posted on January 13, 2001 12:34:15 PM
I'm sure a lot of people here have read some of the incredibly long thread about a computer company who allegedly ripped off hundreds of auction buyers.
I was one of them, except I ordered through email after their ebay account was cancelled, so I can't get ebay to insure me in any way.
So I just want to get a chargeback on a credit card, and was looking for advice from anyone who has done so in the past. I paid through paypal and the invoice they sent me had the description of the PC on it, yet I still have no PC (a month and a half later).
If I do a chargeback, paypal will be the one who the money will have to come back from, even though the computer company has the money.
How does this work? Any advice would be appreciated. Thanks.
posted on January 13, 2001 01:12:59 PM
Remember, if you do a chargeback, paypal will freeze, or cancel your account. SO, if you have money sitting there, be sure to get it out first)
You can do a chargeback IF the funds were paid from with your credit card, not your bank, or paypal balance.
You should not be worried about where the money comes from. Really, it is paypal's problem. If you win the chargeback, the money is credited to your card by your credit card company, not paypal. It will then be paypal's problem to get the money back from your seller, because your credit card company will reverse the transaction, plus a chargeback fee, out of paypal's bank account.
That is a risk of being a third party service. But, you'll no longer be able to use paypal, because they WILL freeze and/or cancel your account. Section II, part 3, number 4 of the TOS).
Contact your credit card company, and ask them what supporting evidence they want. When I have done one, I had to show the proof of purchase (the auction listing in my case), and all correspondence I had with the seller to try to resolve the situation. It was pretty straight-forward for me in the case of non-delivery, but I used Amazon Payments instead of Paypal. The entire cost of the goods (including postage) was re-credited to my account, leaving Amazon Payments to go look for the money.
The main thing, is to provide the credit card company with all the evidence they need to protect them against a RE-chargeback, if it is disputed.
)