Can I win Chase charge back?

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5 posts
Lunarhb
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Can I win Chase charge back?

Postby Lunarhb » Sun May 04, 2014 12:01 pm

I made a purchase to a seller for a product I was supposed to receive for over $100 with my debit card through PayPal. He shipped the item, once I received it, it was significantly not as described. I paid for (2) sneakers but instead received a pair of slippers and textbooks. I tried to resolve the case with the seller but was unresponsive. I just opened a claim with Chase for not as described, am I likely to lose the charge back? They have temporarily credited me back.


travisrauh
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Postby travisrauh » Mon May 05, 2014 9:26 pm

Hi Lunarhb - while I'm not sure how Chase will handle your claim, don't forget that you do have the option to file a claim via the PayPal Resolution Centre. That would be another option.
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MemberSince99
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Postby MemberSince99 » Tue May 06, 2014 12:23 pm

Travis's suggestion is better for a couple of reasons. First, Paypal in cases like this almost always decides in favor of the buyer.


Second, if you do it via the credit card dispute, even if you win, Paypal will probably take action against you, including possibly sending the amount to collections and it going on your credit report. Let's not debate the issue of whether they SHOULD be allowed to do this - the fact is, they CAN do it.


So I would follow the suggestion of Travis and file a Paypal dispute.

takeshi
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Postby takeshi » Wed May 07, 2014 7:47 am

OP really should have used Paypal's dispute process and then fall back on Chase if needed. Paypal tends to side with the buyer.

Lunarhb
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Postby Lunarhb » Sat May 10, 2014 9:38 am

Obviously, I would if I could. I won the dispute in which I needed to ship back the item, but PayPal closed the dispute the next day I went to submit tracking because they claimed they needed more information on my account. So I charged back.



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