The MLP Arena
TCB => Trader & Shipping Support => Topic started by: ponylady on February 18, 2012, 08:46:16 AM
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So I get my emails this morning and I have an email from Paypal, a real one.
I have a chargeback from a transaction back on November 11th. They are claiming the card was used without permission. I am furious! I checked my records and they have bought from me four other times since June 2010. And the funny thing is I had previously blocked them and they opened another account and started buying under it. I gave them the benefit of the doubt because they quit jerking me around, until now.
Oh, they did leave me feedback for the items. Hmmm...used without permission huh? I am sure they did not think about it but Paypal will look into that as proof they purchased the items.
Anyways I have been in touch with ebay and opened an investigation against them for multiple ID's. Yes, you can do that if their is suspicious activity and can prove that they opened a new account to buy from you after you have already blocked them. I have to call Paypal Monday because they are closed till then.
The ID is mlploveruk I would use extreme caution.
What concerns me is that emery just posted a similiar situation with a different buyer :cry: Is this going to be a growing trend that they wait months to file, thinking you do not have the information still on file to fight the case?
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Thanks, I have blocked them. Just a note though, the name is in all lowercase as it said invalid ID when I copied and pasted from your message. So it's "mlploveruk".
What was her other ID that you blocked previously? Or is that account inactive now?
If this is the new trend that just makes me not want to sell on eBay even more.... *sigh*
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that is crazy! it seems people always find a new way to rip a person off!
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I'm going to point Lancer in this direction; she put a post on Facebook earlier today describing the same problem from an item purchased by a pony collector in october...
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Yes, Em your right it is lower case. I have changed it :blush:
The other ID has been NARU for some time now. And now that I think about it there was actually an ID before that too that I blocked. But I have looked through my list and I can not remember which one it was now.
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I don't know about this situation, because at this point we can't know whether they're trying to scam you by charging back a legitimate payment, or whether they have actually scammed somebody else by using stolen card details.
What I would say though, as it takes the banks a long time to process charge backs to us at work - a couple of months whilst an investigation happens I think.
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I don't know about this situation, because at this point we can't know whether they're trying to scam you by charging back a legitimate payment, or whether they have actually scammed somebody else by using stolen card details.
What I would say though, as it takes the banks a long time to process charge backs to us at work - a couple of months whilst an investigation happens I think.
Daffy, there was feedback already left for the transaction. And there has been problems in the past. :(
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Thank you for pointing me over here, Aret!
Yes, it is the same buyer I've had problems with. Her name's Mandie1986 over on the UK Ponycon forum but I'm not sure if she has an account here or not. She's just had a baby so it's possible they're short of money? I'd like to think it's just a problem with her credit card, but I'm not sure if it's even possible for Paypal to do chargebacks without somebody specifally going through and opening disputes?
Anyways, I sold her five items back in October worth about £16 with postage, she left positive feedback and now I find the chargeback message in my e-mails. Rubymew has also received a chargeback from her today. She doesn't post here much anymore, I don't think, but I've linked her to this thread from Facebook.
I've never had this problem before, and I'm not sure what I have to do to proceed - what information I have to give to Paypal etc. Can anybody advise? My parcel was shipped via ordinary second class mail so I obviously don't have tracking info. I do still have my receipt, and since she left positive feedback clearly stating she received the items, they can't really have a case against me, right?
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Thanks for posting Lancer. Oh my! that is the User ID I could not remember that I had originally blocked years ago.
:hug: for that because it was driving me nuts!
I provided Paypal my customs number to prove it was shipped, actually it was already in the system because I print my labels through ebay. I then called ebay and they advised to to call Paypal first thing Monday morning. They said to make sure I tell them she has purchased from me in the past and that positive feedback was left for the transaction in question. I would advise you to do the same.
Also when I reviewed my case it said the buyer opened the case because the card was used without authorization. So they did in fact open the case. Really it took 3 months, 4 in your case to decide someone stole your card and Paypal allows this :argh:
Now the waiting game.........................
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Thanks for the heads up!
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I had a very similar situation a few months back as well. It's awful, but don't stress too much because this is one of the few times when the sellers are protected!
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Also when I reviewed my case it said the buyer opened the case because the card was used without authorization. So they did in fact open the case. Really it took 3 months, 4 in your case to decide someone stole your card and Paypal allows this :argh:
That's what I thought. I guess I was just trying to give her the benefit of the doubt.
Also, the person who stole her card very politely decided to leave positive feedback for each and every item they bought in her name? Wow, how thoughtful of them! :P
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Also when I reviewed my case it said the buyer opened the case because the card was used without authorization. So they did in fact open the case. Really it took 3 months, 4 in your case to decide someone stole your card and Paypal allows this :argh:
That's what I thought. I guess I was just trying to give her the benefit of the doubt.
Also, the person who stole her card very politely decided to leave positive feedback for each and every item they bought in her name? Wow, how thoughtful of them! :P
Too funny! Itleast I got a chuckle out of all this mess.
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I'm so sorry you're going through this! So far, I've been spared, but I know it's coming!
I can't believe people think they can get away with stuff like this, it really irks me.
I'm pretty sure paypal will decide in your fave since she's waited to long and left positive feedback. I know for a fact that it's against Ebay TOS to open a new id if your previous id has been suspended or to open another account after you've been blocked from bidding. It's somewhere in their Tos under malicious bidding I think, but I'm too lazy to look it up XD
Keep us posted!
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:crazy: what a pain! I am blocking her right away too! I'm so sorry you are having to deal with this :( . Its ridiculous that she can do this after all that time :throw: :mad: I hope that Paypal side with you- they should given the history of this person, and the fact that they left positive feedback for the items
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Well, I've responded and sent copies of my post office receipt and positive feedback she left for me. Now I guess we just have to see what happens...
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Wow...this is a new one! Sorry you guys are suffering this.
Surely paypal will take into key consideration that she has left you all feedback to confirm the items were received and clearly the payment was made legally.
A credit card company will not do this automatically unless there is a blatant fraud [i.e. they have reported the card stolen prior to the period of the charges] it has to be on the authorisation/request of the card holder....however thats not to say that the credit/debit card which has been used isnt a joint account or have a secondary card holder and perhaps one of them made the purchase and the other has made the claim? I know that sounds a desperate way to excuse someone...but if its not a simple mistake its a pretty nasty new pattern...it means as a seller we will NEVER be safe, even after a paypal deadline is passed a buyer can wrongly ask for their money back months and months later!
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Hello, Lancer pointed me here, I'll add my two pence also. I am in exactly the same situation as others, this person bought 8 items from me in November totalling £32. I sent my items via Recorded Delivery (trying to find my receipt right now), and left me 8 positive feedback. Additionally they purchased from me before, but no problems.
I will be replying to the case with screenshots/scans when I've put it all together, as Lancer has. Thanks for sharing information here. I hope that there is a positive outcome to this! x
Edit - Found the tracking receipt, I looked it up online and shows a digital
Signature and printed name with the same surname as the buyer. So they can't claim they didn't receive the item or didn't know anything about it ALL this time. I'll screenshot this also. Is there an email address to send this stuff to? Sorry, I'm not 100% on the process.
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Thanks Ruby for posting. :hug:
I pretty much think the ball is in our court though. Ebay assured me that Paypal will contact their Trust and Support team so they will investigate that the feedback was indeed left and it was not a mistake. I am sure they will also look into that other purchases where made from us in the past. And it was not unauthorized like they claim.
It's just frustrating! :pullhair:
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I can't wait to hear the outcome of this. I mean - we *know* this woman. She's been at Jem's meets n stuff. Not a faceless name somewhere out in cyberspace.
I was also under the impression she was in hospital due to complications with the birth, but that's probably a week ago.
I would really like to think the problem lies elsewhere; like she has had identity theft or fraudulent transactions and now *all* activity within a certain time frame is being questioned. What an absolute headache for everyone involved :(
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I can't wait to hear the outcome of this. I mean - we *know* this woman. She's been at Jem's meets n stuff. Not a faceless name somewhere out in cyberspace.
I was also under the impression she was in hospital due to complications with the birth, but that's probably a week ago.
I would really like to think the problem lies elsewhere; like she has had identity theft or fraudulent transactions and now *all* activity within a certain time frame is being questioned. What an absolute headache for everyone involved :(
Yeah, she's home and back online - I saw she made a few posts on the Ponycon forum. Has anyone directed her over here? Maybe there's a perfectly good explanation for this...
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Is this going to be a growing trend that they wait months to file, thinking you do not have the information still on file to fight the case?
This was a huge problem with transactions on Pony Island the whole time I was a moderator. The most common scenario is that a minor will use a parent's credit card to open a Paypal account, spend money and act like everything is fine, leave feedback, get feedback, etc. Then the parent will eventually see the credit card statement and report the charges as unauthorized, having no idea that their kid is running around spending the money. Or another twist on that situation is someone pretending that's what happened to weasel out of the charges, because Paypal and credit card companies almost always accept that the charges were not authorized initially, at least until the seller opens a dispute. And even then, sometimes the money won't be sent back to you because minors cannot technically make binding financial agreements. So if they try to make that claim, be sure you forward to Paypal any evidence that you can that you were dealing with an adult (which shouldn't be hard, considering people have met her in person). Also it sounds like you have plenty of proof that this person purposely violated the TOS of Paypal to deal with you after being blocked, so that will help you a lot regardless of this person's age. Hopefully this was all a misunderstanding!
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The buyer just replied to a message I sent on eBay, she says she did not request a chargeback and will look into it. Anyone else heard anything?
Can the buyer not cancel the chargeback using paypal? Maybe the buyer is a victim of fraud :/ whatever the case I hope everything works out & nobody is out of pocket.
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I was looking at my chargeback dispute today getting ready to call Paypal and I noticed this line:
Chargeback Reason Code: 83
So I went looking and found this:
VISA CHARGEBACK REASON CODE 83
Description
Fraudulent Transaction – Card Absent Environment
A transaction was processed in a card-absent environment without the cardholder’s permission or with a fictitious account number.
Also may be used on an e-commerce transaction in which the issuer responded to an authentication request with the CAVV but the acquirer did not provide value in the authorization request.
So does this mean my buyer used/stole someone else's credit card to make the purchase? When I contacted her she indicated that "she didn't know what was going on with her credit card" which I took to mean that she didn't open the dispute herself.
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Oh....When you make a purchase with Visa or Mastercard you get an extra security page..."verified by Visa" where you have to put in extra security codes/password...some websites let you skip this page and still process the transaction [I dont think they should but I have had it happen once in the past myself]...could that be what it means when it says "he acquirer did not provide value in the authorization request"?
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Well I talked to Paypal this morning and they are working on it. I am pretty sure it is being investigated throughly considering that itleast 3 of us that we know of have all the proof they need to prove they made these charges.
I also emailed her from ebay but I did not hear back. I was going to give the benefit of the doubt but it pretty much shows and was confirmed by Paypal that the card holder opened the dispute.
I just have to wait now to have my funds released back to me.
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Any more word on this? I haven't tried contacting her directly yet, but my funds are still being held... :(
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Seriously if someone steals a credit card and buys a bunch of stuff how is that the sellers fault? Either paypal is to blame for not checking things properly and they should foot the bill, or the credit cards insurance should cover it.
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Update:
My funds where released back to me today but only after a phone call.
I urge all parties involved to contact Paypal immediatly. I am pretty sure with the evidence already provided it is in our favor but it is going to take that phone call for them to release our funds back to us.
Good Luck and I hope it all works out for you!
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Sorry to bump an old thread, but I have a question relating to this topic!
I wrote to the buyer the weekend before last but she never bothered to respond, but I got an e-mail from Paypal today with the following message:
"Chargeback Covered by PayPal: (Case number)
As you know, we were recently notified that one of your buyers filed a chargeback with their card issuer. One of the unique benefits of using PayPal is that we help you fight unwarranted chargebacks and attempt to recover your funds. Usually the funds associated with a chargeback are temporarily held until the card issuer makes its decision. Because you followed the guidelines of the Seller Protection Policy,though, PayPal will cover the amount of the chargeback."
Well, my funds were released so that's all good. However, I went into the resolution centre and checked the details for the closed case and there's this note:
"This matter has been resolved and no funds were debited from your account for this chargeback. We were charged a fee for processing this chargeback and have debited your account a Chargeback Settlement Fee."
There's nothing in my recent activity about this (not even a "transaction" saying that they released my funds back to me), and I'm not sure of the exact amount that was in my Paypal account before this morning. So have they really charged ME a fee because someone decided to open a chargeback against me? Surely that should be the responsibility of the buyer who opened a case against me, not the honest seller who has won the case? Just wondering if everyone else has got their money back now and if you were charged a fee/how much this fee was?
Yes, I know I should keep better tabs on the exact amount in my Paypal account (and I will be doing so from now on!), but that doesn't help me this time around. :blush: Thanks, guys!
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I've also directed her to this thread and I know she's been online.
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I've just had a look through Paypal's FAQ section and it seems the fee to the seller for a chargeback is £14.00/$20.00?
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The items I sold were only worth £14.85 so if they really have taken that amount, I've practically lost ALL my money for this transaction!
The line, "The fee does not apply if the transaction is covered by Paypal's Seller Protection Programme" gives me hope, especially as they did mention that in their e-mail to me. But that still leaves the bit on the actual dispute that says they debited my account. I hate using the phone, but I guess I'll HAVE to call them just to find out whether they've taken the fee or not. Then I'll lose even more money on the phone bill! This whole thing is so frustrating and unnecessary. >.<
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Well if they have taken it then I would contact Mandie and ask her to reimburse you.
I'm really surprised that more hasn't been done about this. It's not my battle but if a known collector was doing this to me it would be all over the boards.
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I am not sure what else there is to do Sebby? Maybe if I add her name to the Subject of this thread it may get more attention. But I contacted her through email when it was opened and got no response :huh: I have repeatedly blocked her on ebay over the years so this is not the first time there has been trouble. It's just this time she/he tried to commit credit card fraud and steal my money and items.
I am not a member of any other boards that she may frequent. And I am sure she is not going to come on here and respond.
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I know you don't ponylady, but there is a certain UK board where members are currently gushing over baby pics and the like.
I've been very tempted to say something over there, but stuff like that should really come from the people who've been screwed over by her.
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*sigh* it makes me sad but please don't get yourself into any trouble. I appreciate your concern and it means alot :hug:
Perhaps if Lancer or rubymew are members over there they could post a thread. I do believe it should be brought to the attention of other members. Like I said it's not the first time and I am sure it will not be the last. :huh:
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I know you don't ponylady, but there is a certain UK board where members are currently gushing over baby pics and the like.
I've been very tempted to say something over there, but stuff like that should really come from the people who've been screwed over by her.
So the person who has been doing this to members and costing people like Lancer all their original sales price, is still an active collector? Gosh....I for one would like to know their ID so I can both block them as a bidder and know to be dubious over dealing with them...this is terrible that not only did you have to fight for the money but that you are now paying out for having to fight for it in the first place!
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Maybe you could create a login over there and post something linking back to this thread, Ponylady? Then it comes from you and gets attention maybe.
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So the person who has been doing this to members and costing people like Lancer all their original sales price, is still an active collector? Gosh....I for one would like to know their ID so I can both block them as a bidder and know to be dubious over dealing with them...this is terrible that not only did you have to fight for the money but that you are now paying out for having to fight for it in the first place!
It's Mandie1986 over on the UK Ponycon board. I'm not sure if she has an account here or not.
I have been debating writing something on the Ponycon forum, Sebby. But as I'm not a regular poster and she seems to be such a popular member of the community, I fear I might get shouted down or something! I do feel she should have come here and explained herself though, and that other people should be warned about dealing with her in future.
I wish I knew for sure either way about the £14 fee thing...I've e-mailed Paypal but they haven't responded yet, of course. I'll keep you updated if and when they do. :)
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Well, good news on my end. I e-mailed Paypal via the address they gave in the chargeback case details and they say there was no chargeback settlement fee for my particular case as I followed all the seller protection policy guidelines.
I would recommend Ponylady and Rubymew (and anyone else who might have been involved in this but only lurking) do the same though. It seems Paypal like to sneak this £14 fee through the back door if people do just one little thing wrong in the process of disputing the claim, and surely it's not our responsibility to pay it if the buyer is at fault...
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i have been watching this thread :(
i am really sorry to hear what has been going on, i can't imagine what a shock it must have been and how angry it has made you, i know i would be upset too.
lancer please don't ever feel that you are not welcome :hug:
oh lancer :hug: i am so sorry that you feel you would get shouted at, at the ponycon forum for making a post about this especially since this is something that is not your fault, is important and needs to be resolved :( whether it involved a popular member or not
i see no harm in you making a thread requesting that mandie need to get in touch with you. almost all the ponycon forum members are also members of the arena too and may well have seen this thread.
i am disapointed that mandie has not been in touch with any of you at all despite you having all tried to get in touch with her. i know she has a new baby, but she has been online and should have seen your messages.
ponylady there is always the chance that even if you create a account at the ponycon forum and make a post/send a meesage she may well still not respond. while mandie may have been around for a little while, but she is not always regular with her online habits of checking the fourms or posting.
i agree with sebby that it is best coming from those who have been affected :bigups: this is why i have been relucatant to post.
love pkw xxx
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Thanks for posting PKW :hug: I also think that it would be best for one of you that has been affected by all this should make a thread over at the ponycon forum TBH. Other members there need to be aware of the situation whether mandie responds or not (although I hope that she does respond!)
I'm glad you didnt get charged that fee Lancer :hug:
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Thanks pkw :hug:
I have changed the title of the thread and posted her name to it.
I still feel funny about signing up for the ponycon forum just to post this. I know for the good of the community I should as people should be aware to proceed with extreme caution.
*sigh*I will have to think about it.
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My goodness! I'm so sorry about all of this trouble guys! Its such a mess. I'm glad that you all are being able to get the money still though.
I was wondering about the feedback thing...my guess as to why she would leave positive feedback is to get sellers to leave her positive feedback and to boost her own profile. Then, sellers won't know that she's had problems in the past, and then this scam gets pulled again and most sellers wouldn't see it coming till it's too late. Sadly, if she's pulled it with three of our members here, think of how many other sellers she's done this too - and honestly she must be getting something back or you'd think she'd stop doing it.
I did try to block her, but it seems that her account is no longer active. :( I wanted to have it in my account just to be safe...
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Just to echo what PKW has said, Mandie is a regular forum member over at the Ponycon forum, so if you do have any problems with her, that might be the best place to get in touch :) Don't for one moment think that any of the mods there are going to shout at people trying to get in contact with someone when it is a situation like this. Of course if you do come over and post about it, please do it in a polite way :) While we don't mind you guys coming over to try and get this sorted out, we don't want a flamewar starting lol :)
Hope you guys get it all sorted out ^_^
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I personally don't see how someones popularity could make them somehow exempt from facing things. By the sounds of it she has been messaged numerous times but has ignored them and needs to come and explain what's happened here. Even just to explain if it's a mistake.
I agree with sebby, if this happened to me I would make it public on every single board until I got a resolution.
I can't believe this isn't public on the ponycon forum too, after all most ukers that are on there are on here too. This person needs to sort this out or at least acknowledge the messages and come and explain why the chargeback has happened. This is an issue for the pony community as a whole because there may be others who are too afraid to come forward because the seller is popular. :/
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Okay, I will post a polite thread on the Ponycon forum directing people to this thread.
It wasn't that I felt unwelcome, it's just that I never seem to have the time to post over there these days and it seemed a bit pushy for someone who's not a regular poster to charge in and say "here's a link to a thread regarding a problem with a regular member!" I'm not out to cause trouble, especially as we all seem to have got our money back and presumably weren't charged fees (based on my own case). But the rest of the pony community should still be wary until Mandie gives a valid explanation of why it happened...
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:) thank you for posting lancer, i really hope it helps to get the issues resolved.
i am glad to hear that you have not held back from posting as you don't feel welcome. i understand time can be short sometimes and we don't always have the time to post and read all the forums, i know i don't! i also understand you reason for not posting, i would feel the same as well.
love pkw xxx
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You can't tiptoe around something like this. It needed to be posted and I really hope she responds.