentication the other way.

Correct, no sign of the card, and they'll be attempting to debit the money from my bank account in a couple of days As the money is long gone, it'll wind up going to debt collection no doubt.

[Promethius88]

Originally Posted by cityandcolour

Correct, no sign of the card, and they'll be attempting to debit the money from my bank account in a couple of days As the money is long gone, it'll wind up going to debt collection no doubt.

I would contact your bank and freeze your account.

[Sonnys88]

Originally Posted by cityandcolour

Update.

Ebay found in the buyers favour and say they will take the money from my account. I will fight this as its ridiculous, but I'm done with using ebay in any capacity.

Over 4 months later?

Never heard of any eBay case taking that long to resolve.

[cityandcolour]

Originally Posted by Sonnys88

Over 4 months later?

Never heard of any eBay case taking that long to resolve.

It's utterly ridiculous. Essentially the message eBay are sending is that if you follow the rules when selling, it doesn't matter. Breaking the rules as a buyer can be quite lucrative though.

[ninjabum87]

Surely ebay doesn't have such ridiculous buyer protections on the ebay motors side for instance where you can sell someone a car, they send you 40k and then months later the buyer claims they didn't get the car or the car wasn't as advertised and ebay just attempts to yank 5 figures back from you right? But because these are pieces of expensive cardboard they just let people fleece sellers with impunity.

[glen87]

Originally Posted by Sonnys88

Over 4 months later?

Never heard of any eBay case taking that long to resolve.

it is because this was not really an ebay case. it was a credit card company charge back to ebay. most credit cards have buyer protection for at least 6 months, and is not up to ebay.

[ninjabum87]

OP, can you open a case with some sort of Canadian police agency and report the theft of your card through fraudulent chargeback? Over 3k dollars, surely the evidence you have could amount to something?

[cityandcolour]

Originally Posted by glen87

it is because this was not really an ebay case. it was a credit card company charge back to ebay. most credit cards have buyer protection for at least 6 months, and is not up to ebay.

This is true. The end result still happened under their watch though.

Either way, that's me never using eBay again. Have had the account for 15 years, so it's a shame.

I'll be calling eBay soon when their lines are open, but I'm not optimistic it'll get me anywhere

[cityandcolour]

Originally Posted by ninjabum87

OP, can you open a case with some sort of Canadian police agency and report the theft of your card through fraudulent chargeback? Over 3k dollars, surely the evidence you have could amount to something?

In theory I could, but other life situations make me pretty time and energy poor. While it is a lot of money to me, I've also got to look after my mental health here and not spread myself too thin. I'll focus on eBay and potentially our consumer affairs scheme in Australia first, then see what happens I guess.

I do appreciate the suggestion, though.

[glen87]

Originally Posted by ninjabum87

OP, can you open a case with some sort of Canadian police agency and report the theft of your card through fraudulent chargeback? Over 3k dollars, surely the evidence you have could amount to something?

at this point it may be too late. would be a tough thing to prove.

[Sandberg23]

I feel for you op. I had the same thing happen to me. Buyer did a chargeback through their credit card 4 months after the sale. Fortunately for me it was only a $50 card but I stopped selling through eBay because of it. I only sell using auction houses or consignment services now.

[cityandcolour]

Originally Posted by Sandberg23

I feel for you op. I had the same thing happen to me. Buyer did a chargeback through their credit card 4 months after the sale. Fortunately for me it was only a $50 card but I stopped selling through eBay because of it. I got by sell using auction houses or consignment services now.

Yeah, the injustice of it all really sucks honestly.

[RealDocStrange]

I feel so awful about this - If you don’t mind are you able to share the relevant portion of the eBay decision where they seemingly ignore tracking showing delivered, side with buyers credit card co, and decide they will do a chargeback after return window which is against their stated policy and I think against every sellers lifelong experience? Did they mention any other reason for the chargeback? Customs maybe?

I am guessing you somehow got trapped with an inexperienced customer service rep handling this and should escalate heavily.


Sent from my iPhone using Tapatalk

[cityandcolour]

Originally Posted by RealDocStrange

I feel so awful about this - If you don’t mind are you able to share the relevant portion of the eBay decision where they seemingly ignore tracking showing delivered, side with buyers credit card co, and decide they will do a chargeback after return window which is against their stated policy and I think against every sellers lifelong experience? Did they mention any other reason for the chargeback? Customs maybe?

I am guessing you somehow got trapped with an inexperienced customer service rep handling this and should escalate heavily.


Sent from my iPhone using Tapatalk

Just says buyers payment institution sided with buyer and I'm not protected under eBay's sellers protections. Nothing more unfortunately!

I'll be calling them as soon as the phone line is open, and escalating if need be for sure.

[ninjabum87]

Originally Posted by glen87

at this point it may be too late. would be a tough thing to prove.

Did this card go through authentication on ebays side Im wondering? Or is there no authentication between Aus and Canada?

[ninjabum87]

Originally Posted by cityandcolour

Just says buyers payment institution sided with buyer and I'm not protected under eBay's sellers protections. Nothing more unfortunately!

I'll be calling them as soon as the phone line is open, and escalating if need be for sure.

That's crap because a credit card company almost always sides with their cardholder by default on chargebacks unless they abuse it a lot.

[cityandcolour]

Originally Posted by ninjabum87

Did this card go through authentication on ebays side Im wondering? Or is there no authentication between Aus and Canada?

That's not, or wasn't available to me in Australia unfortunately, as I would have preferred to do that.

[cityandcolour]

Ebay webchat was thoroughly unhelpful. Long and short of it is someone will be in touch within 48-72 hours by email. Apparently phone isn't operating until Monday.

[glen87]

Originally Posted by RealDocStrange

I feel so awful about this - If you don’t mind are you able to share the relevant portion of the eBay decision where they seemingly ignore tracking showing delivered, side with buyers credit card co, and decide they will do a chargeback after return window which is against their stated policy and I think against every sellers lifelong experience? Did they mention any other reason for the chargeback? Customs maybe?

I am guessing you somehow got trapped with an inexperienced customer service rep handling this and should escalate heavily.


Sent from my iPhone using Tapatalk

has nothing to do with their return window or tracking, this was initiated by the CC company as a fraudulent payment.

"The only way for businesses to deal with chargeback fraud after the fact is through chargeback disputes. This means disputing each fraudulent chargeback that comes along with sufficient and compelling evidence to prove that a customer did, in fact, authorize a purchase. But like many things in business, the dispute process takes up time and money in investigating and gathering information. "

this is why ebay (and every other company basically) does not fight it. it is too expensive and hard to prove. ebay would have to prove to the CC company that the buyer actually authorized the purchase. how is this even possible when the buyer has written to the CC company that they did not authorize the purchase? it is a no win situation for companies. fight it and they spend more than it would cost to settle.

[RealDocStrange]

Originally Posted by glen87

has nothing to do with their return window or tracking, this was initiated by the CC company as a fraudulent payment.

"The only way for businesses to deal with chargeback fraud after the fact is through chargeback disputes. This means disputing each fraudulent chargeback that comes along with sufficient and compelling evidence to prove that a customer did, in fact, authorize a purchase. But like many things in business, the dispute process takes up time and money in investigating and gathering information. "

this is why ebay (and every other company basically) does not fight it. it is too expensive and hard to prove. ebay would have to prove to the CC company that the buyer actually authorized the purchase. how is this even possible when the buyer has written to the CC company that they did not authorize the purchase? it is a no win situation for companies. fight it and they spend more than it would cost to settle.

I understand this - but if eBay is not going to stand behind sellers with a delivered tracking number it’s a massive risk for sellers and I’ve always heard they cover sellers in this instance.


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[Frog]

I feel for you OP. I got hit with a $1500 chargeback on PayPal a couple years ago. Literally nothing you can do if they go through their bank and dispute it. I talked to PayPal and they told me since it's through their bank, there's nothing they can do

[Kefka891]

It’s scary how simple it is for someone to score a free few thousand bucks.

1. Order something expensive
2. Tell your CC you didn’t
3. Enjoy

Crazy.