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Paypal chargeback question

Duddy

Duddy

Diamond Member
So I got my first ever chargeback on Paypal.

Sold an iPhone to someone on eBay. They paid. I shipped.

Before the iPhone arrived to it's destination, I got notified that the credit card company issued a chargeback against me. The reason is "Unauthorized Payment".


So the first thing that comes to my mind right now, is that someones credit card was stolen and used to buy my iPhone.

So the question is, am I screwed?
 
Originally posted by: Duddy
So I got my first ever chargeback on Paypal.

Sold an iPhone to someone on eBay. They paid. I shipped.

Before the iPhone arrived to it's destination, I got notified that the credit card company issued a chargeback against me. The reason is "Unauthorized Payment".


So the first thing that comes to my mind right now, is that someones credit card was stolen and used to buy my iPhone.

So the question is, am I screwed?
Click to expand...

For your sake I hope you used a premiere and not a personal account.
 
If you used UPS you can attempt an intercept although if it has been a few days it might not work. If you used anyone else, you are pretty much fucked.
 
Who did you use to ship it? If it's UPS or FedEx I think you can call and change the delivery address. Have it shipped back to yourself.
 
Originally posted by: FelixDeKat
Originally posted by: Duddy
So I got my first ever chargeback on Paypal.

Sold an iPhone to someone on eBay. They paid. I shipped.

Before the iPhone arrived to it's destination, I got notified that the credit card company issued a chargeback against me. The reason is "Unauthorized Payment".


So the first thing that comes to my mind right now, is that someones credit card was stolen and used to buy my iPhone.

So the question is, am I screwed?
Click to expand...

For your sake I hope you used a premiere and not a personal account.
Click to expand...

Yes I did. Does that help me?
 
Originally posted by: mugs
Who did you use to ship it? If it's UPS or FedEx I think you can call and change the delivery address. Have it shipped back to yourself.
Click to expand...

USPS. Dammit.
 
I got the email from Paypal, and quickly wrote a 3 page essay describing what happened and submitted it to the case.


If someones card DID get stolen, isn't it the credit card company's responsibility to "pick up the tab"? Especially if it wasn't reported lost/stolen by the card holder?
 
Originally posted by: Duddy
Originally posted by: FelixDeKat
Originally posted by: Duddy
So I got my first ever chargeback on Paypal.

Sold an iPhone to someone on eBay. They paid. I shipped.

Before the iPhone arrived to it's destination, I got notified that the credit card company issued a chargeback against me. The reason is "Unauthorized Payment".


So the first thing that comes to my mind right now, is that someones credit card was stolen and used to buy my iPhone.

So the question is, am I screwed?
Click to expand...

For your sake I hope you used a premiere and not a personal account.
Click to expand...

Yes I did. Does that help me?
Click to expand...

They're supposed to have a fraud protection team on your side if you do. 😉

Was the item over $250?
 
Originally posted by: FelixDeKat
Originally posted by: Duddy
Originally posted by: FelixDeKat
Originally posted by: Duddy
So I got my first ever chargeback on Paypal.

Sold an iPhone to someone on eBay. They paid. I shipped.

Before the iPhone arrived to it's destination, I got notified that the credit card company issued a chargeback against me. The reason is "Unauthorized Payment".


So the first thing that comes to my mind right now, is that someones credit card was stolen and used to buy my iPhone.

So the question is, am I screwed?
Click to expand...

For your sake I hope you used a premiere and not a personal account.
Click to expand...

Yes I did. Does that help me?
Click to expand...

They're supposed to have a fraud protection team on your side if you do. 😉

Was the item over $250?
Click to expand...

Yeah, $472.46 to be exact. That's good news.
 
Originally posted by: Duddy
I got the email from Paypal, and quickly wrote a 3 page essay describing what happened and submitted it to the case.


If someones card DID get stolen, isn't it the credit card company's responsibility to "pick up the tab"? Especially if it wasn't reported lost/stolen by the card holder?
Click to expand...

CC company takes the money back from the merchant. In this case that's Paypal.
 
Originally posted by: mugs
Originally posted by: Duddy
I got the email from Paypal, and quickly wrote a 3 page essay describing what happened and submitted it to the case.


If someones card DID get stolen, isn't it the credit card company's responsibility to "pick up the tab"? Especially if it wasn't reported lost/stolen by the card holder?
Click to expand...

CC company takes the money back from the merchant. In this case that's Paypal.
Click to expand...

This happened.

I was fully covered by Seller Protection. Gave PayPal all documents they needed.

They said I never attempted to contact them, then they reversed the payment.

Now I'm -$300 on my PayPal account. I'm going to call them after work.. and cuss someone the fuck out.

Now I'm out $400 AND an iPhone.
 
Originally posted by: randay
yeah, paypal it great like that. its a total scam, but what are you gonna do.
Click to expand...

Harass the company and it's employees over the phone and email.
 
Originally posted by: Marlin1975
I did not think paypal allowed USPS for protection since it does not have a "real" tracking number.
Click to expand...

Since the chargeback was reason "Unauthorized Payment", I only had to provide proof of shipment. I did not need an approved tracking number or delivery confirmation.
 
Originally posted by: Duddy
Originally posted by: Marlin1975
I did not think paypal allowed USPS for protection since it does not have a "real" tracking number.
Click to expand...

Since the chargeback was reason "Unauthorized Payment", I only had to provide proof of shipment. I did not need an approved tracking number or delivery confirmation.
Click to expand...

Yea I don;t keep up with it as I don;t sell on eBay anymore cause of this mess.

Craigslist works fine for me and I get cash as soon as I hand over what I sell.

Good luck.
 
OP you are screwed. Your account will probably be temporarily suspended pending an investigation. Thats what happend to me when I Sold my PSP. I took a bit of money out of my paypal to buy something and now I am in the negatives but screw paypal I am not paying them. They paid I shipped. the address on the account was the same to were I was shipping it.
 
Originally posted by: thescreensavers
OP you are screwed. Your account will probably be temporarily suspended pending an investigation. Thats what happend to me when I Sold my PSP. I took a bit of money out of my paypal to buy something and now I am in the negatives but screw paypal I am not paying them. They paid I shipped. the address on the account was the same to were I was shipping it.
Click to expand...

Yeah, I'm getting that sore feeling in my ass already.

 
Originally posted by: Duddy
Originally posted by: Marlin1975
I did not think paypal allowed USPS for protection since it does not have a "real" tracking number.
Click to expand...

Since the chargeback was reason "Unauthorized Payment", I only had to provide proof of shipment. I did not need an approved tracking number or delivery confirmation.
Click to expand...

11.5 What is ?Proof of Shipment??

Online or physical documentation from a shipping company that includes all of the following:

The date the item is shipped.
The recipient?s address, showing at least the city/state or zip code (or international equivalent).
11.6 What is ?Proof of Delivery??
Online documentation from a shipping company that includes all of the following:

The date the item is delivered.
The recipient?s address, showing at least the city/state or zip code (or international equivalent).
Signature Confirmation for payments of $ 250 USD or more (see Foreign Currency Equivalents below).
11.7 What is ?Signature Confirmation??

Online documentation that can be viewed at the shipping company?s website and indicates that the item was signed for on delivery.


Hope you didn't just get delivery confirmation!
 
Originally posted by: Duddy
Originally posted by: mugs
Who did you use to ship it? If it's UPS or FedEx I think you can call and change the delivery address. Have it shipped back to yourself.
Click to expand...

USPS. Dammit.
Click to expand...

Sorry but that might have caused you $700. Never, ever use USPS to ship goods. They are the WORSE for businesses.

If the payment was under seller protection, there's a good chance you will get your money back.

If it isn't, you have just about zero chance of winning.
 
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