The charge back scam

[cmccuist]

Originally Posted by wdfifteen

I’m sorry to hear that. Good luck with the police report, I hope it works out.

I wonder, if you told eBay to pound sand (you had the money in hand, right?) if they would come back to you to keep a customer or if they rely on people to think of their eBay account as something that is valuable?

We had a bad feeling about it when eBay said they would “try” to get the item back if the dispute didn’t go our way. We went to our bank and asked about blocking certain transactions that had to do with PayPal, eBay, or this buyer’s credit card. They said the only way was to close all of our accounts.

Plus, my wife does a lot of $20-$50 transactions for items that sell well on eBay, but not so quickly on other sites. She decided to just suck it up and call it a lesson learned. She’s already paid eBay back, so the only thing left is to get back the necklace.

We will try the letter from the lawyer and the police report. I wonder how many more people will get burned before eBay and PayPal put a stop to this. It may take a class action suit.

[RWebb]

you need a sep. acct. linked to PP and NOTHING else - should only keep the min. needed to buy item X in there

[Bill Douglas]

I still think it's a good idea to publish their address. Someone may wish to have a polite word with them.

[Pazuzu]

You guys are too gentle sometimes.
What, this thread is 6 hours old?

I've hung out on forums where 6 hours in, someone would have already taped a note to the front door of the scammer reminding them that no one is safe on the internet, and they better pay you back.

[javadog]

I had a guy in New Jersey try this crap on me once, it didn’t end well for him. Not only did I get my money back, PayPal refunded my money twice.

Win-win for me.

Pelican members are everywhere. I like the idea of paying a personal visit to these asswipes.

[wdfifteen]

Originally Posted by Porsche-O-Phile

You can’t transfer it to an account not linked to PayPal. It has to be linked I believe, unless there’s a way to just send it “anywhere” with say, a routing number. I’m not aware of that though - AFAIK PP makes you verify accounts to link them in order to enable transfers.

I had a savings account that was linked to Paypal at the same bank as my checking account. When I wanted to buy something with Paypal I would transfer the money from checking account to the savings account. (I usually kept $100 in the savings account to make small PP purchases easier, so the most they could steal was $100). When I sold something on Paypal I transferred the money from PP to the savings account, then to my checking account.

Things may have changed since I had much to do with PP/eBay. I don't know how Paypal can keep you from moving your own money within accounts at your own bank, but it wouldn't surprise me if the bastages figured out a way to do it.

[masraum]

Originally Posted by cmccuist

We had a bad feeling about it when eBay said they would “try” to get the item back if the dispute didn’t go our way. We went to our bank and asked about blocking certain transactions that had to do with PayPal, eBay, or this buyer’s credit card. They said the only way was to close all of our accounts.

Plus, my wife does a lot of $20-$50 transactions for items that sell well on eBay, but not so quickly on other sites. She decided to just suck it up and call it a lesson learned. She’s already paid eBay back, so the only thing left is to get back the necklace.

We will try the letter from the lawyer and the police report. I wonder how many more people will get burned before eBay and PayPal put a stop to this. It may take a class action suit.

My guess is that the scammer, if forced, will eventually return a different, much cheaper necklace, but good luck.

[cmccuist]

Originally Posted by masraum

My guess is that the scammer, if forced, will eventually return a different, much cheaper necklace, but good luck.

That was exactly what my wife said. She said even if they do return it, she would have to pay to have it appraised again. i'm pretty sure that the original necklace is long gone.

The thing i don't understand is originally, eBay said there was nothing they could do as the time limit has passed. Then, the crook got their credit card company to do the charge back, and eBay debited my wife's eBay account $2,500!

I thought eBay said they couldn't do anything! That's how they get you. The credit card company is third party from paypal and eBay. a-holes.

[cstreit]

Almost all payment systems favor the buyer in the case of disputes.

I had a situation where a buyer ordered something, admitted to receiving it, signed for it, and then told Amex “I don’t understand the charge” and they took the $5000 from us. Complete fraud. Amex did nothing.

Now any international purchase over $500 is automatically a wire transfer only.

[cmccuist]

Originally Posted by cstreit

Almost all payment systems favor the buyer in the case of disputes.

I had a situation where a buyer ordered something, admitted to receiving it, signed for it, and then told Amex “I don’t understand the charge” and they took the $5000 from us. Complete fraud. Amex did nothing.

Now any international purchase over $500 is automatically a wire transfer only.

$5,000!!!

That is horrifying! The credit card companies are enabling the crooks.

[javadog]

I wouldn’t let this go. If you fight long and hard enough, you can usually win. And also file a lawsuit against the *******, theft by instrumentation or somesuch.

Or find a local pelican and buy him a baseball bat.

[aigel]

I lost money to PP long time ago, they took money back that someone refunded me for a return. They claimed they were "unauthorized funds". Apparently that guy had gone belly up and to make up for their loss, they took all their refunds away from people that they could. PP is a criminal organization. This current Ebay scandal is not a surprise to me at all. I hope they all fail. I only deal with small sums now and sell a lot more local. Cash in hand transaction. I make less but the guy buying is happy and we have a handshake deal. Or elbow bump ...

G

[daepp]

Whatever you do, don't complain about ebay in the wrong places...

http://forums.pelicanparts.com/off-topic-discussions/1064720-ebay-execs-up-sh-creek.html

[svandamme]

but why would you let 2.5 grand sit on PayPal account that lo g after receiving payment??


I would wire it over to my real bank before I even ship it out.
till you do that.. its not real money!
Its like a check.. iy aint real till fully cashed..

[john70t]

There are fraudulent wire transfers as well, even in this day and age.
The bank finds out about it days later.
Guess who pays. (not the bank)

[svandamme]

ok but do know that the your paypal to your bank transfer is not fraudulent innit

[cstreit]

Originally Posted by svandamme

but why would you let 2.5 grand sit on PayPal account that lo g after receiving payment??

Doesn’t matter. They require a linked bank acct now. Not enough money in the account? They take it.

[svandamme]

lol.. they can try.. but i can block that request at my bank account...
Besides, they can't take what doesn't exist on the account anyway.

And my paypal still works with just a linked CCard. (where I can reverse the charges myself)