The MLP Arena
TCB => Trader & Shipping Support => Topic started by: Shenanigans on July 09, 2012, 08:37:19 PM
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I was selling some non pony stuff on ebay in June. A guy sent me a message and asks if he wins my items if he can pay on July 3rd (the auction ended June 20th) I said that was fine since he had 100% positive feedback. He paid with an e-check on July 3rd and it said "pending until July 9th" on my Paypal account. So I checked back today and now it says "pending until July 20th". Whhhhattt? E-checks aren't supposed to take that long, are they? It says it takes 3-5 days for it to clear so I don't understand this. I've never dealt with an e-check before, can someone please explain this? This is taking long than a paper check! And the amount owed is almost $90 so I was kinda needing it today :(
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No idea, but sometimes a phone call to PayPal can get them to release money sooner if the holdup is on their end. If its from his bank he may have not had enough to cover it and it's taking longer to retry to charge?
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I am pretty sure with an e-check PayPal sends the request to his bank immediately. It can then take up to 4 business days for the electronic funds transfer to be completed thus giving you the pending till July 9th date.
But if his bank initially declines the electronic funds transfer, the payment may be delayed for up to an additional 7 business days or more. So it sounds like his bank declined it and Paypal is sending it back through.
Hopefully it will go through for you! Also maybe you could email your buyer and ask what happened, as you were needing the money. Plus you already agreed to give him extra time on payment and now you are having to wait even longer :(
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But if his bank initially declines the electronic funds transfer, the payment may be delayed for up to an additional 7 business days or more. So it sounds like his bank declined it and Paypal is sending it back through.
Yes this is what I would suspect is going on. If the date changes again, it's because they've tried to extract the funds from the account a second time and the account just doesn't have enough money to cover it. Paypal will keep trying, but if the buyer doesn't deposit funds into the account then it's kind of a lost cause. You may want to contact eBay to see if there's any way they can help you, but ultimately the buyer is the only person who can fix the bank issue by putting some money in his account.
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Woah, this guy sounds like a pain. I don't know what the deal is either but hopefully you get it sorted out.
I agree that it sounds like paypal tried to take the money out and failed and is now trying again.
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Thanks guys, that's what I was thinking too. I got an email from Paypal saying "an e-check payment was declined by the sender's bank." I sent him a message and he said he didn't know why that happened because he has money in his account. I've been having so many bad experiences with ebay buyers lately that I just don't know if I believe him :/
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What a pain! if there was money in his account then why would the bank decline the payment?.. :huh: he may be telling the truth, but I know what you mean about being unsure whether to believe him - especially with the dodgy buyers on ebay lately :yikes: Asking him to contact his bank and find out whats going on, and then contacting ebay about the situation is prolly the best way to go. You dont want this person to mess you about any longer if he is not genuine :awake:
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It's really frustrating. Ebay used to be so fun... not so much anymore :( I'm still waiting on his reply, hopefully everything turns out ok :yikes:
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Well, I finally heard back from him. He told me he had the money in his account, but the bank says he's $400 overdrawn and froze his account. He said he's getting a new bank account with a different bank and he gets his social security check on August 3rd and asked if he can mail me a money order.
Ugh! Somehow I just don't believe him. I don't think the bank would tell him he's $400 overdrawn for no reason. It'll be almost a month and a half since the auction ended. If he doesn't go through with it on the 3rd then I'm relisting. I think I've been patient long enough :(
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Honestly, I wouldn't even wait till then. It has been long and drawn out already.
I also would not except the Money Order by any means. If for some crazy reason (which wouldn't surprise me) this guy can file a claim against you for item not received and you will not be covered by Ebay.
I would file an unpaid item dispute so that you get your fees back and be done with it. I think this guy is stringing you along and it may end in disaster. In which I mean you could be out the item and your money in the end.
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I also would not except the Money Order by any means. If for some crazy reason (which wouldn't surprise me) this guy can file a claim against you for item not received and you will not be covered by Ebay.
Agreed with this, also it's very easy to fake a money order, and if you try to cash a fake you could end up with your own bank account frozen :/ I learned this one the hard way!
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I wouldnt risk the money order, there is too much potential for problems, plus you've been waiting for long enough :yikes: . I would open a NPB case on ebay as the others suggested ;)
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Agreed with this, also it's very easy to fake a money order, and if you try to cash a fake you could end up with your own bank account frozen :/ I learned this one the hard way!
Really? I never knew those could be faked. I thought those were a secure way of getting money. Dang.
I have taken a few money orders on Ebay (never ever accept a check...never!) with no problems. However, this guy sounds like a time waster. There are a lot of them.
If you feel like it, do some snooping. Look at his feedback and feedback left. Look at his bidding history. See if he sells or paid for anything as of late. See if he has bid retractions. You can get an idea on his personality, reliability AND how much he's spent lately by doing these things.
Or just cancel and move on. You are certainly within your right.
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I'm with the group that's telling you to get out while you can. I don't know if you'll have to get Ebay involved (probably), but at this point, he's not worth the hassle.
And no, you just don't NOT know you're $400 in the hole. Good for the bank for freezing his account - he obviously has no idea how to keep track of his expenses. The fact that he's waiting for his social security check means that he's on a limited income, and more than likely his funds will be eaten up by that $400 black hole in his account. There is no way the bank will just let him close his account and let him get away with their money.
RUN!!!! (and provide his ebay name while you're at it!)
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I'm with the group that's telling you to get out while you can. I don't know if you'll have to get Ebay involved (probably), but at this point, he's not worth the hassle.
And no, you just don't NOT know you're $400 in the hole. Good for the bank for freezing his account - he obviously has no idea how to keep track of his expenses. The fact that he's waiting for his social security check means that he's on a limited income, and more than likely his funds will be eaten up by that $400 black hole in his account. There is no way the bank will just let him close his account and let him get away with their money.
RUN!!!! (and provide his ebay name while you're at it!)
THIS! Good luck! :)
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Please let us know who this person is so others can avoid them too!
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I didn't know they could be faked, yikes! Ok, this is what I told him:
Hi, I was looking at ebay policies and it says that money orders are restricted. So I cannot accept a money order. I was a bit wary when you said the bank froze your account and I am not certain that I will get payment from you. I have heard money orders can be faked as well so I'm no longer comfortable taking one. The auctions ended June 20th and I think I've been more than patient awaiting payment. As I stated, I really need the money now. I'm not trying to be harsh or accusing, I'm just cautious. I will be relisting them. Very sorry, but our origianl agreement was for the items to be paid for on July 3rd.
His ebay name is bahamutsminisandmore. He has all positive feedback, but there is one from a seller that said, "Did not Pay for item past 3 days out bid another bidder that wanted the item." and it was marked as a positive feedback so I don't really understand that :huh: Thanks for the advice, I'll let you know what he says!
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I think your email sounded perfect.
The reason that Did Not Pay showed under a positive is because sellers can no longer leave buyers negative feedback. They call it a false positive and it really is the only way a seller can warn other sellers. The thing is ebay does not really allow it and he can report it and have it removed. :huh:
I strongly suggest to you that you open up a NPB case or otherwise you will not get your Final Value Fee's back that ebay has already charged you for selling the item.
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I wonder why ebay no longer allows negative feedback for non payments. I think sellers have a right to leave it if the buyers don't pay! I will open up a NPB case. I hope he agrees to it. If I'm correct, ebay will not credit your account if the buyer doesn't agree to cancel the transaction, right?
Post Merge: July 27, 2012, 03:55:56 AM
Arg! I can't open up a case because it's been over 32 days! Looks like I'm out of my final value fees :(
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Need advice!!
I told the buyer I won't accept the money order and I relisted the items about 4 days ago. He finally replied and said:
"ok... I was unaware of the banning of the money orders... how will we proceed then with the purchase? I have closed that bank account and I have the money order in hand."
What should I say and do?! I am so afraid of getting negative feedback! :yikes: The items are still up on ebay, but I don't know what to do about this guy!
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You already informed him you had cancelled the transaction and you would not and could not accept the money order. If he was foolish enough to buy it anyway to try and force you, that is his problem. If he does leave you negative you can appeal it and you will win because he is trying to force you to violate ebay policy. In addition he violated your rules if the listing by stringing you along. I would say something like...
As I have already explained, ebay doe not permit money orders. They are not a secure method of payment. Because you did not pay in a timely manner and do not have an approved method of payment I have relisted the items. You should be able to take your money order and the original slip to the place you bought it and they will cash it and return your funds to you. Do not send it, as the items are no longer being held for you.
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Don't worry too much about the negative feedback - anyone can look at HIS feedback and do their own research. :)
*pony hugs* Best of luck with your sales. I would block his ID from bidding on your auction again, though!
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What is this guy not getting? :shakefist:
I would tell him that you are not going to proceed with the transaction and that is that. And that you have already relisted the items. It's not your fault he got a money order when you already told him you were not going to accept one.
I also am not sure that he can leave negative as he never made payment. And even if he does you can phone ebay and have it removed. I would also add his name to your block bidders list in case he goes and tries to purchase the relisted items.
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Thanks, that's what I'll tell him :) I blocked him when I put the items back up for auction because I was afraid he'd buy them (they are BIN) Hopefully he'll understand and I'll be done with this guy!
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You might want to set prefs on the bins that wont let people without feedback buy them or that you won't ship to his area or something. Just to keep him from creating a new account to try and buy them again. I hope it won't happen, but this guy is either a jerk or very thick so I wouldn't put it past him.
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Actually, if you accept a postal money order you can cash it when you go to ship the item- so no worries about fakes. Also, if the buyer does not pay with paypal, then CANNOT open any claims at all. So if you accepted a money order and never sent the item there is nothing the buyer could do about it. All the risk with money orders is for the buyer, not the seller. We sellers aren't allowed to ask buyers to pay this way, but if buyer ask us to accept them we can. I love buyers to pay by postal money order- no worries about any claims later, no paypal fees,cash it at the PO so no worries about counterfeits-they are much safer for the seller than paypal is.
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Agreed with this, also it's very easy to fake a money order, and if you try to cash a fake you could end up with your own bank account frozen :/ I learned this one the hard way!
Really? I never knew those could be faked. I thought those were a secure way of getting money. Dang.
I have taken a few money orders on Ebay (never ever accept a check...never!) with no problems. However, this guy sounds like a time waster. There are a lot of them.
If you feel like it, do some snooping. Look at his feedback and feedback left. Look at his bidding history. See if he sells or paid for anything as of late. See if he has bid retractions. You can get an idea on his personality, reliability AND how much he's spent lately by doing these things.
Or just cancel and move on. You are certainly within your right.
My sister's boyfriend sold a vintage Rolex watch 3 years ago on eBay, and the buyer wanted to pay with a money order. He agreed and received the money order in the mail a few days later. My sister and her bf went into the bank and gave the MO to the bank teller to deposit into their account. The MO cleared through a few days later. After it cleared, he sent the watch to the buyer. Three days after the MO cleared, the bank pulled the money ($4100) out of the bank account because apparently the MO was a fake. My sister's boyfriend actually sold the watch for his uncle and had already withdrawn the money and given it to him. So they were literally overdrawn by THOUSANDS of dollars, and there was literally nothing eBay or the bank could (or would) do to help them out.
My policy?? PayPal or nothing. Seriously, if this guy is overdrawn in his account by $400+, he has bigger issue to worry about than buying your item. I'd cancel the sale and relist the item. I am so very sorry this is happening to you, and I honestly hope that everything works out for you!!!
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Michelle, that's terrible!! What a terrible scammer!! I can't believe people would stoop so low :yikes: I'm definetely sticking to Paypal!! Even though you have to pay fees, it's better safe than sorry!
Thanks, everyone for your advice! I never heard back from the guy and relisted my two items and they both sold to two honest people who paid right away :) So glad I'm done with this! :faint:
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I'm so glad it worked out for you!