Chargeback - Accepting Liability - Good or Bad?

anotherpaypalvictim · #1 10-19-2012

Hi All,

I have stealth account which has been running for 9 months. Today a buyer has issued 6 unauthorised payment charge-backs for items purchased nearly 4 months ago. I have tracking information confirming delivery and Ebay messages spanning 1 month. This buyer has made 14 transactions in total so I'm waiting to see if he disputes the remainder with the bank.

My question is: do I upload the tracking information or just accept liability?

Or does it not matter because either way I'm screwed AGAIN? Can I kiss good bye to my account?

Please help.

meVebay · #2 10-19-2012

Chargebacks are part and parcel of the game.

eBay and PayPal know this. They do have a team that just deals with chargebacks, I'd upload the tracking then give them a call.

Believe it or not they hate chargebacks as much as we do as sellers. Especially ones that are not genuine.

I'd also take screenshots of the payment pages that confirm seller protection applied. I've heard rumours that they sometimes change that once a chargeback happens!

And no, one chargeback with tracking details would not be enough to kill your account on it's own.

anotherpaypalvictim · #3 10-19-2012

Thanks for replying.

I'm just wondering whether to just accept liability rather than having to ring them and mess around with tracking information. This buyer has already disputed 6 transactions and potentially could dispute the other 8! 14 charge-backs!!!

oompaloompa · #4 10-19-2012

of course fight it, give the tracking and they will fight it for you.

The card takes money back from your acc, so if you are in neg balance, you would need to add funds or they will start hassling you to do it or get limited.

Paypal fights it, and it can take 2-3 months and it is cards decision whether to refund you back.

meVebay · #5 10-19-2012

And your willing to take the hit on all 14?

Don't forget PayPal add a admin fee on each chargeback. Think it's around £11.

Fight it, it's going to look worse on your account accepting a refunding than being honest and providing tracking.

anotherpaypalvictim · #6 10-19-2012

Quote:

Originally Posted by meVebay

And your willing to take the hit on all 14?

Don't forget PayPal add a admin fee on each chargeback. Think it's around £11.

Fight it, it's going to look worse on your account accepting a refunding than being honest and providing tracking.

Yeah I had a couple of charge backs a couple of months ago and the admin fee was £15 per transaction...

I just really don't know what to do, I would rather take the hit of £180 than have potentially 14 cases open for months awaiting a decision... I can't handle the stress lol

The other issue I have is the 14 transactions were purchased separately so i bulked them together and posted them in 5 separate packets all tracked, but I'm wondering whether Paypal will want tracking numbers for each individual transaction? This is why I'm wondering whether to just accept liability...

GreenBean · #7 10-19-2012

Quote:

Originally Posted by anotherpaypalvictim

I just really don't know what to do, I would rather take the hit of £180 than have potentially 14 cases open for months awaiting a decision... I can't handle the stress lol

Stop with being such a wuzburger.

Are YOU being ripped off by a buyer?

If it is YES, then take the steps to defend yourself.

this buyer may well be a serial cheater. Stop them NOW

mercurial333 · #8 10-19-2012

Only have to upload the tracking into the Paypal chargeback. Copy/Paste ( 3 seconds for each xD ). No need to call ( in the US at least ).

anotherpaypalvictim · #9 10-20-2012

Quote:

Originally Posted by GreenBean™

Stop with being such a wuzburger.

Are YOU being ripped off by a buyer?

If it is YES, then take the steps to defend yourself.

this buyer may well be a serial cheater. Stop them NOW

Say we do fight it, and we're covered by paypal seller protection, so I get my money back and paypal have to pay the charges etc out of their own pocket. You don't think they'll deem me as high risk and decide they want to part ways with me? It's not a small amount, the transactions alone amount to over £300, plus £15 chargeback fee for each of the 14 items.

I have £6k in this account (most of it 10% rolling reserve they've put on the account) and can't afford for it to get limited.

oompaloompa · #10 10-20-2012

they may deem you as high risk, as they can be illogical at times.
but in your favour, you are the victim of ONE multiple chargebacker. I understand it is not alot of money in the bigger picture of a successful account and you want to move on.
but if you do not upload tracking, what does that say about you?

that you are a seller that does not send goods or at the very least you do not obtain tracking for them.

rsot · #11 10-20-2012

You have tracking info - fight it hard. PP may deny you because - to be honest - on the large part, its much easier for them to be douch*bags and let the seller suffer with an additional fee than going hard after the buyer.

But you have to try.

mattytman · #12 10-20-2012

Quote:

Originally Posted by oompaloompa

but if you do not upload tracking, what does that say about you?

that you are a seller that does not send goods or at the very least you do not obtain tracking for them.

I second this! If you don't fight it you're much higher risk to PP. You are willing to take the hit and lose out right? So send them the tracking details with the thought that you're still going to lose. If you do, no biggie. If you win then great.

To PP you are a genuine seller (at the moment). So what possible reason could there be for you not providing them the tracking details? To a PayPal employee there can only be two logical answers. 1, he doesn't want to rock the boat on his account or 2, he doesn't have tracking because he hasn't sent the items. Both equal high risk. Both 'probably' equal waving goodby to your £6k until March next year.

These people are now called scammers using chargebacks etc. It makes it seem less serious in those terms. At the end of the day its theft and fraud. Don't let some punk think he can rob your items and not pay for them. Ok, you can take the hit with £6k in there, but the next person he does it to might not be so fortunate and may not be able to pay their rent because of it!!!

mcmx · #13 10-20-2012

Just wondering if the buyer ever left feedback?

By the way, I never understood why PayPal wants people to upload tracking info for an unauthorized payment claim. What they should be asking is that the buyer uploads info proving that the transaction WAS in fact unauthorized! Assuming you sent it to the confirmed address with proof - proving it was received or not is pretty irrelevant to the whole claim if you ask me. Nevertheless, they're idiots and that's what they're asking for so give it to them and don't let this buyer scam you

meVebay · #14 10-21-2012

PayPal accept proof of postage in unauthorised cases because if someone else had made the purchase, they wouldn't have had it shipped to the card holders address would they.

anotherpaypalvictim · #15 10-21-2012

Thanks for all the replies.

At the end of the day the scammer has already received the money back by via their card issuer so they've already successfully scammed a seller. Now the question is who stumps up for the bill? Me or Paypal? I personally think if PayPal have to pay because of seller protection they'll be pretty peeved off... I guess it all boils down to their risk management strategy.... What's more high risk to them:

Sellers who do upload tracking info and PayPal foot the bill?

Sellers who don't upload tracking info and accept liability?

GreenBean · #16 10-21-2012

Sellers who are INNOCENT provide tracking.

Sellers fight to the death for their rights.

Did you do WRONG in this transaction?

Did you? If the reply is NO, dish out the Karma

Gamefreak · #17 10-21-2012

You never want to accept liability for anything, especially if you are right.

Accepting liability equals guilt, guilt equals risk, risk equals limitations, limitations equals suspensions.

The last time you want to seem to paypal is as a risk as that causes MAJOR problems...

oompaloompa · #18 10-21-2012

If you win then the buyer card would refund the money back to you..and it is the card decision....paypal fights it on your behalf, paypal cannot fight it unless you give them the tracking etc...

so it is NOT paypal paying, it is YOU. Only time paypal would pay is if you ran off leaving a neg balance...

the buyer may get his fingers burned in a different way if you think about it, if the buyer is prolific, the card issuer may see this is happening too often - if you leave it, the card cannot note that the buyer is dishonest...

anotherpaypalvictim · #19 10-24-2012

The buyer has sent another 2 charge-backs! I'm now on 8 charge-backs, so they are set to try and scam me for all 14 of the transactions! Can you believe this...

After I've uploaded the tracking information, is it worth mentioning that I have numerous conversations with this buyer? The issue is my Ebay account is a different name/address to my Paypal.

Thanks for all replies

Gamefreak · #20 10-24-2012

Call ebay and see if someone will look at it while u have them on the phone.. best and quickly way rather than to drag it out though paypal

oompaloompa · #21 10-25-2012

it is the tracking that will enable paypal to fight it - do you have tracking???

rsot · #22 10-25-2012

You need to get the tracking up and fast. Call up pp if you have to - eB might not be of much help.