aggiebart
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posted on April 10, 2001 07:41:33 PM new
If you sell something and the buyer says they didn't get it or it
is not what they thought they bought they will take the $ back out of your
account. I know someone who lost $750!!!
Has this happened to anyone else?
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mikeselis
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posted on April 10, 2001 07:50:28 PM new
First off, call your credit card company and tell them you never received the item. When billpoint gets the chargeback they will investigate it by their fraud dept and reverse the billpoint transaction. If you pay with a credit card you make it much harder to get scammed because your credit card company will always dispute it for you assuming you don't abuse this right. Once or twice a year is probably the limit before their own fraud dept will come calling you.
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shaani
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posted on April 10, 2001 07:58:45 PM new
Anyone who uses Billpoint should take the time to read this:
https://www.billpoint.com/help/sellerguide/fraudtips.html
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reddeer
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posted on April 10, 2001 08:05:36 PM new
and this ......
http://www.auctionwatch.com/mesg/read.html?num=2&thread=298017
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taz8057
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posted on April 10, 2001 09:54:16 PM new
Wow,
Do you get to give evidence to billpoint (e.g. d/c or insurance)?
-Trey
***********************************
"If your mind can conceive it, and you believe it, then you probably can achieve it."
http://www.CondomDeals.com
***********************************
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kyms
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posted on April 11, 2001 05:54:53 AM new
Yes, Billpoint let us give our proof (if we have any..). I had Billopint take my money too, but I did not have proof of delivery even though I know it was recieved... If someone wants to screw us, they can..
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fdavidm
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posted on April 11, 2001 06:07:43 AM new
I stopped using BILLPOINT after they charged me $4.83 to deposit funds into my bank account. For days, I had no idea why I was charged this $4.83 and BILLPOINT absolutely refused to answer any of my emails! When I finally read the VERY FINE PRINT of their latest email, stating how they were reducing their fees to 1.75%, I also read that they were charging a deposit fee of 1/2 of 1%.
That infuriated me, and I no longer accept billpoint. How dare they try to pull something over on me!
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insightwatcher
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posted on April 11, 2001 06:22:30 AM new
Although this is a possibility with your own Merchant Account, the credit card company gives you endless time to make explanation. We have probably had 3 or 4 charge backs in 5 years, and the company gave us ample time, almost up to 6 months to prove our side.
We stopped using BillPoint because of the hassle of sending invoices, etc. We do use PayPal even though we also have our own Merchant Account because it is easy, clean, and there is a clear record for both buyer and seller to see.
We utilized Yahoo's PayDirect, and not only had problems with the system, constant, but when Yahoo went crazy and started canceling (not suspending like eBay) accounts because of undefinable TOS violations, the PayDirect accounts were automatically closed, we were unable to get to our funds, and any money not already accepted was returned automatically to the buyer because we couldn't access the account to accept it! It happen to a number of folks.
We basically won't deal with any company directly connected with an auction company which can do, as Yahoo did, and close or effect an account connected with their auction.
We have never had a problem with PayPal.
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Julesy
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posted on April 11, 2001 06:48:30 AM new
fdavidm --
Billpoint has been charging for their autosweep feature for months. This is not a new feature, and not something hidden from their customers. Quit blaming them because *you* were unable to comprehend one of the most basic features of their service.
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aggiebart
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posted on April 11, 2001 06:48:33 AM new
Thank you all for the interesting messages.
I have been on ebay for 3 years and I have
also never had a problem with Paypal.
I have sold 1000's of items. I will
not use Billpoint ever again. It seems
the seller has little rights if the
buyer knows what to say or do with Billpoint.
It will
not be long before you read about Billpoint
in the news giving eBay bad press.
If you face a charge back you can stop payment on the ACH withdrawl from your bank account if you know the amount they are trying to recover. You bank may charge you
$10 or so, but if you are staring fraud in the face why not?
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redskinfan
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posted on April 11, 2001 07:11:52 AM new
I'd never use billpoint. I do take paypal though, but most of my customers on ebay have either turned weird or paid with either m.o. or cash. Had a guy send $10 cash in the mail just yesterday. lol
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jrb3
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posted on April 11, 2001 07:15:31 AM new
If you ship a $750 item without insurance or proof of delivery you deserve to get screwed.
Can you say stupid.
This whole thread seems overly paranoid.
I've been using Billpoint since it was first started and never had a problem.
If you take proper precautions this will not be an issue
Joe B
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gs4
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posted on April 11, 2001 07:58:22 AM new
Billpoint did not screw you, your bidder did. You think paypal is better? If there is a dispute they will freeze your entire account. You folks have much to learn. Lots of luck.
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kyms
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posted on April 11, 2001 08:18:35 AM new
Billpoint froze my account for three days! That is not just a Paypal thing!
BP kept it shut until I threatened to stop accepting BP payments. (and they kept on taking my customers money, even when the account was frozen to me).
I am not saying it is only a BP problem, but they could treat us a bit more professionally. We do give them a big hunk of money each day...they couldn't treat us a bit better?
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amy
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posted on April 11, 2001 08:33:54 AM new
Kyms..how was billpoint frozen to you? There is no "account" per se with billpoint as all the money is quickly transferred to your bank account. Could you explain please?
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RM
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posted on April 11, 2001 08:35:13 AM new
We're talking banking here. ALL banks live by the universal law of common cents. YOUR money is perceived to be THEIR money. Very simple.
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lanefamily
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posted on April 11, 2001 08:41:55 AM new
I hope I never get one of these. I have never had one from either BP or PP. I am sure there are many of you that will disagree with me but I prefer Billpoint sinply for their customer service. I always get prompt answers to my e-mails. This last Sunday I even got a personal phone call from then to talk about a small problem I was having with Invoice requests from foreign customers. I was very happy, the problem was not resolved with the phone call but I did not care, they took the time to talk to me about it.
I had one time where I was frauded out of $40.00 with PP as a Buyer. I e-mailed and e-mailed, I called and finally brought it here and started posting it for everyone to see. Finally Damon helped me get an answer. That is not customer service.
I assume you run a risk with either but PP seems to be just a bit of a black sheep to me in the way they operate. I know they are the more popular service but man some of the posts I have read are just scary. I even quit putting it on my auctions and in my WBN I say I will take it only if I have to.
Jim
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pattaylor
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posted on April 11, 2001 08:42:44 AM new
jrb3,
The AuctionWatch Community Guidelines require that you observe the principles of basic etiquette. Your post violates those principles. Please review our CGs before you post again.
Thanks for your cooperation.
Pat
[email protected]
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kyms
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posted on April 11, 2001 09:23:03 AM new
They allowed instant payments to go through, told me that the money was there, and refused to send it to my bank until they took $60.00 from my bank account.
I told them to just take the money, but they waited and waited..finally I told them to cancel my BP account. The next morning my account was open to me again...about 5 days later things were normal again..
I would call this freezing ME out of my own account. They got to profit (slightly) from my money. I did get my funds about a week later, but it really messed me up, and they charged me $10.00 for it..
I still use BP, this was the only time I've had any problems at all. It was just a disgusting learning expeience for me. Sadly, all my customers will suffer for this in the future. I now require Delivery Confirmation on everything and I will not ship to an unconfirmed address again.
I liked being trusting, I enjoyed a relaxed business attitude...Never again.
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paypaldamon
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posted on April 11, 2001 02:21:27 PM new
Hi gs4,
"You think paypal is better? If there is a dispute they will freeze your entire account. You folks have much to learn. Lots of luck."
We do not freeze accounts over a single charge back issue. This information is incorrect and I would be more than willing to cover charge backs here for your benefit or you can review the thread on charge backs in the Partner Servies Forum.
Account restrictions are rare and they rarely, if at all, occur over one transaction.
Thank you.
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lanefamily
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posted on April 11, 2001 03:55:50 PM new
From the posts I read here it sounds like they happen for no reason at all and sometimes againsed accounts with no activity.
Most of them can not be argued based on the letter from PayPal.
gs4 has more proof than you based on the posts alone. All anyone has to do is read the Services area or the Fraud area about them.
Jim
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paypaldamon
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posted on April 11, 2001 04:01:01 PM new
Hi lanefamily,
Items to consider:
1. Board posters are relatively anonymous.
2. They may not release the details on why their account was restricted. Only one side of the story is released and I can't release account specifics(which I mentioned in my thread about what I do and certain barriers I face---this is why I stick to policy)
Charge backs are rare. Restricted accounts are rare, despite the commotion caused on the boards. I also posted the information on charge backs in the Partner Services forum to educate our users on what charge backs are, how they can be protected from them, and what we will do it a charge back is filed (pending reversal and requests for documentation).
Account restrictions are extremely rare.
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kdd
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posted on April 11, 2001 04:17:14 PM new
Yes it has happened to me. Not for that amount of money though!
I am the poster on the other Billpoint chargeback thread. After 9 months, Billpoint has given back my buyer her money, she gets to keep the doll and I got charged $10.
I am only out about $40, but it still bothers me that it's so easy for buyers to get their money back.
Sellers think that they are safe as long as they insure or get delivery confirmation as proof of shipping. That is NOT true. Billpoint did not dispute that I shipped my item to the buyer, they said that the cardholder didn't make the charges, someone else did.
Chargebacks can occur and there is nothing you can do about it.
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gravid
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posted on April 11, 2001 06:16:51 PM new
kdd - I don't understand. Who was the doll shipped to? Did the buyer claim that the address also was not hers as well as the authorization?
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kdd
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posted on April 11, 2001 06:30:13 PM new
gravid-
The doll was shipped to the buyer's address that she and Billpoint gave me. I even called her on the phone using the phone number Billpoint gave to me. She said she didn't know anything about a chargeback and that she received my doll and had no problems.
According to Billpoint in December, they could not contact her and would let me know when they did. Guess it took them another 4 months to contact her??
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gs4
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posted on April 11, 2001 07:24:51 PM new
KDD
Don't you just love the games people play? Sure she got her doll and your money. Yes its so easy for them to lie.
But the fault lies with outdated consumer laws and the banks. Till they move out of the dark ages into the 21st century there will be risk involved in taking cc on line.
In your case, the fault is not billpoint but a crooked bidder. Even if you use another service same old thing. No one can say that you will get 100 percent protection against unfair chargebacks.
Even if you have two bank accounts and think that you can just keep a small amount in one to save you from a chargeback, no way.
They will use any legal means to recover said funds. Good thing that most people are honest. So just ask yourself how much risk you are willing to take. Hope that you will have better luck from now on.
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