What happens when you lose a fight with Paypal / eBay or Amazon.

For just about anything you want to get off your chest about credit cards.
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catsartcox
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What happens when you lose a fight with Paypal / eBay or Amazon.

Postby catsartcox » Tue Jun 18, 2013 10:45 pm

I was reading a lot of other posts here about how people lost money on these sites cause of fraud or mistakes on USPS's part or something else when a online retailer is involved. I have been through 3 different situations were it cost me a lot of money but I ended up winning in the end because of my credit card company. I thought I would tell you all about each one. So if any of you have similar problems you can see that you are not screwed.
FYI of these were placed on a Visa Credit card. The first two Wells Fargo, the last Citi. I would imagine that AMEX and Discover would be even better then just a normal bank.

First one,
I was the seller. I sold a 270$ mother board on eBay a few years ago and shipped it USPS. The buyer did not buy insurance so I did not pay for it. In my eyes it was like buying a warranty or something, up to the buyer. While USPS had it, it was stolen out of the box. Evidently it arrived at the sellers house half-opended, yellowed and had two paperbacks taped to the side. Now I was not able to verify this with photos or anything, this is just what the buyer told me and Paypal. We jumped through all the hoops. And, of course though I was able to prove that I did everything right, by camera footage and weight statements, all from USPS. Paypal still forced a refund. USPS would not help at all because their insurance was not bought. All I was able to do was speak with a postmaster because we thought it was a theft. But nothing came of it. My Wells Fargo card was charged the full amount. Along with the fees for the transaction that same day. I decided to go down to the bank and I ended up speaking with a guy for a few hours. I gave him everything I had. He disputed both charges and I got a call a few days later from a supervisor in the dispute depament saying that Wells Fargo agrees with me and reversed everything. She even let me keep the rewards points for my trouble. Not much - but a nice jester. My Paypal and eBay ended up showing a negative balances. They started calling me about every day. But I showed them all of Wells Fargo's paperwork and they stopped. It has been almost two years and have not heard from them. Nothing on my credit-nothing anywhere. Problem solved.

2nd
I was a buyer.
I bought a jeep part on my GF's eBay expecting it to fit. When I got it, it turned out that it was just a little off. The holes were not drilled properly. Now I went through the normal hoops trying to get an exchange or something. The seller said no, because he had a no-refund policy. and eBay would not help because 'Technically' I had the right part so therefor nothing was wrong. I called wells fargo and the immediately credited me the 110 some-odd dollars. This was about a year ago and they never seemed to have asked eBay or the seller for the money and were never asked to return it, I still have it. I ended up re drilling the holes and ended the day fixing my car for free.

3rd one.
Now this one can be my fault. I was also the seller. This was on Amazon. I sold a 150 TiVo Steam and I decided to ship it in a flat rate envelope. It did fit, but I guess I was pushing it. While it was in USPS's hands it did break open and the Stream was lost. USPS ended up sending it right back to me - the buyer never saw the package. Amazon did make me refund the buyer. Seemed fair. I decided to call Citi after the charge posted. Cause I knew they had some lost item policy. I talked with them for awhile and he said normally it just coverers for when you buy something. But the guy said it was still worth a try. He filed a dispute and I got a instant credit. A few weeks later I got a letter in the mail saying 'Congratulations'. They accepted my dispute, I got my money back. They did not do a charge back ether. As my Amazon account is still OK. This was about four months ago.

I hope that my stories can bring some light to any of yours. It seems that credit card companies always rule in you favor. I guess they really do value their customers.
Wells Fargo w/ Points - 6.2k
Discover More - 10k
Citi Forward - 3.7k
Citi Thank You Preferred - 18.5k
AMEX Blue - 16.4k
AMEX PRG- NPSL
Barclay Juniper card/Apple - 9k
GE Capital Amazon Store Card 5k

score
722(7/13) 732(8/13) 734(9/13) 743(2/14) 763(07/14) 798(3/15) 749(4/16)


MemberSince99
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Postby MemberSince99 » Wed Jun 19, 2013 6:33 am

You really do push the envelope I would say. On the second one, I could see a discount, but getting it free? Man.

I'll relate a few of mine. One that I won (one of the very few to be honest) was a cell phone I bought off fleabay (bad idea) that was listed as "guaranteed to activate". I got it, went to activate it, and Verizon refused to activate it, implying it was stolen but not saying it, probably for legal reasons, and so it was worthless to me. So I filed the dispute, and that was won pretty easily I got my money back and he got his stolen? phone back.

One that I got royally screwed on was kind of interesting in retrospect. I played an online game, and I bought some characters and money for the game from a third party company on their online site, paying via Paypal. Days went by and I saw nothing in my account in the game, so I contacted them repeatedly and heard nothing. I finally got tired of this and contacted Paypal to initiate a dispute. THAT got their attention they pretty much IMMEDIATELY contacted me urging me to close the dispute, promising they would THEN give me what I paid for. I said just give me what I paid for and I'll end the dispute, that's all I'm asking. They refused, claiming it was their policy to not give anything to anyone who initiated a dispute. I was like that's not my problem, I bought these things you need to get them to me. So I escalated the dispute, knowing if I dropped it, I had no basis for anything and they could just keep my money if they so chose, and I didn't trust them at that point.
After I escalated some chick calls me up on the phone, repeatedly, to urge me to end it. I said all I want is what I paid for what is the problem here? I refused to end my rights, and so she told me right on the phone that not only were they not going to give me my stuff, they were also going to get me banned from the game to boot. I didn't believe they could but sure enough, they did both.
To make it better, Paypal decided they could keep my money because according to the terms of Paypal, "virtual goods" are not covered.
I realized at that point crime DOES pay if you do it right. While I was royally pissed at getting screwed so blatantly, I had to hand it to them they were smart crooks. I also realized if I was a crook myself there was a lot of money on the table ripping people who pay via Paypal off.
Soon after that I closed my Paypal account because I realized I'm not really protected and they are about as big of slimeballs as some of the crooks out there.
I had no credit cards then they took the money directly from my bank account for the purchases (Paypal did) and I already knew how great my bank was about handling disputes (basically screw you, better you take it in the shorts than us). I still remember this stuff, and to this day I will NEVER EVER do business with Paypal and this is why I am inclined to move my banking to Chase as I still have not forgotten how my bank hung me out to get screwed in the past. (There will be a certain amount of joy in closing the Elan cards and moving on from Associated I can tell you....usually I don't enjoy closing accounts but in this case I will a bit).

And as the seller, the crooked buyers on fleabay eat you alive. They are all out to screw you, some just want a kickback, others want it free. I sold an item that was made of spalted wood, which as you may know is always different because it's spalted so the guy didn't like the color. He ended up getting it free, and I paid for the fleabay fees and to ship it to him so I paid for him to have it. What a deal for him and what a screwing for me. I realized then I'd be better off to donate stuff to charity or sell for cash on Craigslist because it was costing me money to "sell" items on fleabay.

There are a LOT of scumbag crooks out there, some stuff I just smash and throw in the trash anymore because I just get sick of dealing with greedy criminals who are just out to get something out of you for nothing. It's bad enough when all you get is a little money out of this, but when you are paying people to screw you something is REALLY wrong here.

catsartcox
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Posts: 113
Joined: Wed Jun 05, 2013 3:59 pm
Location: New Mexico

Postby catsartcox » Wed Jun 19, 2013 1:08 pm

Yeah, I ended up deleting my eBay and payola a few years ago because of all this. The only thing I bought since was that jeep part. And that was because it was the only place I could find it.

Sorry that they screwed you. It seems like it is a right of passage that everyone has to go through - be screwed on eBay. But I guess that why I posted this, because somehow I made it out alive and monetarily happy.
Wells Fargo w/ Points - 6.2k
Discover More - 10k
Citi Forward - 3.7k
Citi Thank You Preferred - 18.5k
AMEX Blue - 16.4k
AMEX PRG- NPSL
Barclay Juniper card/Apple - 9k
GE Capital Amazon Store Card 5k

score
722(7/13) 732(8/13) 734(9/13) 743(2/14) 763(07/14) 798(3/15) 749(4/16)



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